DSCR Loans in Jefferson County, Colorado
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, 169 lenders made 777 investment-property loans in Jefferson County, 9.4% of Colorado's total. Dominick Prevete arranges DSCR loans across Jefferson County, Colorado, 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 $450,000.
Jefferson County investor market at a glance
| Statistic | Jefferson County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 777 | 8,274 | 4th of 15 |
| Reporting lenders | 169 | 514 | 3rd of 15 |
| Loan volume | $353.7M | $3.80B | 2nd of 15 |
| Average loan | $455K | $460K | 7th of 15 |
| Median loan | $415K | $355K | 6th of 15 |
| Purchases | 63.7% | 60.1% | 4th of 15 |
| Cash-out refinances | 16.6% | 17.7% | 9th of 15 |
| 2–4 unit properties | 10.3% | 9.4% | 7th of 15 |
| Top five lenders' share | 33.8% | 23.9% | 3rd of 15 |
| Reported business-purpose | 69.1% | 69.2% | 7th of 15 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jefferson County's investor loans.
What stands out in Jefferson County
The five most active lenders wrote 33.8% of Jefferson County's investor loans, the 3rd-highest share of Colorado's 15 counties with published data (statewide: 23.9%).
Five lenders write 33.8% of the loans here, so comparing written term sheets matters more.
Jefferson County's 777 investor loans ranked 4th of Colorado's 15 counties with published data.
Does a DSCR loan pencil in Jefferson County?
At HUD's fair market rent of $2,846 for a 3-bedroom in Jefferson County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $450,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson County's median home value is $637,600; at that price the payment is $4,002 a month, so the property would need $4,025 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) | $2,169 / $2,846 / $3,183 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $637,600 |
| Median property taxes and effective rate | $3,082 (0.48% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,002 |
| Rent needed to cover that payment | $4,025 |
| Coverage of a 3-bedroom at fair market rent | 0.71 |
| Highest price a 3-bedroom at fair market rent covers | about $450,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $690,000 |
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 Jefferson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jefferson County?
The most active investment-property lenders in Jefferson County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; MERCHANTS MORTGAGE & TRUST CORPORATION, LLC; and FirstBank, out of 169 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 Jefferson County, and matches each file to the one most likely to fund it.
Jefferson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 777 loans and $353.7M from 169 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Jefferson County with 76 loans, 9.8% of the county's total, and the average Jefferson County loan of $455K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 76 | $30.8M | $406K | 48.7% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 65 | $35.2M | $541K | 100.0% |
| FirstBank | 51 | $26.8M | $526K | 84.3% |
| THE LOAN STORE, INC. | 36 | $14.6M | $406K | 55.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 35 | $18.9M | $541K | 94.3% |
| Kiavi Funding, Inc. | 34 | $21.5M | $632K | 88.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | $7.9M | $397K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 19 | $8.8M | $461K | 68.4% |
| CONVENTUS LLC | 17 | $9.9M | $581K | 94.1% |
| Rocket Mortgage, LLC | 15 | $3.9M | $260K | 40.0% |
| GUILD MORTGAGE COMPANY | 14 | $5.0M | $356K | 57.1% |
| ELEVATIONS | 12 | $3.3M | $277K | 91.7% |
| NexBank | 11 | $7.0M | $640K | 45.5% |
| Commerce Home Mortgage, Inc. | 11 | $6.6M | $599K | 9.1% |
| CHAMPIONS FUNDING, LLC | 11 | $4.5M | $410K | 27.3% |
| Bank of Colorado | 10 | $5.5M | $546K | 70.0% |
| Synergy One Lending, Inc. | 9 | $3.7M | $413K | 55.6% |
| KIND LENDING, LLC | 8 | $4.2M | $526K | 50.0% |
| GUARANTEED RATE, INC. | 8 | $3.7M | $461K | 75.0% |
| JPMorgan Chase Bank, National Association | 7 | $3.6M | $514K | 71.4% |
| NEWREZ LLC | 7 | $2.7M | $392K | 28.6% |
| U.S. Bank National Association | 7 | $2.3M | $334K | 42.9% |
| Wells Fargo Bank, National Association | 7 | $2.3M | $329K | 71.4% |
| AMERICAN FINANCING CORPORATION | 7 | $0.9M | $124K | 0.0% |
| Easy Street Capital, LLC | 6 | $2.8M | $465K | 0.0% |
77 Colorado loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jefferson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Jefferson County CSV, all 25 lenders
What Jefferson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Jefferson County's fix-and-flip and bridge lenders barely appear among its 169 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 Jefferson County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson County, Colorado 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 — Jefferson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 169 lenders and 777 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 lenders in the Jefferson County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jefferson 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 Denver-Aurora-Centennial, CO MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jefferson 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.