DSCR Loans in Lehigh 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, 155 lenders made 784 investment-property loans in Lehigh County, 3.2% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Lehigh 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 $320,000.
Lehigh County investor market at a glance
| Statistic | Lehigh County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 784 | 24,181 | 9th of 35 |
| Reporting lenders | 155 | 587 | 6th of 35 |
| Loan volume | $180.1M | $5.10B | 8th of 35 |
| Average loan | $230K | $211K | 10th of 35 |
| Median loan | $205K | $175K | 6th of 35 |
| Purchases | 65.4% | 55.3% | 11th of 35 |
| Cash-out refinances | 19.3% | 21.3% | 12th of 35 |
| 2–4 unit properties | 22.1% | 26.5% | 23rd of 35 |
| Top five lenders' share | 27.0% | 20.4% | 31st of 35 |
| Reported business-purpose | 76.0% | 77.2% | 12th of 35 |
Lehigh County: closed-end loans on 1–4 unit investment properties. Lehigh County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lehigh County's investor loans.
What stands out in Lehigh County
The five most active lenders wrote 27.0% of Lehigh County's investor loans, the 5th-lowest share of Pennsylvania's 35 counties with published data (statewide: 20.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
The median investor loan in Lehigh County was $205K, the 6th-highest median of Pennsylvania's 35 counties with published data (statewide: $175K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Lehigh County?
At HUD's fair market rent of $2,306 for a 3-bedroom in Lehigh County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $320,000, with 20% down at the 7.25% starting rate (November 2026). Lehigh County's median home value is $300,400; at that price the payment is $2,152 a month, so the property would need $2,175 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) | $1,839 / $2,306 / $2,482 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $300,400 |
| Median property taxes and effective rate | $4,651 (1.55% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,152 |
| Rent needed to cover that payment | $2,175 |
| Coverage of a 3-bedroom at fair market rent | 1.07 |
| Highest price a 3-bedroom at fair market rent covers | about $320,000 |
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 Lehigh County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lehigh County?
The most active investment-property lenders in Lehigh County in 2025 HMDA data were Kiavi Funding, Inc.; DHI MORTGAGE COMPANY, LTD.; and CROSSCOUNTRY MORTGAGE, INC., out of 155 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 Lehigh County, and matches each file to the one most likely to fund it.
Lehigh County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 784 loans and $180.1M from 155 lenders. Kiavi Funding, Inc. led Lehigh County with 51 loans, 6.5% of the county's total, and the average Lehigh County loan of $230K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 51 | $10.2M | $200K | 78.4% |
| DHI MORTGAGE COMPANY, LTD. | 48 | $14.5M | $302K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | $8.3M | $198K | 81.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 39 | $7.7M | $197K | 61.5% |
| Embassy Bank For The Lehigh Valley | 32 | $9.2M | $288K | 50.0% |
| Rocket Mortgage, LLC | 18 | $3.2M | $179K | 16.7% |
| New Tripoli Bank | 17 | $6.1M | $360K | 70.6% |
| First Commonwealth Federal Credit Union | 17 | $5.2M | $305K | 23.5% |
| GUILD MORTGAGE COMPANY | 17 | $3.9M | $227K | 94.1% |
| ICE LENDER HOLDINGS LLC | 16 | $3.3M | $204K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 16 | $3.0M | $188K | 37.5% |
| Peoples Security Bank and Trust Company | 13 | $3.7M | $282K | 61.5% |
| CMG MORTGAGE, INC. | 12 | $2.6M | $219K | 66.7% |
| CV3 FINANCIAL SERVICES, LLC | 12 | $2.6M | $213K | 100.0% |
| THE LOAN STORE, INC. | 11 | $2.5M | $231K | 81.8% |
| PENNYMAC LOAN SERVICES, LLC | 10 | $2.8M | $278K | 60.0% |
| First Keystone Community Bank | 10 | $2.4M | $238K | 40.0% |
| Prosperity Home Mortgage, LLC | 10 | $2.2M | $217K | 90.0% |
| Loan Funder LLC | 10 | $2.1M | $213K | 60.0% |
| Wells Fargo Bank, National Association | 10 | $1.5M | $147K | 80.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 9 | $3.0M | $335K | 55.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | $2.3M | $257K | 44.4% |
| KIND LENDING, LLC | 9 | $1.9M | $208K | 44.4% |
| NEWREZ LLC | 9 | $1.8M | $203K | 55.6% |
| American Bank | 9 | $1.7M | $189K | 77.8% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lehigh County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lehigh County CSV, all 25 lenders
What Lehigh County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lehigh County's fix-and-flip and bridge lenders barely appear among its 155 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 Lehigh County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lehigh 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 — Lehigh County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 155 lenders and 784 loans: 2025 HMDA loan-level data rolled up to Lehigh County.
- Lehigh County investor-lender dataset (CSV) — All 25 lenders in the Lehigh County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lehigh 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 Allentown-Bethlehem-Easton, PA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lehigh 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.