DSCR Loans in Harrison County, Mississippi
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 89 lenders made 450 investment-property loans in Harrison County, 7.7% of Mississippi's total. Dominick Prevete arranges DSCR loans across Harrison County, Mississippi, 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 $235,000.
Harrison County investor market at a glance
| Statistic | Harrison County | Mississippi | County rank |
|---|---|---|---|
| Investor loans | 450 | 5,868 | 2nd of 12 |
| Reporting lenders | 89 | 295 | 2nd of 12 |
| Loan volume | $73.8M | $863.0M | 4th of 12 |
| Average loan | $164K | $147K | 8th of 12 |
| Median loan | $135K | $115K | 8th of 12 |
| Purchases | 49.6% | 50.1% | 9th of 12 |
| Cash-out refinances | 12.7% | 7.9% | 2nd of 12 |
| 2–4 unit properties | 21.1% | 13.0% | 1st of 12 |
| Top five lenders' share | 37.6% | 34.2% | 10th of 12 |
| Reported business-purpose | 81.3% | 72.3% | 3rd of 12 |
Harrison County: closed-end loans on 1–4 unit investment properties. Harrison County's rank is highest first, among Mississippi's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Harrison County's investor loans.
What stands out in Harrison County
21.1% of Harrison County's investor loans financed a 2–4 unit property, the highest share of Mississippi's 12 counties with published data (statewide: 13.0%).
2–4 unit properties are a larger share here than in most of Mississippi. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
12.7% of Harrison County's investor loans were cash-out refinances, the 2nd-highest share of Mississippi's 12 counties with published data (statewide: 7.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
By share of investor loans reported as business-purpose, Harrison County ranks 3rd-highest of Mississippi's 12 counties with published data (statewide: 72.3%).
81.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Harrison County?
At HUD's fair market rent of $1,525 for a 3-bedroom in Harrison County, Mississippi, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Harrison County's median home value is $212,200; at that price the payment is $1,361 a month, so the property would need $1,375 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,185 / $1,525 / $1,723 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $212,200 |
| Median property taxes and effective rate | $1,370 (0.65% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,361 |
| Rent needed to cover that payment | $1,375 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $365,000 |
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 Harrison County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Harrison County?
The most active investment-property lenders in Harrison County in 2025 HMDA data were Community Bank of Mississippi, Cadence Bank and Loan Funder LLC, out of 89 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 Harrison County, and matches each file to the one most likely to fund it.
Harrison County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 450 loans and $73.8M from 89 lenders. Community Bank of Mississippi led Harrison County with 53 loans, 11.8% of the county's total, and the average Harrison County loan of $164K compares with $147K across Mississippi.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank of Mississippi | 53 | $8.3M | $157K | 22.6% |
| Cadence Bank | 46 | $8.5M | $186K | 47.8% |
| Loan Funder LLC | 30 | $4.6M | $153K | 10.0% |
| CMG MORTGAGE, INC. | 23 | $3.8M | $164K | 95.7% |
| THE PEOPLES BANK, BILOXI, MISSISSIPPI | 17 | $1.7M | $97K | 29.4% |
| BPL MORTGAGE TRUST, LLC | 14 | $1.5M | $110K | 21.4% |
| 21st Mortgage Corporation | 13 | $0.8M | $63K | 69.2% |
| KIND LENDING, LLC | 12 | $1.9M | $159K | 91.7% |
| The Citizens Bank of Philadelphia, Mississippi | 12 | $1.6M | $137K | 33.3% |
| BankPlus | 11 | $1.9M | $174K | 27.3% |
| Rocket Mortgage, LLC | 11 | $1.4M | $130K | 18.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $1.8M | $178K | 80.0% |
| LENDINGONE, LLC | 10 | $1.4M | $145K | 60.0% |
| KEESLER | 9 | $0.9M | $103K | 33.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $1.3M | $156K | 62.5% |
| DOMINION FINANCIAL SERVICES, LLC | 8 | $1.1M | $140K | 100.0% |
| Loandepot.Com, LLC | 8 | $1.1M | $133K | 87.5% |
| Renasant Bank | 8 | $0.9M | $115K | 0.0% |
| HANCOCK WHITNEY BANK | 7 | $1.2M | $172K | 57.1% |
| CV3 FINANCIAL SERVICES, LLC | 7 | $1.1M | $158K | 57.1% |
| GUARANTEED RATE, INC. | 6 | $1.0M | $173K | 100.0% |
| Magnolia Bank, Incorporated | 6 | $0.9M | $150K | 100.0% |
| Trustmark National Bank | 6 | $0.8M | $138K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $1.5M | $299K | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $0.7M | $143K | 0.0% |
67 Mississippi loans (1.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Harrison County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Harrison County CSV, all 25 lenders
What Harrison County's table can't show you: fit. Short-term financing is exempt from HMDA, so Harrison County's fix-and-flip and bridge lenders barely appear among its 89 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 Harrison County, Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Harrison County, Mississippi 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 — Harrison County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 89 lenders and 450 loans: 2025 HMDA loan-level data rolled up to Harrison County.
- Harrison County investor-lender dataset (CSV) — All 25 lenders in the Harrison County, Mississippi table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Harrison 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 Gulfport-Biloxi, MS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Harrison 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.