DSCR Loans in Jefferson County, West Virginia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 53 lenders made 240 investment-property loans in Jefferson County, 11.9% of West Virginia's total. Dominick Prevete arranges DSCR loans across Jefferson County, West Virginia, 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 $295,000.
Jefferson County investor market at a glance
| Statistic | Jefferson County | West Virginia | County rank |
|---|---|---|---|
| Investor loans | 240 | 2,025 | 2nd of 6 |
| Reporting lenders | 53 | 230 | 3rd of 6 |
| Loan volume | $59.6M | $347.7M | 2nd of 6 |
| Average loan | $248K | $172K | 1st of 6 |
| Median loan | $235K | $155K | 1st of 6 |
| Purchases | 89.2% | 68.0% | 1st of 6 |
| Cash-out refinances | 2.9% | 12.0% | 6th of 6 |
| 2–4 unit properties | 2.1% | 17.5% | 6th of 6 |
| Top five lenders' share | 66.7% | 22.6% | 1st of 6 |
| Reported business-purpose | 39.2% | 55.3% | 6th of 6 |
Jefferson County: closed-end loans on 1–4 unit investment properties. Jefferson County's rank is highest first, among West Virginia'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
39.2% of Jefferson County's investor loans were reported as business-purpose, the lowest share of West Virginia's 6 counties with published data (statewide: 55.3%).
Fewer investor loans here were reported as business-purpose than in most of West Virginia. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
2.9% of Jefferson County's investor loans were cash-out refinances, the lowest share of West Virginia's 6 counties with published data (statewide: 12.0%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in Jefferson County was $235K, the highest median of West Virginia's 6 counties with published data (statewide: $155K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Jefferson County?
At HUD's fair market rent of $1,879 for a 3-bedroom in Jefferson County, West Virginia, a rental covers its full DSCR payment up to a purchase price of about $295,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson County's median home value is $350,800; at that price the payment is $2,215 a month, so the property would need $2,225 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) | $1,376 / $1,879 / $2,300 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $350,800 |
| Median property taxes and effective rate | $1,857 (0.53% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,215 |
| Rent needed to cover that payment | $2,225 |
| Coverage of a 3-bedroom at fair market rent | 0.85 |
| Highest price a 3-bedroom at fair market rent covers | about $295,000 |
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 LENNAR MORTGAGE, LLC; United Nations Federal Credit Union; and First Heritage Mortgage, LLC, out of 53 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.
Jefferson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 240 loans and $59.6M from 53 lenders. LENNAR MORTGAGE, LLC led Jefferson County with 120 loans, 50.0% of the county's total, and the average Jefferson County loan of $248K compares with $172K across West Virginia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 120 | $27.5M | $229K | 100.0% |
| United Nations Federal Credit Union | 12 | $2.9M | $238K | 58.3% |
| First Heritage Mortgage, LLC | 12 | $2.5M | $207K | 100.0% |
| Atlantic Coast Mortgage, LLC | 9 | $2.4M | $268K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $1.8M | $255K | 100.0% |
| Jefferson Security Bank | 7 | $1.5M | $208K | 71.4% |
| City National Bank of West Virginia | 5 | $1.2M | $235K | 80.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $1.1M | $378K | 66.7% |
| GUARANTEED RATE, INC. | 3 | $1.0M | $345K | 100.0% |
| NEWREZ LLC | 3 | $0.9M | $305K | 100.0% |
| Bank of Charles Town | 3 | $0.9M | $298K | 100.0% |
| THE LOAN STORE, INC. | 3 | $0.8M | $262K | 33.3% |
| City Lending Inc. | 3 | $0.6M | $208K | 100.0% |
| United Bank | 2 | $2.0M | $980K | 100.0% |
| KIND LENDING, LLC | 2 | $0.7M | $355K | 50.0% |
| NFM, INC. | 2 | $0.6M | $295K | 50.0% |
| GUILD MORTGAGE COMPANY | 2 | $0.6M | $280K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.6M | $275K | 100.0% |
| RMC HOME MORTGAGE, LLC | 2 | $0.5M | $270K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.5M | $235K | 50.0% |
| United Wholesale Mortgage | 2 | $0.5M | $230K | 50.0% |
| Loandepot.Com, LLC | 2 | $0.4M | $200K | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | $0.4M | $195K | 100.0% |
| OAKTREE FUNDING CORP. | 1 | $0.6M | $645K | 0.0% |
| Integrity Home Mortgage Corporation | 1 | $0.5M | $475K | 100.0% |
63 West Virginia loans (3.1%) 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 November 11, 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 53 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 Jefferson County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Jefferson County |
|---|---|---|---|
| Berkeley County, WV | 381 | 88 | Borders Jefferson County |
| Washington County, MD | 241 | 82 | Borders Jefferson County |
| Loudoun County, VA | 423 | 128 | Borders Jefferson County |
| Frederick County, VA | 249 | 81 | Borders Jefferson County |
Run the coverage test on your Jefferson County, West Virginia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson County, West Virginia 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 53 lenders and 240 loans: 2025 HMDA loan-level data rolled up to Jefferson County.
- Jefferson County investor-lender dataset (CSV) — All 25 lenders in the Jefferson County, West Virginia 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 Jefferson County, WV 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.