DSCR Loans in Hall County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 118 lenders made 344 investment-property loans in Hall County, 1.6% of Georgia's total. Dominick Prevete arranges DSCR loans across Hall County, Georgia, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $285,000.
Hall County investor market at a glance
| Statistic | Hall County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 344 | 21,364 | 14th of 43 |
| Reporting lenders | 118 | 586 | 9th of 43 |
| Loan volume | $129.8M | $5.33B | 7th of 43 |
| Average loan | $377K | $249K | 3rd of 43 |
| Median loan | $265K | $205K | 8th of 43 |
| Purchases | 62.5% | 57.3% | 18th of 43 |
| Cash-out refinances | 20.3% | 17.5% | 11th of 43 |
| 2–4 unit properties | 8.7% | 10.0% | 20th of 43 |
| Top five lenders' share | 20.9% | 18.5% | 42nd of 43 |
| Reported business-purpose | 69.2% | 65.7% | 18th of 43 |
Hall County: closed-end loans on 1–4 unit investment properties. Hall County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hall County's investor loans.
What stands out in Hall County
The five most active lenders wrote 20.9% of Hall County's investor loans, the 2nd-lowest share of Georgia's 43 counties with published data (statewide: 18.5%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The average investor loan in Hall County was $377K, the 3rd-highest average of Georgia's 43 counties with published data (statewide: $249K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Hall County?
At HUD's fair market rent of $1,860 for a 3-bedroom in Hall County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Hall County's median home value is $350,400; at that price the payment is $2,273 a month, so the property would need $2,275 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,543 / $1,860 / $2,222 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $350,400 |
| Median property taxes and effective rate | $2,571 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,273 |
| Rent needed to cover that payment | $2,275 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Hall County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hall County?
The most active investment-property lenders in Hall County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and AMERICAN HERITAGE LENDING, LLC, out of 118 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 Hall County, and matches each file to the one most likely to fund it.
Hall County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 344 loans and $129.8M from 118 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Hall County with 19 loans, 5.5% of the county's total, and the average Hall County loan of $377K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | $4.6M | $242K | 42.1% |
| Rocket Mortgage, LLC | 15 | $4.1M | $273K | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 14 | $4.8M | $340K | 71.4% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $3.7M | $281K | 46.2% |
| TRAILBLAZER MORTGAGE L.L.C. | 11 | $3.1M | $286K | 100.0% |
| PINNACLE BANK | 10 | $3.3M | $326K | 30.0% |
| INSPIRE HOME LOANS INC. | 10 | $2.5M | $248K | 90.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $1.8M | $202K | 100.0% |
| Peach State Bank & Trust | 8 | $2.9M | $361K | 50.0% |
| GUARANTEED RATE, INC. | 8 | $2.6M | $328K | 62.5% |
| Citadel Servicing Corporation | 7 | $1.9M | $268K | 57.1% |
| THE LOAN STORE, INC. | 7 | $1.9M | $266K | 42.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 6 | $2.1M | $347K | 33.3% |
| EVERETT FINANCIAL, INC. | 6 | $1.8M | $307K | 66.7% |
| AMWEST FUNDING CORP. | 6 | $1.4M | $227K | 33.3% |
| ICE LENDER HOLDINGS LLC | 6 | $1.1M | $188K | 0.0% |
| Ameris Bank | 5 | $1.8M | $365K | 100.0% |
| Fairway Independent Mortgage Corporation | 5 | $1.5M | $307K | 100.0% |
| Kiavi Funding, Inc. | 5 | $1.4M | $287K | 100.0% |
| Easy Street Capital, LLC | 5 | $1.3M | $251K | 0.0% |
| United Community Bank | 5 | $1.0M | $201K | 40.0% |
| First Option Mortgage, LLC | 5 | $0.8M | $159K | 80.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $1.9M | $470K | 25.0% |
| Taylor Morrison Home Funding, Inc. | 4 | $1.4M | $358K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.1M | $283K | 25.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hall County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hall County CSV, all 25 lenders
What Hall County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hall County's fix-and-flip and bridge lenders barely appear among its 118 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 Hall County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hall County, Georgia 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 — Hall County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 118 lenders and 344 loans: 2025 HMDA loan-level data rolled up to Hall County.
- Hall County investor-lender dataset (CSV) — All 25 lenders in the Hall County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hall County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Gainesville, GA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hall County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.