DSCR Loans in Henderson 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 Henderson 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, 82 lenders made 164 investment-property loans there, 0.3% of Texas's total; the most active are in the table below.
Henderson County investor market at a glance
| Statistic | Henderson County | Texas | County rank |
|---|---|---|---|
| Investor loans | 164 | 49,613 | 44th of 51 |
| Reporting lenders | 82 | 903 | 34th of 51 |
| Loan volume | $47.0M | $13.00B | 37th of 51 |
| Average loan | $287K | $262K | 9th of 51 |
| Median loan | $195K | $205K | 25th of 51 |
| Purchases | 52.4% | 61.7% | 43rd of 51 |
| Cash-out refinances | 21.3% | 17.9% | 10th of 51 |
| 2–4 unit properties | 5.5% | 8.8% | 39th of 51 |
| Top five lenders' share | 26.2% | 18.3% | 38th of 51 |
| Reported business-purpose | 65.2% | 68.5% | 30th of 51 |
Henderson County: closed-end loans on 1–4 unit investment properties. Henderson County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Henderson County's investor loans.
What stands out in Henderson County
The five most active lenders wrote 26.2% of Henderson County's investor loans, ranking 38th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 26.2% of the loans here, so comparing written term sheets matters more.
21.3% of Henderson County's investor loans were cash-out refinances, ranking 10th 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 Henderson County?
The most active investment-property lenders in Henderson County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and First State Bank, out of 82 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 two that reported in Henderson County, and matches each file to the one most likely to fund it.
Henderson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 164 loans and $47.0M from 82 lenders. Kiavi Funding, Inc. led Henderson County with 14 loans, 8.5% of the county's total, and the average Henderson County loan of $287K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 14 | $1.8M | $129K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | $2.5M | $251K | 70.0% |
| First State Bank | 8 | $1.6M | $196K | 75.0% |
| VeraBank, National Association | 6 | $1.3M | $210K | 100.0% |
| ALTRA Federal Credit Union | 5 | $1.0M | $195K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.2M | $305K | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $0.8M | $200K | 25.0% |
| Austin Bank, Texas National Association | 4 | $0.7M | $180K | 100.0% |
| Ennis State Bank | 3 | $1.3M | $422K | 100.0% |
| SWBC MORTGAGE CORPORATION | 3 | $0.9M | $312K | 66.7% |
| CHAMPIONS FUNDING, LLC | 3 | $0.9M | $298K | 33.3% |
| CMG MORTGAGE, INC. | 3 | $0.8M | $275K | 0.0% |
| OCMBC, INC. | 3 | $0.8M | $262K | 0.0% |
| LEI:254900CTT87ZKAUTIJ37 | 3 | $0.5M | $178K | 66.7% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.5M | $172K | 0.0% |
| Citadel Servicing Corporation | 3 | $0.3M | $112K | 0.0% |
| Benchmark Bank | 2 | $1.9M | $925K | 50.0% |
| The City National Bank of Sulphur Springs | 2 | $1.3M | $645K | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | $1.1M | $565K | 100.0% |
| Loan Funder LLC | 2 | $0.9M | $440K | 0.0% |
| THE LOAN STORE, INC. | 2 | $0.8M | $375K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.7M | $345K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.7M | $340K | 50.0% |
| Southwestern National Bank | 2 | $0.6M | $280K | 100.0% |
| Morgan Stanley Private Bank, National Association | 2 | $0.6M | $280K | 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 Henderson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Henderson County CSV, all 25 lenders
What Henderson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Henderson County's fix-and-flip and bridge lenders barely appear among its 82 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 Henderson County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Henderson 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 — Henderson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 82 lenders and 164 loans: 2025 HMDA loan-level data rolled up to Henderson County.
- Henderson County investor-lender dataset (CSV) — All 25 Henderson County lenders in the table, Kiavi Funding, Inc. 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.