DSCR Loans in Lebanon County, Pennsylvania
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)
In 2025 HMDA data, 64 lenders made 232 investment-property loans in Lebanon County, 1.0% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Lebanon County, Pennsylvania, 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 $245,000.
Lebanon County investor market at a glance
| Statistic | Lebanon County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 232 | 24,181 | 22nd of 35 |
| Reporting lenders | 64 | 587 | 25th of 35 |
| Loan volume | $42.6M | $5.10B | 19th of 35 |
| Average loan | $184K | $211K | 18th of 35 |
| Median loan | $165K | $175K | 17th of 35 |
| Purchases | 58.6% | 55.3% | 23rd of 35 |
| Cash-out refinances | 18.5% | 21.3% | 14th of 35 |
| 2–4 unit properties | 29.3% | 26.5% | 12th of 35 |
| Top five lenders' share | 37.1% | 20.4% | 16th of 35 |
| Reported business-purpose | 62.5% | 77.2% | 29th of 35 |
Lebanon County: closed-end loans on 1–4 unit investment properties. Lebanon County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lebanon County's investor loans.
What stands out in Lebanon County
62.5% of Lebanon County's investor loans were reported as business-purpose, the 7th-lowest share of Pennsylvania's 35 counties with published data (statewide: 77.2%).
Fewer investor loans here were reported as business-purpose than in most of Pennsylvania. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Lebanon County's 232 investor loans ranked 22nd of Pennsylvania's 35 counties with published data.
Does a DSCR loan pencil in Lebanon County?
At HUD's fair market rent of $1,742 for a 3-bedroom in Lebanon County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Lebanon County's median home value is $242,000; at that price the payment is $1,697 a month, so the property would need $1,700 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) | $1,353 / $1,742 / $1,894 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $242,000 |
| Median property taxes and effective rate | $3,310 (1.37% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,697 |
| Rent needed to cover that payment | $1,700 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 Lebanon County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lebanon County?
The most active investment-property lenders in Lebanon County in 2025 HMDA data were Bank of Bird-in-Hand; JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA; and CROSSCOUNTRY MORTGAGE, INC., out of 64 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 two that reported in Lebanon County, and matches each file to the one most likely to fund it.
Lebanon County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 232 loans and $42.6M from 64 lenders. Bank of Bird-in-Hand led Lebanon County with 25 loans, 10.8% of the county's total, and the average Lebanon County loan of $184K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Bank of Bird-in-Hand | 25 | $6.0M | $240K | 84.0% |
| JONESTOWN BANK AND TRUST COMPANY OF JONESTOWN PENNSYLVANIA | 25 | $4.1M | $164K | 44.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 18 | $3.7M | $203K | 72.2% |
| Fulton Bank, National Association | 9 | $1.8M | $201K | 88.9% |
| Kiavi Funding, Inc. | 9 | $1.8M | $198K | 33.3% |
| The Ephrata National Bank | 9 | $1.7M | $192K | 77.8% |
| Univest Bank and Trust Co. | 8 | $1.4M | $173K | 75.0% |
| CONSTRUCTIVE LOANS, LLC | 8 | $0.8M | $100K | 62.5% |
| MLD MORTGAGE INC. | 6 | $1.1M | $177K | 66.7% |
| RADIUS FINANCIAL GROUP INC. | 6 | $0.6M | $97K | 16.7% |
| First Citizens Community Bank | 5 | $1.2M | $231K | 60.0% |
| NEWREZ LLC | 5 | $0.9M | $179K | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | $0.9M | $173K | 60.0% |
| Rocket Mortgage, LLC | 5 | $0.8M | $161K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $0.9M | $223K | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.7M | $185K | 75.0% |
| Broker Solutions, Inc. | 4 | $0.6M | $150K | 25.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 4 | $0.6M | $143K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.5M | $123K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.4M | $103K | 25.0% |
| EVERENCE FEDERAL CREDIT UNION | 3 | $0.5M | $158K | 33.3% |
| Fairway Independent Mortgage Corporation | 3 | $0.5M | $158K | 100.0% |
| Lebanon Federal Credit Union | 3 | $0.4M | $148K | 33.3% |
| THE LOAN STORE, INC. | 3 | $0.4M | $122K | 66.7% |
| MEMBERS 1ST | 3 | $0.2M | $75K | 33.3% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lebanon County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lebanon County CSV, all 25 lenders
What Lebanon County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lebanon County's fix-and-flip and bridge lenders barely appear among its 64 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 →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Lebanon County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lebanon County, Pennsylvania 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 — Lebanon County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 64 lenders and 232 loans: 2025 HMDA loan-level data rolled up to Lebanon County.
- Lebanon County investor-lender dataset (CSV) — All 25 lenders in the Lebanon County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lebanon 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 Lebanon, PA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lebanon 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.