DSCR Loans in Harrison 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 Harrison 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, 35 lenders made 108 investment-property loans there, 0.2% of Texas's total; the most active are in the table below.
Harrison County investor market at a glance
| Statistic | Harrison County | Texas | County rank |
|---|---|---|---|
| Investor loans | 108 | 49,613 | 50th of 51 |
| Reporting lenders | 35 | 903 | 51st of 51 |
| Loan volume | $18.5M | $13.00B | 50th of 51 |
| Average loan | $171K | $262K | 43rd of 51 |
| Median loan | $145K | $205K | 43rd of 51 |
| Purchases | 70.4% | 61.7% | 12th of 51 |
| Cash-out refinances | 11.1% | 17.9% | 43rd of 51 |
| 2–4 unit properties | 18.5% | 8.8% | 8th of 51 |
| Top five lenders' share | 47.2% | 18.3% | 6th of 51 |
| Reported business-purpose | 61.1% | 68.5% | 39th of 51 |
Harrison County: closed-end loans on 1–4 unit investment properties. Harrison County's rank is highest first, among Texas'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
The five most active lenders wrote 47.2% of Harrison County's investor loans, ranking 6th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 47.2% of the loans here, so comparing written term sheets matters more.
The average investor loan in Harrison County was $171K, ranking 9th 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 Harrison County?
The most active investment-property lenders in Harrison County in 2025 HMDA data were Austin Bank, Texas National Association; VeraBank, National Association; and Spring Hill State Bank, out of 35 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 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: 108 loans and $18.5M from 35 lenders. Austin Bank, Texas National Association led Harrison County with 19 loans, 17.6% of the county's total, and the average Harrison County loan of $171K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Austin Bank, Texas National Association | 19 | $2.5M | $130K | 84.2% |
| VeraBank, National Association | 11 | $2.1M | $192K | 72.7% |
| Spring Hill State Bank | 8 | $1.3M | $156K | 75.0% |
| Texas National Bank of Jacksonville | 7 | $0.9M | $134K | 71.4% |
| EASTMAN CREDIT UNION | 6 | $0.9M | $152K | 66.7% |
| Community Bank | 5 | $0.8M | $157K | 80.0% |
| Cadence Bank | 5 | $0.6M | $129K | 80.0% |
| First National Bank of East Texas | 4 | $1.0M | $245K | 75.0% |
| The First National Bank of Hughes Springs | 4 | $0.4M | $93K | 75.0% |
| Gilmer National Bank, Gilmer, Texas | 3 | $1.0M | $335K | 33.3% |
| Guaranty Bank & Trust, N.A. | 3 | $0.6M | $202K | 100.0% |
| City Bank & Trust Co. | 3 | $0.6M | $198K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.2M | $75K | 33.3% |
| Fairway Independent Mortgage Corporation | 2 | $0.7M | $360K | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 2 | $0.4M | $185K | 100.0% |
| TEXAS MORTGAGE LENDING, LLC | 2 | $0.3M | $140K | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | $0.3M | $130K | 50.0% |
| Origin Bank | 2 | $0.3M | $125K | 50.0% |
| Texas Bank | 1 | $0.5M | $545K | 100.0% |
| Citizens National Bank, N.A. | 1 | $0.4M | $355K | 100.0% |
| Central Bank | 1 | $0.3M | $345K | 0.0% |
| Texana Bank, National Association | 1 | $0.3M | $335K | 0.0% |
| Glacier Bank | 1 | $0.3M | $265K | 100.0% |
| NEWREZ LLC | 1 | $0.2M | $245K | 100.0% |
| T2 FINANCIAL LLC | 1 | $0.2M | $235K | 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 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 35 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 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 deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Harrison 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 — Harrison County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 35 lenders and 108 loans: 2025 HMDA loan-level data rolled up to Harrison County.
- Harrison County investor-lender dataset (CSV) — All 25 Harrison County lenders in the table, Austin Bank, Texas National Association 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.