DSCR Loans in Hinds County, Mississippi
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 83 lenders made 825 investment-property loans in Hinds County, 14.1% of Mississippi's total. Dominick Prevete arranges DSCR loans across Hinds 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 $230,000.
Hinds County investor market at a glance
| Statistic | Hinds County | Mississippi | County rank |
|---|---|---|---|
| Investor loans | 825 | 5,868 | 1st of 12 |
| Reporting lenders | 83 | 295 | 3rd of 12 |
| Loan volume | $85.0M | $863.0M | 2nd of 12 |
| Average loan | $103K | $147K | 12th of 12 |
| Median loan | $85K | $115K | 12th of 12 |
| Purchases | 49.3% | 50.1% | 10th of 12 |
| Cash-out refinances | 14.3% | 7.9% | 1st of 12 |
| 2–4 unit properties | 12.6% | 13.0% | 4th of 12 |
| Top five lenders' share | 58.1% | 34.2% | 2nd of 12 |
| Reported business-purpose | 85.2% | 72.3% | 2nd of 12 |
Hinds County: closed-end loans on 1–4 unit investment properties. Hinds County's rank is highest first, among Mississippi's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hinds County's investor loans.
What stands out in Hinds County
14.3% of Hinds County's investor loans were cash-out refinances, the 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.
The average investor loan in Hinds County was $103K, the lowest average of Mississippi's 12 counties with published data (statewide: $147K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
By share of investor loans reported as business-purpose, Hinds County ranks 2nd-highest of Mississippi's 12 counties with published data (statewide: 72.3%).
85.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Hinds County?
At HUD's fair market rent of $1,536 for a 3-bedroom in Hinds County, Mississippi, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Hinds County's median home value is $159,900; at that price the payment is $1,056 a month, so the property would need $1,075 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) | $1,289 / $1,536 / $1,694 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $159,900 |
| Median property taxes and effective rate | $1,403 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,056 |
| Rent needed to cover that payment | $1,075 |
| Coverage of a 3-bedroom at fair market rent | 1.45 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
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 Hinds County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hinds County?
The most active investment-property lenders in Hinds County in 2025 HMDA data were Community Bank of Mississippi; UNITED SHORE FINANCIAL SERVICES, LLC; and BPL MORTGAGE TRUST, LLC, out of 83 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 Hinds County, and matches each file to the one most likely to fund it.
Hinds County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 825 loans and $85.0M from 83 lenders. Community Bank of Mississippi led Hinds County with 153 loans, 18.5% of the county's total, and the average Hinds County loan of $103K compares with $147K across Mississippi.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank of Mississippi | 153 | $7.6M | $49K | 20.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 136 | $11.3M | $83K | 75.0% |
| BPL MORTGAGE TRUST, LLC | 108 | $10.1M | $94K | 51.9% |
| BankPlus | 48 | $7.6M | $158K | 43.8% |
| Trustmark National Bank | 34 | $3.8M | $112K | 44.1% |
| Cadence Bank | 28 | $3.1M | $110K | 28.6% |
| PriorityOne Bank | 21 | $3.3M | $155K | 81.0% |
| CV3 FINANCIAL SERVICES, LLC | 21 | $2.5M | $117K | 76.2% |
| Copiah Bank | 15 | $1.7M | $110K | 40.0% |
| Kiavi Funding, Inc. | 15 | $1.2M | $79K | 6.7% |
| BankFirst Financial Services | 11 | $1.3M | $114K | 36.4% |
| Renasant Bank | 11 | $0.8M | $76K | 18.2% |
| LEI:529900YKD9FOL6BFSG98 | 10 | $1.6M | $162K | 10.0% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | $1.1M | $109K | 90.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | $1.0M | $96K | 70.0% |
| Bank of Yazoo City | 9 | $1.2M | $133K | 33.3% |
| First Commercial Bank | 9 | $1.1M | $125K | 55.6% |
| American Mortgage Bank, LLC | 9 | $0.8M | $89K | 100.0% |
| First Bank | 8 | $0.7M | $90K | 37.5% |
| Loan Funder LLC | 7 | $1.1M | $156K | 85.7% |
| Merchants and Planters Bank | 7 | $1.1M | $152K | 14.3% |
| JPMorgan Chase Bank, National Association | 7 | $1.0M | $141K | 100.0% |
| LENDINGONE, LLC | 7 | $0.9M | $126K | 57.1% |
| Southern Bancorp Bank | 6 | $0.8M | $127K | 33.3% |
| OCMBC, INC. | 6 | $0.7M | $110K | 50.0% |
67 Mississippi loans (1.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hinds County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hinds County CSV, all 25 lenders
What Hinds County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hinds County's fix-and-flip and bridge lenders barely appear among its 83 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 Hinds County, Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hinds 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 — Hinds County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 83 lenders and 825 loans: 2025 HMDA loan-level data rolled up to Hinds County.
- Hinds County investor-lender dataset (CSV) — All 25 lenders in the Hinds County, Mississippi table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hinds 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 Jackson, MS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hinds 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.