DSCR Loans in La Crosse County, Wisconsin
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 49 lenders made 250 investment-property loans in La Crosse County, 2.8% of Wisconsin's total. Dominick Prevete arranges DSCR loans across La Crosse County, Wisconsin, 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 $240,000.
La Crosse County investor market at a glance
| Statistic | La Crosse County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 250 | 8,874 | 7th of 17 |
| Reporting lenders | 49 | 462 | 14th of 17 |
| Loan volume | $50.2M | $1.96B | 8th of 17 |
| Average loan | $201K | $221K | 9th of 17 |
| Median loan | $175K | $175K | 7th of 17 |
| Purchases | 57.6% | 59.3% | 11th of 17 |
| Cash-out refinances | 13.6% | 16.9% | 10th of 17 |
| 2–4 unit properties | 40.0% | 41.0% | 9th of 17 |
| Top five lenders' share | 51.6% | 14.2% | 4th of 17 |
| Reported business-purpose | 50.0% | 66.8% | 17th of 17 |
La Crosse County: closed-end loans on 1–4 unit investment properties. La Crosse County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of La Crosse County's investor loans.
What stands out in La Crosse County
50.0% of La Crosse County's investor loans were reported as business-purpose, the lowest share of Wisconsin's 17 counties with published data (statewide: 66.8%).
Fewer investor loans here were reported as business-purpose than in most of Wisconsin. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 51.6% of La Crosse County's investor loans, the 4th-highest share of Wisconsin's 17 counties with published data (statewide: 14.2%).
Five lenders write 51.6% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in La Crosse County?
At HUD's fair market rent of $1,721 for a 3-bedroom in La Crosse County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). La Crosse County's median home value is $257,000; at that price the payment is $1,839 a month, so the property would need $1,850 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) | $1,343 / $1,721 / $2,167 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $257,000 |
| Median property taxes and effective rate | $3,947 (1.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,839 |
| Rent needed to cover that payment | $1,850 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
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 La Crosse County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in La Crosse County?
The most active investment-property lenders in La Crosse County in 2025 HMDA data were ALTRA Federal Credit Union, The First National Bank Of Bangor and FIREFIGHTERS CREDIT UNION, out of 49 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.
La Crosse County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 250 loans and $50.2M from 49 lenders. ALTRA Federal Credit Union led La Crosse County with 45 loans, 18.0% of the county's total, and the average La Crosse County loan of $201K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| ALTRA Federal Credit Union | 45 | $7.5M | $167K | 33.3% |
| The First National Bank Of Bangor | 32 | $6.0M | $187K | 75.0% |
| FIREFIGHTERS CREDIT UNION | 22 | $3.7M | $170K | 59.1% |
| WNB FINANCIAL, N.A. | 16 | $3.1M | $196K | 68.8% |
| Merchants Bank, National Association | 14 | $3.0M | $211K | 78.6% |
| CO-OP Credit Union | 13 | $3.7M | $282K | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 12 | $2.4M | $199K | 66.7% |
| Citizens State Bank of La Crosse | 9 | $1.5M | $172K | 66.7% |
| State Bank Financial | 8 | $1.8M | $228K | 87.5% |
| River Bank | 8 | $1.4M | $174K | 100.0% |
| ESB Bank | 6 | $3.1M | $517K | 50.0% |
| VERVE, A CREDIT UNION | 6 | $0.8M | $142K | 0.0% |
| Union State Bank | 5 | $1.2M | $249K | 100.0% |
| Citizens Community Federal National Association | 5 | $1.1M | $225K | 100.0% |
| Park Bank | 5 | $0.6M | $117K | 100.0% |
| Citizens First Bank | 4 | $0.8M | $208K | 100.0% |
| Bluff View Bank | 2 | $0.5M | $230K | 50.0% |
| U.S. Bank National Association | 2 | $0.4M | $210K | 50.0% |
| Peoples State Bank | 2 | $0.4M | $190K | 100.0% |
| WESTCONSIN Credit Union | 2 | $0.4M | $185K | 0.0% |
| Servion, Inc. | 2 | $0.3M | $165K | 50.0% |
| UNION HOME MORTGAGE CORP. | 2 | $0.3M | $160K | 0.0% |
| MARINE CREDIT UNION | 2 | $0.1M | $45K | 0.0% |
| COMPEER FINANCIAL, FLCA | 1 | $0.9M | $875K | 100.0% |
| Bank First, N.A. | 1 | $0.7M | $655K | 0.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for La Crosse County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · La Crosse County CSV, all 25 lenders
What La Crosse County's table can't show you: fit. Short-term financing is exempt from HMDA, so La Crosse County's fix-and-flip and bridge lenders barely appear among its 49 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 La Crosse County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from La Crosse County |
|---|---|---|---|
| Eau Claire County, WI | 172 | 38 | About 55 miles away |
| Olmsted County, MN | 248 | 71 | About 65 miles away |
| Marathon County, WI | 193 | 42 | About 95 miles away |
| Dane County, WI | 637 | 103 | About 105 miles away |
Run the coverage test on your La Crosse County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a La Crosse County, Wisconsin 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 — La Crosse County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 49 lenders and 250 loans: 2025 HMDA loan-level data rolled up to La Crosse County.
- La Crosse County investor-lender dataset (CSV) — All 25 lenders in the La Crosse County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — La Crosse 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 La Crosse-Onalaska, WI-MN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — La Crosse 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.