DSCR Loans in Kansas
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)
Dominick Prevete arranges DSCR loans across Kansas, 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. In 2025 HMDA data, 354 lenders made 6,189 investment-property loans in Kansas; the most active are in the table below, and 9 counties have their own page.
Kansas investor market at a glance
| Statistic | Kansas | National | State rank |
|---|---|---|---|
| Investor loans | 6,189 | 553,332 | 28th of 51 |
| Reporting lenders | 354 | 4,120 | 27th of 51 |
| Loan volume | $1.11B | $190.57B | 34th of 51 |
| Average loan | $180K | $344K | 46th of 51 |
| Median loan | $135K | — | 46th of 51 |
| Purchases | 57.5% | 59.2% | 36th of 51 |
| Cash-out refinances | 11.8% | 18.8% | 41st of 51 |
| 2–4 unit properties | 20.4% | 17.3% | 19th of 51 |
| Top five lenders' share | 18.4% | 21.9% | 40th of 51 |
| Reported business-purpose | 58.9% | 70.8% | 44th of 51 |
Kansas: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Kansas
The median investor loan in Kansas was $135K, the 4th-lowest median of the 50 states and DC.
Loans here run small. DSCR loans Dominick arranges start at $75,000.
58.9% of Kansas's investor loans were reported as business-purpose, the 8th-lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
11.8% of Kansas's investor loans were cash-out refinances, the 11th-lowest share of the 50 states and DC (national figure: 18.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Who are the DSCR and investment-property lenders in Kansas?
The most active investment-property lenders in Kansas in 2025 HMDA data were Peoples Bank and Trust Company, MERITRUST Federal Credit Union and Community National Bank & Trust, out of 354 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 several that reported in Kansas, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Kansas's 2025 filings to closed-end loans on 1–4 unit investment properties: 6,189 loans totaling $1.11B across 354 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Peoples Bank and Trust Company | 315 | $50.9M | $162K | 56.8% |
| MERITRUST Federal Credit Union | 236 | $27.0M | $114K | 11.4% |
| Community National Bank & Trust | 218 | $24.0M | $110K | 58.7% |
| Kiavi Funding, Inc. | 205 | $44.1M | $215K | 82.9% |
| Mid-America Bank | 166 | $36.4M | $220K | 71.1% |
| United Wholesale Mortgage | 135 | $21.4M | $158K | 59.3% |
| Legacy Bank | 127 | $26.9M | $212K | 76.4% |
| COMMUNITYAMERICA FEDERAL CREDIT UNION | 120 | $25.5M | $212K | 85.0% |
| Landmark National Bank | 102 | $13.6M | $133K | 81.4% |
| Equity Bank | 94 | $14.6M | $156K | 41.5% |
| BPL MORTGAGE TRUST, LLC | 92 | $13.0M | $141K | 25.0% |
| KS StateBank | 92 | $12.7M | $138K | 55.4% |
| Emprise Bank | 88 | $15.9M | $181K | 70.5% |
| Rocket Mortgage, LLC | 86 | $13.4M | $156K | 38.4% |
| MERITRUST CREDIT UNION | 85 | $9.7M | $114K | 16.5% |
| Fairway Independent Mortgage Corporation | 81 | $17.0M | $210K | 84.0% |
| Silver Lake Bank | 81 | $11.5M | $142K | 56.8% |
| Heritage Bank | 70 | $9.7M | $138K | 68.6% |
| Union State Bank | 69 | $9.1M | $132K | 53.6% |
| The First National Bank of Hutchinson | 66 | $8.5M | $128K | 68.2% |
| THE STOCK EXCHANGE BANK, CALDWELL, KANSAS | 61 | $8.2M | $134K | 42.6% |
| The Bennington State Bank | 59 | $7.8M | $132K | 59.3% |
| THE LOAN STORE, INC. | 57 | $12.3M | $216K | 70.2% |
| Community National Bank | 57 | $9.1M | $160K | 71.9% |
| Envista Credit Union | 57 | $7.2M | $126K | 68.4% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 354 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Kansas lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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 →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.
DSCR loans by county in Kansas
Each county page compares the county's 2025 HMDA investor-lending figures with Kansas's and names its most active lenders. Counties are listed by investor loan count.
