DSCR Loans in Lancaster County, Nebraska
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 104 lenders made 824 investment-property loans in Lancaster County, 21.9% of Nebraska's total. Dominick Prevete arranges DSCR loans across Lancaster County, Nebraska, 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 $235,000.
Lancaster County investor market at a glance
| Statistic | Lancaster County | Nebraska | County rank |
|---|---|---|---|
| Investor loans | 824 | 3,768 | 2nd of 3 |
| Reporting lenders | 104 | 235 | 2nd of 3 |
| Loan volume | $184.1M | $727.8M | 2nd of 3 |
| Average loan | $223K | $193K | 2nd of 3 |
| Median loan | $175K | $155K | 2nd of 3 |
| Purchases | 60.6% | 62.3% | 2nd of 3 |
| Cash-out refinances | 6.6% | 7.5% | 3rd of 3 |
| 2–4 unit properties | 25.1% | 21.9% | 1st of 3 |
| Top five lenders' share | 40.3% | 24.0% | 1st of 3 |
| Reported business-purpose | 51.8% | 54.6% | 3rd of 3 |
Lancaster County: closed-end loans on 1–4 unit investment properties. Lancaster County's rank is highest first, among Nebraska's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lancaster County's investor loans.
What stands out in Lancaster County
51.8% of Lancaster County's investor loans were reported as business-purpose, the lowest share of Nebraska's 3 counties with published data (statewide: 54.6%).
Fewer investor loans here were reported as business-purpose than in most of Nebraska. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
6.6% of Lancaster County's investor loans were cash-out refinances, the lowest share of Nebraska's 3 counties with published data (statewide: 7.5%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
25.1% of Lancaster County's investor loans financed a 2–4 unit property, the highest share of Nebraska's 3 counties with published data (statewide: 21.9%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Does a DSCR loan pencil in Lancaster County?
At HUD's fair market rent of $1,703 for a 3-bedroom in Lancaster County, Nebraska, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Lancaster County's median home value is $275,200; at that price the payment is $1,967 a month, so the property would need $1,975 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) | $1,230 / $1,703 / $1,915 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $275,200 |
| Median property taxes and effective rate | $4,204 (1.53% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,967 |
| Rent needed to cover that payment | $1,975 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $340,000 |
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 Lancaster County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lancaster County?
The most active investment-property lenders in Lancaster County in 2025 HMDA data were Pinnacle Bank, Cattle Bank & Trust and Lincoln FSB of Nebraska, out of 104 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.
Lancaster County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 824 loans and $184.1M from 104 lenders. Pinnacle Bank led Lancaster County with 92 loans, 11.2% of the county's total, and the average Lancaster County loan of $223K compares with $193K across Nebraska.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Pinnacle Bank | 92 | $14.9M | $162K | 56.5% |
| Cattle Bank & Trust | 65 | $11.6M | $179K | 53.8% |
| Lincoln FSB of Nebraska | 62 | $15.1M | $243K | 54.8% |
| CORNHUSKER BANK | 60 | $9.0M | $149K | 45.0% |
| Union Bank and Trust Company | 53 | $11.3M | $214K | 88.7% |
| WEST GATE BANK | 49 | $10.6M | $216K | 65.3% |
| Nebraska Bank of Commerce | 41 | $7.6M | $185K | 73.2% |
| Five Points Bank | 37 | $9.4M | $254K | 94.6% |
| Security First Bank | 24 | $4.2M | $177K | 50.0% |
| Loan Funder LLC | 20 | $3.9M | $194K | 0.0% |
| Exchange Bank | 19 | $3.5M | $183K | 84.2% |
| Frontier Bank | 18 | $3.7M | $204K | 83.3% |
| LIBERTY FIRST CREDIT UNION | 17 | $2.4M | $143K | 70.6% |
| First State Bank Nebraska | 15 | $3.8M | $254K | 60.0% |
| Farmers and Merchants Bank of Ashland | 15 | $2.8M | $189K | 46.7% |
| STATE BANK OF TABLE ROCK | 14 | $2.6M | $185K | 57.1% |
| City Bank & Trust Co. | 10 | $26.8M | $2678K | 40.0% |
| U.S. Bank National Association | 10 | $1.8M | $176K | 70.0% |
| I3 Bank | 10 | $1.6M | $164K | 60.0% |
| LENDINGONE, LLC | 9 | $1.6M | $175K | 22.2% |
| Western National Bank | 9 | $1.2M | $132K | 100.0% |
| United Wholesale Mortgage | 8 | $1.4M | $175K | 37.5% |
| First National Bank of Omaha | 7 | $2.1M | $295K | 85.7% |
| GERSHMAN INVESTMENT CORP. | 7 | $1.3M | $189K | 71.4% |
| Rocket Mortgage, LLC | 7 | $1.2M | $176K | 71.4% |
67 Nebraska loans (1.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lancaster County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lancaster County CSV, all 25 lenders
What Lancaster County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lancaster County's fix-and-flip and bridge lenders barely appear among its 104 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 Lancaster County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lancaster County |
|---|---|---|---|
| Sarpy County, NE | 258 | 82 | About 40 miles away |
| Douglas County, NE | 1,310 | 154 | About 45 miles away |
| Pottawattamie County, IA | 311 | 61 | About 70 miles away |
| Riley County, KS | 159 | 49 | About 105 miles away |
Run the coverage test on your Lancaster County, Nebraska deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lancaster County, Nebraska 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 — Lancaster County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 104 lenders and 824 loans: 2025 HMDA loan-level data rolled up to Lancaster County.
- Lancaster County investor-lender dataset (CSV) — All 25 lenders in the Lancaster County, Nebraska table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lancaster 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 Lincoln, NE HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lancaster 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.