DSCR Loans in Hidalgo County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Hidalgo 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, 134 lenders made 895 investment-property loans there, 1.8% of Texas's total; the most active are in the table below.
Hidalgo County investor market at a glance
| Statistic | Hidalgo County | Texas | County rank |
|---|---|---|---|
| Investor loans | 895 | 49,613 | 12th of 51 |
| Reporting lenders | 134 | 903 | 19th of 51 |
| Loan volume | $219.6M | $13.00B | 11th of 51 |
| Average loan | $245K | $262K | 23rd of 51 |
| Median loan | $205K | $205K | 20th of 51 |
| Purchases | 63.1% | 61.7% | 23rd of 51 |
| Cash-out refinances | 19.2% | 17.9% | 19th of 51 |
| 2–4 unit properties | 38.0% | 8.8% | 1st of 51 |
| Top five lenders' share | 22.9% | 18.3% | 46th of 51 |
| Reported business-purpose | 71.5% | 68.5% | 11th of 51 |
Hidalgo County: closed-end loans on 1–4 unit investment properties. Hidalgo County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hidalgo County's investor loans.
What stands out in Hidalgo County
38.0% of Hidalgo County's investor loans financed a 2–4 unit property, the highest share of Texas's 51 counties with published data (statewide: 8.8%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The five most active lenders wrote 22.9% of Hidalgo County's investor loans, ranking 46th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 22.9% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Hidalgo County?
The most active investment-property lenders in Hidalgo County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Lone Star National Bank; and FM Home Loans, LLC, out of 134 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 Hidalgo County, and matches each file to the one most likely to fund it.
Hidalgo County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 895 loans and $219.6M from 134 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Hidalgo County with 63 loans, 7.0% of the county's total, and the average Hidalgo County loan of $245K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 63 | $13.0M | $206K | 39.7% |
| Lone Star National Bank | 38 | $8.4M | $221K | 76.3% |
| FM Home Loans, LLC | 35 | $14.7M | $419K | 100.0% |
| CHAMPIONS FUNDING, LLC | 35 | $10.7M | $306K | 65.7% |
| SECURITY SERVICE FEDERAL CREDIT UNION | 34 | $5.3M | $156K | 35.3% |
| Hometown Equity Mortgage, LLC | 30 | $7.7M | $255K | 60.0% |
| DIRECTIONS EQUITY, LLC | 27 | $7.0M | $258K | 85.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 26 | $6.5M | $250K | 92.3% |
| WILLOW BEND MORTGAGE COMPANY, LLC | 25 | $6.2M | $247K | 16.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 23 | $4.0M | $174K | 0.0% |
| Synergy One Lending, Inc. | 20 | $4.8M | $241K | 75.0% |
| Rocket Mortgage, LLC | 18 | $4.3M | $238K | 61.1% |
| HOMEXPRESS MORTGAGE CORP. | 18 | $3.8M | $212K | 66.7% |
| GENWAY HOME MORTGAGE, INC. | 17 | $5.3M | $314K | 100.0% |
| THE LOAN STORE, INC. | 17 | $5.2M | $309K | 82.4% |
| Citadel Servicing Corporation | 17 | $4.5M | $264K | 88.2% |
| Texas National Bank | 17 | $3.5M | $205K | 70.6% |
| Texas Regional Bank | 16 | $4.2M | $262K | 93.8% |
| Rio Bank | 16 | $2.8M | $176K | 81.2% |
| CMG MORTGAGE, INC. | 16 | $2.7M | $171K | 81.2% |
| LEI:254900CTT87ZKAUTIJ37 | 14 | $4.3M | $307K | 7.1% |
| RALLY CREDIT UNION | 14 | $3.7M | $264K | 28.6% |
| MOVEMENT MORTGAGE, LLC | 14 | $3.1M | $219K | 78.6% |
| Loan Funder LLC | 13 | $2.8M | $214K | 69.2% |
| KIND LENDING, LLC | 13 | $2.6M | $203K | 69.2% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hidalgo County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hidalgo County CSV, all 25 lenders
What Hidalgo County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hidalgo County's fix-and-flip and bridge lenders barely appear among its 134 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 Hidalgo County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hidalgo 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 — Hidalgo County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 134 lenders and 895 loans: 2025 HMDA loan-level data rolled up to Hidalgo County.
- Hidalgo County investor-lender dataset (CSV) — All 25 Hidalgo 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.