DSCR Loans in Leavenworth County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 57 lenders made 131 investment-property loans in Leavenworth County, 2.1% of Kansas's total. Dominick Prevete arranges DSCR loans across Leavenworth County, 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. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $290,000.
Leavenworth County investor market at a glance
| Statistic | Leavenworth County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 131 | 6,189 | 9th of 9 |
| Reporting lenders | 57 | 354 | 5th of 9 |
| Loan volume | $25.2M | $1.11B | 8th of 9 |
| Average loan | $192K | $180K | 3rd of 9 |
| Median loan | $165K | $135K | 3rd of 9 |
| Purchases | 57.3% | 57.5% | 5th of 9 |
| Cash-out refinances | 13.7% | 11.8% | 4th of 9 |
| 2–4 unit properties | 15.3% | 20.4% | 8th of 9 |
| Top five lenders' share | 32.8% | 18.4% | 8th of 9 |
| Reported business-purpose | 48.1% | 58.9% | 7th of 9 |
Leavenworth County: closed-end loans on 1–4 unit investment properties. Leavenworth County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Leavenworth County's investor loans.
What stands out in Leavenworth County
15.3% of Leavenworth County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Kansas's 9 counties with published data (statewide: 20.4%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 32.8% of Leavenworth County's investor loans, the 2nd-lowest share of Kansas's 9 counties with published data (statewide: 18.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Leavenworth County?
At HUD's fair market rent of $2,020 for a 3-bedroom in Leavenworth County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $290,000, with 20% down at the 7.25% starting rate (November 2026). Leavenworth County's median home value is $282,900; at that price the payment is $1,947 a month, so the property would need $1,950 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,546 / $2,020 / $2,419 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $282,900 |
| Median property taxes and effective rate | $3,424 (1.21% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,947 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 1.04 |
| Highest price a 3-bedroom at fair market rent covers | about $290,000 |
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 Leavenworth County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Leavenworth County?
The most active investment-property lenders in Leavenworth County in 2025 HMDA data were First State Bank and Trust, First National Bank of Omaha and Mutual Savings Association, out of 57 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 one that reported in Leavenworth County, and matches each file to the one most likely to fund it.
Leavenworth County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 131 loans and $25.2M from 57 lenders. First State Bank and Trust led Leavenworth County with 11 loans, 8.4% of the county's total, and the average Leavenworth County loan of $192K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First State Bank and Trust | 11 | $2.4M | $220K | 36.4% |
| First National Bank of Omaha | 9 | $1.2M | $128K | 22.2% |
| Mutual Savings Association | 8 | $1.8M | $229K | 62.5% |
| Exchange Bank & Trust | 8 | $0.9M | $109K | 87.5% |
| Kiavi Funding, Inc. | 7 | $1.2M | $175K | 85.7% |
| First State Bank of St. Charles, Missouri | 6 | $1.7M | $285K | 66.7% |
| Citizens Federal Savings Bank | 5 | $1.2M | $247K | 80.0% |
| COMMUNITYAMERICA FEDERAL CREDIT UNION | 5 | $0.6M | $123K | 60.0% |
| Community National Bank | 4 | $1.3M | $323K | 75.0% |
| GENWAY HOME MORTGAGE, INC. | 4 | $0.9M | $235K | 100.0% |
| Emporium TPO LLC | 4 | $0.6M | $155K | 25.0% |
| Rocket Mortgage, LLC | 3 | $0.5M | $158K | 0.0% |
| The Citizens National Bank | 3 | $0.4M | $145K | 100.0% |
| Great American Bank | 2 | $1.1M | $540K | 100.0% |
| Mid-America Bank | 2 | $0.7M | $335K | 50.0% |
| GUARANTEED RATE, INC. | 2 | $0.5M | $250K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.4M | $205K | 50.0% |
| United Wholesale Mortgage | 2 | $0.4M | $185K | 100.0% |
| Navy Federal Credit Union | 2 | $0.3M | $175K | 50.0% |
| NBKC BANK | 2 | $0.3M | $170K | 50.0% |
| NATIONSTAR MORTGAGE LLC | 2 | $0.3M | $160K | 50.0% |
| Waterstone Mortgage Corporation | 2 | $0.3M | $155K | 50.0% |
| Community First National Bank | 2 | $0.3M | $150K | 100.0% |
| GNBank, National Association | 1 | $0.4M | $355K | 0.0% |
| Outdoor Bank | 1 | $0.3M | $335K | 100.0% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Leavenworth County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Leavenworth County CSV, all 25 lenders
What Leavenworth County's table can't show you: fit. Short-term financing is exempt from HMDA, so Leavenworth County's fix-and-flip and bridge lenders barely appear among its 57 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 →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 Leavenworth County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Leavenworth County |
|---|---|---|---|
| Platte County, MO | 145 | 60 | Borders Leavenworth County |
| Wyandotte County, KS | 483 | 109 | Borders Leavenworth County |
| Douglas County, KS | 306 | 74 | Borders Leavenworth County |
| Johnson County, KS | 922 | 171 | Borders Leavenworth County |
| Buchanan County, MO | 197 | 49 | About 35 miles away |
| Shawnee County, KS | 482 | 57 | About 40 miles away |
| Riley County, KS | 159 | 49 | About 90 miles away |
Run the coverage test on your Leavenworth County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Leavenworth County, 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 — Leavenworth County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 57 lenders and 131 loans: 2025 HMDA loan-level data rolled up to Leavenworth County.
- Leavenworth County investor-lender dataset (CSV) — All 25 lenders in the Leavenworth County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Leavenworth 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 Kansas City, MO-KS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Leavenworth 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.