DSCR Loans in Jackson County, Oregon
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 71 lenders made 307 investment-property loans in Jackson County, 6.3% of Oregon's total. Dominick Prevete arranges DSCR loans across Jackson County, Oregon, 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 $325,000.
Jackson County investor market at a glance
| Statistic | Jackson County | Oregon | County rank |
|---|---|---|---|
| Investor loans | 307 | 4,893 | 7th of 11 |
| Reporting lenders | 71 | 316 | 7th of 11 |
| Loan volume | $91.9M | $1.80B | 7th of 11 |
| Average loan | $299K | $368K | 11th of 11 |
| Median loan | $285K | $325K | 10th of 11 |
| Purchases | 74.3% | 56.3% | 1st of 11 |
| Cash-out refinances | 13.4% | 23.2% | 11th of 11 |
| 2–4 unit properties | 21.5% | 19.1% | 5th of 11 |
| Top five lenders' share | 43.0% | 16.4% | 1st of 11 |
| Reported business-purpose | 49.8% | 71.8% | 11th of 11 |
Jackson County: closed-end loans on 1–4 unit investment properties. Jackson County's rank is highest first, among Oregon's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jackson County's investor loans.
What stands out in Jackson County
49.8% of Jackson County's investor loans were reported as business-purpose, the lowest share of Oregon's 11 counties with published data (statewide: 71.8%).
Fewer investor loans here were reported as business-purpose than in most of Oregon. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
74.3% of Jackson County's investor loans were purchases, the highest share of Oregon's 11 counties with published data (statewide: 56.3%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
13.4% of Jackson County's investor loans were cash-out refinances, the lowest share of Oregon's 11 counties with published data (statewide: 23.2%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Jackson County?
At HUD's fair market rent of $2,131 for a 3-bedroom in Jackson County, Oregon, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Jackson County's median home value is $430,200; at that price the payment is $2,792 a month, so the property would need $2,800 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) | $1,539 / $2,131 / $2,543 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $430,200 |
| Median property taxes and effective rate | $3,174 (0.74% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,792 |
| Rent needed to cover that payment | $2,800 |
| Coverage of a 3-bedroom at fair market rent | 0.76 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $470,000 |
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 Jackson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jackson County?
The most active investment-property lenders in Jackson County in 2025 HMDA data were Evergreen Federal Bank, ROGUE CREDIT UNION and GUILD MORTGAGE COMPANY, out of 71 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 and matches each file to the one most likely to fund it.
Jackson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 307 loans and $91.9M from 71 lenders. Evergreen Federal Bank led Jackson County with 72 loans, 23.5% of the county's total, and the average Jackson County loan of $299K compares with $368K across Oregon.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Evergreen Federal Bank | 72 | $20.9M | $290K | 98.6% |
| ROGUE CREDIT UNION | 18 | $4.9M | $271K | 61.1% |
| GUILD MORTGAGE COMPANY | 16 | $4.5M | $278K | 62.5% |
| CMG MORTGAGE, INC. | 15 | $4.4M | $296K | 86.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $4.2M | $379K | 90.9% |
| United Wholesale Mortgage | 9 | $3.1M | $348K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 8 | $2.9M | $356K | 75.0% |
| THE LOAN STORE, INC. | 8 | $2.3M | $291K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 7 | $2.0M | $282K | 85.7% |
| HOMEXPRESS MORTGAGE CORP. | 6 | $1.9M | $320K | 33.3% |
| JPMorgan Chase Bank, National Association | 6 | $1.7M | $283K | 66.7% |
| NEWREZ LLC | 6 | $1.7M | $278K | 50.0% |
| Rocket Mortgage, LLC | 6 | $1.6M | $275K | 33.3% |
| Columbia Bank | 6 | $1.5M | $245K | 83.3% |
| FIRST COMMUNITY | 6 | $1.3M | $222K | 0.0% |
| KIND LENDING, LLC | 5 | $1.4M | $289K | 100.0% |
| Nations Lending Corporation | 5 | $1.3M | $263K | 100.0% |
| GUARANTEED RATE, INC. | 5 | $1.1M | $219K | 40.0% |
| NEXERA HOLDING LLC | 4 | $1.8M | $440K | 25.0% |
| Sunflower Bank, National Association | 4 | $1.5M | $368K | 100.0% |
| CORNERSTONE CAPITAL BANK, SSB | 4 | $1.4M | $360K | 100.0% |
| ONPOINT COMMUNITY CREDIT UNION | 4 | $1.4M | $358K | 100.0% |
| U.S. Bank National Association | 3 | $1.1M | $352K | 100.0% |
| Hometown Equity Mortgage, LLC | 3 | $0.9M | $285K | 33.3% |
| SAMMAMISH MORTGAGE COMPANY | 3 | $0.8M | $282K | 66.7% |
130 Oregon loans (2.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jackson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Jackson County CSV, all 25 lenders
What Jackson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jackson County's fix-and-flip and bridge lenders barely appear among its 71 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 so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Jackson County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Jackson County |
|---|---|---|---|
| Lane County, OR | 387 | 109 | About 105 miles away |
| Shasta County, CA | 203 | 76 | About 120 miles away |
| Deschutes County, OR | 411 | 112 | About 125 miles away |
| Humboldt County, CA | 107 | 44 | About 135 miles away |
Run the coverage test on your Jackson County, Oregon deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jackson County, Oregon 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 — Jackson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 71 lenders and 307 loans: 2025 HMDA loan-level data rolled up to Jackson County.
- Jackson County investor-lender dataset (CSV) — All 25 lenders in the Jackson County, Oregon table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jackson 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 Medford, OR MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jackson 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.