9 Kansas counties have their own page so far.
- Sedgwick County1,658 loans
- Johnson County922 loans
- Wyandotte County483 loans
- Shawnee County482 loans
- Douglas County306 loans
- Butler County228 loans
- Reno County173 loans
- Riley County159 loans
- Leavenworth County131 loans
- Crawford County (fewer than 25 reporting lenders in 2025)100 loans
- Harvey County (fewer than 100 investor loans in 2025)99 loans
- Cowley County (fewer than 100 investor loans in 2025)74 loans
- Geary County (fewer than 100 investor loans in 2025)64 loans
- Franklin County (fewer than 100 investor loans in 2025)63 loans
- Pottawatomie County (fewer than 100 investor loans in 2025)63 loans
- Miami County (fewer than 100 investor loans in 2025)53 loans
- Saline County (fewer than 100 investor loans in 2025)53 loans
- Lyon County (fewer than 100 investor loans in 2025)47 loans
- McPherson County (fewer than 100 investor loans in 2025)46 loans
- Atchison County (fewer than 100 investor loans in 2025)45 loans
- Jefferson County (fewer than 100 investor loans in 2025)42 loans
- Sumner County (fewer than 100 investor loans in 2025)39 loans
- Barton County (fewer than 100 investor loans in 2025)38 loans
- Labette County (fewer than 100 investor loans in 2025)38 loans
- Cherokee County (fewer than 100 investor loans in 2025)37 loans
- Montgomery County (fewer than 100 investor loans in 2025)36 loans
- Osage County (fewer than 100 investor loans in 2025)36 loans
- Bourbon County (fewer than 100 investor loans in 2025)27 loans
- Seward County (fewer than 100 investor loans in 2025)24 loans
- Wabaunsee County (fewer than 100 investor loans in 2025)24 loans
- Cloud County (fewer than 100 investor loans in 2025)23 loans
- Ford County (fewer than 100 investor loans in 2025)23 loans
- Jackson County (fewer than 100 investor loans in 2025)21 loans
- Neosho County (fewer than 100 investor loans in 2025)21 loans
- Allen County (fewer than 100 investor loans in 2025)19 loans
- Dickinson County (fewer than 100 investor loans in 2025)19 loans
- Ellis County (fewer than 100 investor loans in 2025)19 loans
- Wilson County (fewer than 100 investor loans in 2025)19 loans
- Linn County (fewer than 100 investor loans in 2025)18 loans
- Clay County (fewer than 100 investor loans in 2025)17 loans
- Morris County (fewer than 100 investor loans in 2025)15 loans
- Finney County (fewer than 100 investor loans in 2025)13 loans
- Marion County (fewer than 100 investor loans in 2025)12 loans
- Rice County (fewer than 100 investor loans in 2025)12 loans
- Anderson County (fewer than 100 investor loans in 2025)10 loans
- Coffey County (fewer than 100 investor loans in 2025)10 loans
- Doniphan County (fewer than 100 investor loans in 2025)10 loans
- Greenwood County (fewer than 100 investor loans in 2025)10 loans
- Pawnee County (fewer than 100 investor loans in 2025)10 loans
- Brown County (fewer than 100 investor loans in 2025)8 loans
- Chautauqua County (fewer than 100 investor loans in 2025)8 loans
- Harper County (fewer than 100 investor loans in 2025)8 loans
- Kingman County (fewer than 100 investor loans in 2025)8 loans
- Nemaha County (fewer than 100 investor loans in 2025)8 loans
- Ottawa County (fewer than 100 investor loans in 2025)8 loans
- Thomas County (fewer than 100 investor loans in 2025)8 loans
- Woodson County (fewer than 100 investor loans in 2025)8 loans
- Sheridan County (fewer than 100 investor loans in 2025)7 loans
- Barber County (fewer than 100 investor loans in 2025)6 loans
- Rush County (fewer than 100 investor loans in 2025)6 loans
- Washington County (fewer than 100 investor loans in 2025)6 loans
- Ness County (fewer than 100 investor loans in 2025)5 loans
- Stevens County (fewer than 100 investor loans in 2025)5 loans
- Chase County (fewer than 100 investor loans in 2025)4 loans
- Elk County (fewer than 100 investor loans in 2025)4 loans
- Gove County (fewer than 100 investor loans in 2025)4 loans
- Norton County (fewer than 100 investor loans in 2025)4 loans
- Pratt County (fewer than 100 investor loans in 2025)4 loans
- Sherman County (fewer than 100 investor loans in 2025)4 loans
- Smith County (fewer than 100 investor loans in 2025)4 loans
- Marshall County (fewer than 100 investor loans in 2025)3 loans
- Osborne County (fewer than 100 investor loans in 2025)3 loans
- Grant County (fewer than 100 investor loans in 2025)2 loans
- Gray County (fewer than 100 investor loans in 2025)2 loans
- Greeley County (fewer than 100 investor loans in 2025)2 loans
- Lincoln County (fewer than 100 investor loans in 2025)2 loans
- Logan County (fewer than 100 investor loans in 2025)2 loans
- Phillips County (fewer than 100 investor loans in 2025)2 loans
- Republic County (fewer than 100 investor loans in 2025)2 loans
- Rooks County (fewer than 100 investor loans in 2025)2 loans
- Edwards County (fewer than 100 investor loans in 2025)1 loans
- Ellsworth County (fewer than 100 investor loans in 2025)1 loans
- Graham County (fewer than 100 investor loans in 2025)1 loans
- Hodgeman County (fewer than 100 investor loans in 2025)1 loans
- Jewell County (fewer than 100 investor loans in 2025)1 loans
- Rawlins County (fewer than 100 investor loans in 2025)1 loans
- Russell County (fewer than 100 investor loans in 2025)1 loans
- Scott County (fewer than 100 investor loans in 2025)1 loans
- Stafford County (fewer than 100 investor loans in 2025)1 loans
- Trego County (fewer than 100 investor loans in 2025)1 loans
Run the coverage test on your Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Kansas 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 — Kansas's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 354 lenders and 6,189 loans: 2025 HMDA loan-level data.
- Kansas investor-lender dataset (CSV) — Every Kansas lender behind the table above, with volume, average loan and purchase share for each.
- Kansas investor lending data, Dominick Prevete — The Kansas table on its own, with the state's concentration figures and the method behind them.
- 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.