DSCR Loans in Jefferson County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 85 lenders made 273 investment-property loans in Jefferson County, 1.8% of Missouri's total. Dominick Prevete arranges DSCR loans across Jefferson County, Missouri, 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 $260,000.
Jefferson County investor market at a glance
| Statistic | Jefferson County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 273 | 15,393 | 9th of 22 |
| Reporting lenders | 85 | 534 | 8th of 22 |
| Loan volume | $47.7M | $2.82B | 12th of 22 |
| Average loan | $175K | $183K | 16th of 22 |
| Median loan | $155K | $145K | 11th of 22 |
| Purchases | 62.3% | 61.2% | 16th of 22 |
| Cash-out refinances | 15.8% | 12.1% | 6th of 22 |
| 2–4 unit properties | 17.9% | 19.1% | 13th of 22 |
| Top five lenders' share | 31.5% | 18.3% | 15th of 22 |
| Reported business-purpose | 52.7% | 63.6% | 15th of 22 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among Missouri'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
Jefferson County's 273 investor loans ranked 9th of Missouri's 22 counties with published data.
Does a DSCR loan pencil in Jefferson County?
At HUD's fair market rent of $1,731 for a 3-bedroom in Jefferson County, Missouri, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson County's median home value is $237,200; at that price the payment is $1,552 a month, so the property would need $1,575 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) | $1,349 / $1,731 / $1,997 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $237,200 |
| Median property taxes and effective rate | $1,906 (0.80% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,552 |
| Rent needed to cover that payment | $1,575 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
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 Kiavi Funding, Inc.; First State Community Bank; and ARSENAL CREDIT UNION, out of 85 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 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: 273 loans and $47.7M from 85 lenders. Kiavi Funding, Inc. led Jefferson County with 22 loans, 8.1% of the county's total, and the average Jefferson County loan of $175K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 22 | $3.7M | $166K | 59.1% |
| First State Community Bank | 20 | $3.4M | $170K | 80.0% |
| ARSENAL CREDIT UNION | 16 | $2.2M | $139K | 68.8% |
| Heritage Community Bank | 15 | $3.1M | $205K | 86.7% |
| BLOOMSDALE BANK | 13 | $2.0M | $157K | 69.2% |
| Enterprise Bank & Trust | 12 | $1.4M | $114K | 75.0% |
| The Bank of Old Monroe | 11 | $1.2M | $107K | 27.3% |
| Carrollton Bank | 9 | $2.0M | $223K | 77.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $1.5M | $164K | 22.2% |
| FCB Banks | 7 | $1.3M | $182K | 42.9% |
| Midwest BankCentre | 7 | $0.7M | $96K | 85.7% |
| Sullivan Bank | 6 | $2.0M | $340K | 100.0% |
| Broker Solutions, Inc. | 6 | $1.1M | $175K | 66.7% |
| Lindell Bank & Trust Company | 5 | $0.9M | $185K | 60.0% |
| Rocket Mortgage, LLC | 5 | $0.5M | $107K | 40.0% |
| Emporium TPO LLC | 4 | $1.0M | $248K | 0.0% |
| Bank Star | 4 | $0.5M | $120K | 50.0% |
| 21st Mortgage Corporation | 4 | $0.4M | $95K | 100.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | $0.8M | $265K | 100.0% |
| DAS Acquisition Company, LLC | 3 | $0.7M | $225K | 100.0% |
| American Bank of Freedom | 3 | $0.6M | $198K | 100.0% |
| U.S. Bank National Association | 3 | $0.5M | $182K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.5M | $155K | 33.3% |
| Stifel Bank and Trust | 3 | $0.5M | $152K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $0.4M | $135K | 0.0% |
561 Missouri loans (3.6%) 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 85 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, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson County, Missouri 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 85 lenders and 273 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 lenders in the Jefferson County, Missouri 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 St. Louis, MO-IL HUD Metro FMR Area.
- 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.