DSCR Loans in Jefferson 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 Jefferson 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, 76 lenders made 437 investment-property loans there, 0.9% of Texas's total; the most active are in the table below.
Jefferson County investor market at a glance
| Statistic | Jefferson County | Texas | County rank |
|---|---|---|---|
| Investor loans | 437 | 49,613 | 25th of 51 |
| Reporting lenders | 76 | 903 | 37th of 51 |
| Loan volume | $64.2M | $13.00B | 34th of 51 |
| Average loan | $147K | $262K | 47th of 51 |
| Median loan | $125K | $205K | 47th of 51 |
| Purchases | 48.1% | 61.7% | 49th of 51 |
| Cash-out refinances | 26.3% | 17.9% | 4th of 51 |
| 2–4 unit properties | 8.7% | 8.8% | 28th of 51 |
| Top five lenders' share | 45.1% | 18.3% | 7th of 51 |
| Reported business-purpose | 75.5% | 68.5% | 5th of 51 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among Texas'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 45.1% of Jefferson County's investor loans, ranking 7th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 45.1% of the loans here, so comparing written term sheets matters more.
The average investor loan in Jefferson County was $147K, ranking 5th lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
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 Neches Federal Credit Union; RF RENOVO MANAGEMENT COMPANY, LLC; and First Financial Bank, out of 76 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: 437 loans and $64.2M from 76 lenders. Neches Federal Credit Union led Jefferson County with 54 loans, 12.4% of the county's total, and the average Jefferson County loan of $147K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Neches Federal Credit Union | 54 | $7.2M | $133K | 37.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 43 | $8.0M | $186K | 51.2% |
| First Financial Bank | 41 | $6.5M | $157K | 73.2% |
| DUGOOD FEDERAL CREDIT UNION | 33 | $4.3M | $129K | 18.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 26 | $3.1M | $118K | 50.0% |
| FIVEPOINT CREDIT UNION | 24 | $2.2M | $90K | 41.7% |
| T2 FINANCIAL LLC | 22 | $2.9M | $130K | 95.5% |
| Kiavi Funding, Inc. | 14 | $2.1M | $148K | 64.3% |
| Emporium TPO LLC | 12 | $1.6M | $130K | 16.7% |
| GULF CREDIT UNION | 11 | $1.0M | $92K | 45.5% |
| DOMINION FINANCIAL SERVICES, LLC | 10 | $2.9M | $285K | 70.0% |
| AMERICAN HERITAGE LENDING, LLC | 10 | $1.0M | $96K | 30.0% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $1.3M | $146K | 22.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 8 | $1.0M | $120K | 0.0% |
| EDUCATION FIRST | 7 | $1.0M | $139K | 85.7% |
| NFM, INC. | 7 | $1.0M | $138K | 0.0% |
| MCT CREDIT UNION | 6 | $0.7M | $123K | 33.3% |
| Loan Funder LLC | 5 | $2.4M | $471K | 40.0% |
| BRIDGE CITY STATE BANK | 5 | $1.0M | $199K | 40.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.3M | $85K | 25.0% |
| Rocket Mortgage, LLC | 4 | $0.3M | $83K | 50.0% |
| Third Coast Bank, SSB | 3 | $1.2M | $392K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $0.7M | $225K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.5M | $172K | 66.7% |
| OCMBC, INC. | 3 | $0.5M | $168K | 0.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for 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 76 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 deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson 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 — Jefferson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 76 lenders and 437 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 Jefferson County lenders in the table, Neches Federal Credit Union 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.