DSCR Loans in Gregg 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 Gregg 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, 59 lenders made 216 investment-property loans there, 0.4% of Texas's total; the most active are in the table below.
Gregg County investor market at a glance
| Statistic | Gregg County | Texas | County rank |
|---|---|---|---|
| Investor loans | 216 | 49,613 | 40th of 51 |
| Reporting lenders | 59 | 903 | 44th of 51 |
| Loan volume | $37.3M | $13.00B | 41st of 51 |
| Average loan | $172K | $262K | 42nd of 51 |
| Median loan | $155K | $205K | 41st of 51 |
| Purchases | 63.9% | 61.7% | 21st of 51 |
| Cash-out refinances | 16.2% | 17.9% | 30th of 51 |
| 2–4 unit properties | 19.0% | 8.8% | 6th of 51 |
| Top five lenders' share | 40.7% | 18.3% | 14th of 51 |
| Reported business-purpose | 63.4% | 68.5% | 36th of 51 |
Gregg County: closed-end loans on 1–4 unit investment properties. Gregg County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Gregg County's investor loans.
What stands out in Gregg County
The five most active lenders wrote 40.7% of Gregg County's investor loans, ranking 14th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 40.7% of the loans here, so comparing written term sheets matters more.
The average investor loan in Gregg County was $172K, ranking 10th 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 Gregg County?
The most active investment-property lenders in Gregg County in 2025 HMDA data were Spring Hill State Bank; EASTMAN CREDIT UNION; and VeraBank, National Association, out of 59 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 Gregg County, and matches each file to the one most likely to fund it.
Gregg County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 216 loans and $37.3M from 59 lenders. Spring Hill State Bank led Gregg County with 21 loans, 9.7% of the county's total, and the average Gregg County loan of $172K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Spring Hill State Bank | 21 | $2.9M | $139K | 76.2% |
| EASTMAN CREDIT UNION | 18 | $3.1M | $170K | 66.7% |
| VeraBank, National Association | 17 | $2.7M | $161K | 70.6% |
| Cadence Bank | 17 | $2.5M | $146K | 47.1% |
| Austin Bank, Texas National Association | 15 | $2.2M | $147K | 66.7% |
| Community Bank | 11 | $1.6M | $148K | 72.7% |
| Gilmer National Bank, Gilmer, Texas | 10 | $2.8M | $279K | 50.0% |
| Texas National Bank of Jacksonville | 10 | $1.6M | $161K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.6M | $175K | 33.3% |
| Texas Bank and Trust Company | 8 | $1.8M | $226K | 87.5% |
| GUILD MORTGAGE COMPANY | 4 | $0.8M | $198K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.5M | $125K | 25.0% |
| First National Bank of East Texas | 3 | $1.4M | $475K | 66.7% |
| UBank | 3 | $0.8M | $265K | 100.0% |
| GEO-CORP, INC. | 3 | $0.8M | $265K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | $0.8M | $252K | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.5M | $178K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.5M | $168K | 0.0% |
| Texana Bank, National Association | 3 | $0.3M | $112K | 33.3% |
| Guaranty Bank & Trust, N.A. | 2 | $1.0M | $480K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.5M | $225K | 100.0% |
| Texas Heritage National Bank | 2 | $0.3M | $175K | 100.0% |
| EAST TEXAS PROFESSIONAL Credit Union | 2 | $0.3M | $140K | 0.0% |
| Loan Funder LLC | 2 | $0.3M | $125K | 50.0% |
| The First National Bank of Hughes Springs | 2 | $0.2M | $120K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Gregg County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Gregg County CSV, all 25 lenders
What Gregg County's table can't show you: fit. Short-term financing is exempt from HMDA, so Gregg County's fix-and-flip and bridge lenders barely appear among its 59 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 Gregg County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Gregg 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 — Gregg County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 216 loans: 2025 HMDA loan-level data rolled up to Gregg County.
- Gregg County investor-lender dataset (CSV) — All 25 Gregg County lenders in the table, Spring Hill State Bank 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.