DSCR Loans in Grayson County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Grayson County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 132 lenders made 617 investment-property loans there, 1.2% of Texas's total; the most active are in the table below.
Grayson County investor market at a glance
| Statistic | Grayson County | Texas | County rank |
|---|---|---|---|
| Investor loans | 617 | 49,613 | 18th of 51 |
| Reporting lenders | 132 | 903 | 20th of 51 |
| Loan volume | $139.8M | $13.00B | 19th of 51 |
| Average loan | $227K | $262K | 29th of 51 |
| Median loan | $195K | $205K | 25th of 51 |
| Purchases | 60.5% | 61.7% | 31st of 51 |
| Cash-out refinances | 12.3% | 17.9% | 41st of 51 |
| 2–4 unit properties | 8.9% | 8.8% | 27th of 51 |
| Top five lenders' share | 35.8% | 18.3% | 17th of 51 |
| Reported business-purpose | 65.8% | 68.5% | 27th of 51 |
Grayson County: closed-end loans on 1–4 unit investment properties. Grayson County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Grayson County's investor loans.
What stands out in Grayson County
The five most active lenders wrote 35.8% of Grayson County's investor loans, ranking 17th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 35.8% of the loans here, so comparing written term sheets matters more.
The average investor loan in Grayson County was $227K, ranking 23rd lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Grayson County?
The most active investment-property lenders in Grayson County in 2025 HMDA data were First United Bank and Trust Company; LENNAR MORTGAGE, LLC; and DHI MORTGAGE COMPANY, LTD., out of 132 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Grayson County, and matches each file to the one most likely to fund it.
Grayson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 617 loans and $139.8M from 132 lenders. First United Bank and Trust Company led Grayson County with 57 loans, 9.2% of the county's total, and the average Grayson County loan of $227K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First United Bank and Trust Company | 57 | $10.0M | $176K | 43.9% |
| LENNAR MORTGAGE, LLC | 55 | $9.7M | $177K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 41 | $8.1M | $198K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 40 | $8.6M | $216K | 32.5% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 28 | $6.6M | $236K | 100.0% |
| THE LOAN STORE, INC. | 22 | $5.5M | $250K | 40.9% |
| Kiavi Funding, Inc. | 19 | $3.6M | $188K | 63.2% |
| Ameristate Bank | 13 | $2.4M | $187K | 38.5% |
| Emporium TPO LLC | 12 | $2.2M | $186K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | $2.0M | $222K | 66.7% |
| Loandepot.Com, LLC | 9 | $1.8M | $201K | 100.0% |
| Lamar National Bank | 8 | $4.6M | $570K | 87.5% |
| PENNYMAC LOAN SERVICES, LLC | 8 | $3.3M | $408K | 62.5% |
| AMERICAN HERITAGE LENDING, LLC | 8 | $1.3M | $163K | 12.5% |
| Simmons Bank | 7 | $2.8M | $405K | 71.4% |
| NEWREZ LLC | 7 | $2.5M | $361K | 71.4% |
| Investmark Mortgage, LLC | 7 | $1.4M | $202K | 100.0% |
| Rocket Mortgage, LLC | 7 | $1.2M | $166K | 57.1% |
| First Texoma National Bank | 7 | $1.2M | $165K | 42.9% |
| GUILD MORTGAGE COMPANY | 7 | $1.1M | $162K | 57.1% |
| Hometown Equity Mortgage, LLC | 6 | $2.0M | $337K | 83.3% |
| Great Plains National Bank | 6 | $2.0M | $332K | 50.0% |
| VELOCIO MORTGAGE L.L.C. | 6 | $1.4M | $230K | 100.0% |
| JPMorgan Chase Bank, National Association | 6 | $1.1M | $185K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.0M | $173K | 0.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Grayson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Grayson County CSV, all 25 lenders
What Grayson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Grayson County's fix-and-flip and bridge lenders barely appear among its 132 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Grayson County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Grayson County property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Grayson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 132 lenders and 617 loans: 2025 HMDA loan-level data rolled up to Grayson County.
- Grayson County investor-lender dataset (CSV) — All 25 Grayson County lenders in the table, First United Bank and Trust Company first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.