DSCR Loans in Harris County, Texas
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)
Dominick Prevete arranges DSCR loans across Harris 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, 419 lenders made 7,228 investment-property loans there, 14.6% of Texas's total; the most active are in the table below.
Harris County investor market at a glance
| Statistic | Harris County | Texas | County rank |
|---|---|---|---|
| Investor loans | 7,228 | 49,613 | 1st of 51 |
| Reporting lenders | 419 | 903 | 1st of 51 |
| Loan volume | $1.87B | $13.00B | 1st of 51 |
| Average loan | $259K | $262K | 16th of 51 |
| Median loan | $205K | $205K | 20th of 51 |
| Purchases | 59.8% | 61.7% | 34th of 51 |
| Cash-out refinances | 20.9% | 17.9% | 14th of 51 |
| 2–4 unit properties | 6.8% | 8.8% | 37th of 51 |
| Top five lenders' share | 24.9% | 18.3% | 41st of 51 |
| Reported business-purpose | 72.2% | 68.5% | 10th of 51 |
Harris County: closed-end loans on 1–4 unit investment properties. Harris County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Harris County's investor loans.
What stands out in Harris County
The five most active lenders wrote 24.9% of Harris County's investor loans, ranking 41st highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 24.9% of the loans here, so comparing written term sheets matters more.
20.9% of Harris County's investor loans were cash-out refinances, ranking 14th highest of Texas's 51 counties with published data (statewide: 17.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Who are the DSCR and investment-property lenders in Harris County?
The most active investment-property lenders in Harris County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; LENNAR MORTGAGE, LLC; and THE LOAN STORE, INC., out of 419 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 several that reported in Harris County, and matches each file to the one most likely to fund it.
Harris County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 7,228 loans and $1.87B from 419 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Harris County with 710 loans, 9.8% of the county's total, and the average Harris County loan of $259K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 710 | $152.7M | $215K | 50.4% |
| LENNAR MORTGAGE, LLC | 334 | $66.3M | $199K | 100.0% |
| THE LOAN STORE, INC. | 274 | $65.5M | $239K | 63.9% |
| AMWEST FUNDING CORP. | 264 | $56.5M | $214K | 73.5% |
| Rocket Mortgage, LLC | 221 | $44.9M | $203K | 54.8% |
| CHAMPIONS FUNDING, LLC | 214 | $56.6M | $264K | 36.9% |
| Kiavi Funding, Inc. | 187 | $43.3M | $231K | 78.6% |
| Hometown Equity Mortgage, LLC | 168 | $46.7M | $278K | 48.8% |
| OCMBC, INC. | 157 | $36.4M | $232K | 45.2% |
| KIND LENDING, LLC | 124 | $29.7M | $239K | 66.9% |
| A&D Mortgage LLC | 111 | $23.4M | $210K | 61.3% |
| Emporium TPO LLC | 101 | $22.7M | $225K | 8.9% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 98 | $28.6M | $292K | 38.8% |
| HOMEXPRESS MORTGAGE CORP. | 98 | $25.9M | $264K | 37.8% |
| Citadel Servicing Corporation | 96 | $26.9M | $280K | 69.8% |
| NEWREZ LLC | 87 | $21.3M | $245K | 59.8% |
| Prosperity Bank | 86 | $77.7M | $903K | 90.7% |
| PENNYMAC LOAN SERVICES, LLC | 77 | $21.9M | $285K | 63.6% |
| JPMorgan Chase Bank, National Association | 77 | $18.4M | $239K | 71.4% |
| Loan Funder LLC | 72 | $27.8M | $387K | 56.9% |
| CMG MORTGAGE, INC. | 72 | $16.4M | $228K | 63.9% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 69 | $17.0M | $247K | 5.8% |
| Commerce Home Mortgage, Inc. | 66 | $16.2M | $246K | 53.0% |
| 212 LOANS, LLC. | 66 | $13.8M | $210K | 100.0% |
| Broker Solutions, Inc. | 63 | $12.2M | $194K | 74.6% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Harris County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Harris County CSV, all 25 lenders
What Harris County's table can't show you: fit. Short-term financing is exempt from HMDA, so Harris County's fix-and-flip and bridge lenders barely appear among its 419 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 several 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 Harris County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Harris 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 — Harris County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 419 lenders and 7,228 loans: 2025 HMDA loan-level data rolled up to Harris County.
- Harris County investor-lender dataset (CSV) — All 25 Harris County lenders in the table, UNITED SHORE FINANCIAL SERVICES, LLC 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.