DSCR Loans in Hood 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 Hood 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, 68 lenders made 131 investment-property loans there, 0.3% of Texas's total; the most active are in the table below.
Hood County investor market at a glance
| Statistic | Hood County | Texas | County rank |
|---|---|---|---|
| Investor loans | 131 | 49,613 | 46th of 51 |
| Reporting lenders | 68 | 903 | 39th of 51 |
| Loan volume | $32.8M | $13.00B | 44th of 51 |
| Average loan | $250K | $262K | 21st of 51 |
| Median loan | $195K | $205K | 25th of 51 |
| Purchases | 60.3% | 61.7% | 32nd of 51 |
| Cash-out refinances | 16.8% | 17.9% | 29th of 51 |
| 2–4 unit properties | 6.9% | 8.8% | 35th of 51 |
| Top five lenders' share | 29.0% | 18.3% | 27th of 51 |
| Reported business-purpose | 62.6% | 68.5% | 37th of 51 |
Hood County: closed-end loans on 1–4 unit investment properties. Hood County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hood County's investor loans.
What stands out in Hood County
The five most active lenders wrote 29.0% of Hood County's investor loans, ranking 27th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 29.0% of the loans here, so comparing written term sheets matters more.
6.9% of Hood County's investor loans financed a 2–4 unit property, ranking 16th lowest of Texas's 51 counties with published data (statewide: 8.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Hood County?
The most active investment-property lenders in Hood County in 2025 HMDA data were The First National Bank of Granbury; KIND LENDING, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 68 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 Hood County, and matches each file to the one most likely to fund it.
Hood County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 131 loans and $32.8M from 68 lenders. The First National Bank of Granbury led Hood County with 16 loans, 12.2% of the county's total, and the average Hood County loan of $250K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The First National Bank of Granbury | 16 | $4.2M | $263K | 62.5% |
| KIND LENDING, LLC | 6 | $1.4M | $242K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.3M | $220K | 33.3% |
| GUILD MORTGAGE COMPANY | 5 | $1.2M | $235K | 40.0% |
| Kiavi Funding, Inc. | 5 | $0.9M | $181K | 60.0% |
| Citadel Servicing Corporation | 4 | $1.3M | $318K | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $1.0M | $245K | 0.0% |
| Loandepot.Com, LLC | 4 | $0.7M | $175K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $1.1M | $375K | 100.0% |
| Rocket Mortgage, LLC | 3 | $1.0M | $342K | 66.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | $1.0M | $338K | 66.7% |
| First Financial Bank | 3 | $0.7M | $235K | 66.7% |
| CMG MORTGAGE, INC. | 3 | $0.6M | $198K | 33.3% |
| Wellington State Bank | 3 | $0.5M | $162K | 100.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | $0.7M | $330K | 50.0% |
| NEXERA HOLDING LLC | 2 | $0.5M | $240K | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $0.4M | $205K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.4M | $190K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 2 | $0.3M | $175K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.3M | $165K | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.3M | $145K | 100.0% |
| Harmony Bank | 2 | $0.3M | $135K | 100.0% |
| 21st Mortgage Corporation | 2 | $0.2M | $105K | 100.0% |
| Austin County State Bank | 1 | $1.3M | $1255K | 0.0% |
| Ciera Bank | 1 | $1.1M | $1055K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hood County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hood County CSV, all 25 lenders
What Hood County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hood County's fix-and-flip and bridge lenders barely appear among its 68 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 Hood County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hood 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 — Hood County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 68 lenders and 131 loans: 2025 HMDA loan-level data rolled up to Hood County.
- Hood County investor-lender dataset (CSV) — All 25 Hood County lenders in the table, The First National Bank of Granbury 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.