DSCR Loans in Humboldt County, California
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)
In 2025 HMDA data, 44 lenders made 107 investment-property loans in Humboldt County, 0.2% of California's total. Dominick Prevete arranges DSCR loans across Humboldt County, California, 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 $335,000.
Humboldt County investor market at a glance
| Statistic | Humboldt County | California | County rank |
|---|---|---|---|
| Investor loans | 107 | 54,410 | 38th of 39 |
| Reporting lenders | 44 | 630 | 39th of 39 |
| Loan volume | $30.3M | $37.12B | 39th of 39 |
| Average loan | $284K | $682K | 32nd of 39 |
| Median loan | $255K | $485K | 33rd of 39 |
| Purchases | 50.5% | 51.1% | 24th of 39 |
| Cash-out refinances | 32.7% | 25.6% | 4th of 39 |
| 2–4 unit properties | 23.4% | 16.6% | 4th of 39 |
| Top five lenders' share | 50.5% | 23.2% | 2nd of 39 |
| Reported business-purpose | 72.0% | 71.2% | 17th of 39 |
Humboldt County: closed-end loans on 1–4 unit investment properties. Humboldt County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Humboldt County's investor loans.
What stands out in Humboldt County
The five most active lenders wrote 50.5% of Humboldt County's investor loans, the 2nd-highest share of California's 39 counties with published data (statewide: 23.2%).
Five lenders write 50.5% of the loans here, so comparing written term sheets matters more.
32.7% of Humboldt County's investor loans were cash-out refinances, the 4th-highest share of California's 39 counties with published data (statewide: 25.6%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
23.4% of Humboldt County's investor loans financed a 2–4 unit property, the 4th-highest share of California's 39 counties with published data (statewide: 16.6%).
2–4 unit properties are a larger share here than in most of California. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Humboldt County?
At HUD's fair market rent of $2,152 for a 3-bedroom in Humboldt County, California, a rental covers its full DSCR payment up to a purchase price of about $335,000, with 20% down at the 7.25% starting rate (November 2026). Humboldt County's median home value is $446,900; at that price the payment is $2,863 a month, so the property would need $2,875 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,554 / $2,152 / $2,597 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $446,900 |
| Median property taxes and effective rate | $2,858 (0.64% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,863 |
| Rent needed to cover that payment | $2,875 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $335,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $485,000 |
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 Humboldt County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Humboldt County?
The most active investment-property lenders in Humboldt County in 2025 HMDA data were Fairway Independent Mortgage Corporation; UNITED SHORE FINANCIAL SERVICES, LLC; and BETTER MORTGAGE CORPORATION, out of 44 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 Humboldt County, and matches each file to the one most likely to fund it.
Humboldt County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 107 loans and $30.3M from 44 lenders. Fairway Independent Mortgage Corporation led Humboldt County with 19 loans, 17.8% of the county's total, and the average Humboldt County loan of $284K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Fairway Independent Mortgage Corporation | 19 | $4.5M | $239K | 78.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 13 | $3.7M | $287K | 53.8% |
| BETTER MORTGAGE CORPORATION | 10 | $3.3M | $334K | 80.0% |
| Rocket Mortgage, LLC | 8 | $1.4M | $169K | 37.5% |
| Florida Capital Bank, National Association | 4 | $1.2M | $303K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $1.3M | $432K | 0.0% |
| THE LOAN STORE, INC. | 3 | $1.2M | $395K | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | $1.1M | $378K | 33.3% |
| NEXERA HOLDING LLC | 3 | $0.8M | $252K | 0.0% |
| GUARANTEED RATE, INC. | 2 | $0.9M | $465K | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.9M | $445K | 50.0% |
| MISSION LOANS, LLC | 2 | $0.7M | $345K | 0.0% |
| THE GOLDEN 1 | 2 | $0.5M | $235K | 100.0% |
| REDWOOD | 2 | $0.3M | $140K | 100.0% |
| SPRING EQ, LLC | 2 | $0.3M | $140K | 0.0% |
| Umpqua Bank | 1 | $0.7M | $665K | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | $0.6M | $555K | 0.0% |
| U.S. Bank National Association | 1 | $0.6M | $555K | 100.0% |
| Greenbox Loans, Inc. | 1 | $0.5M | $455K | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | $0.4M | $445K | 0.0% |
| Wells Fargo Bank, National Association | 1 | $0.4M | $395K | 100.0% |
| Bank of America, National Association | 1 | $0.4M | $365K | 100.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | $0.4M | $355K | 0.0% |
| Tri Counties Bank | 1 | $0.4M | $355K | 0.0% |
| A&D Mortgage LLC | 1 | $0.3M | $335K | 100.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Humboldt County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Humboldt County CSV, all 25 lenders
What Humboldt County's table can't show you: fit. Short-term financing is exempt from HMDA, so Humboldt County's fix-and-flip and bridge lenders barely appear among its 44 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 Humboldt County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Humboldt County, California 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 — Humboldt County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 44 lenders and 107 loans: 2025 HMDA loan-level data rolled up to Humboldt County.
- Humboldt County investor-lender dataset (CSV) — All 25 lenders in the Humboldt County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Humboldt 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 Humboldt County, CA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Humboldt 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.