DSCR Loans in Lewis County, Washington
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, 50 lenders made 104 investment-property loans in Lewis County, 1.0% of Washington's total. Dominick Prevete arranges DSCR loans across Lewis County, Washington, 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.
Lewis County investor market at a glance
| Statistic | Lewis County | Washington | County rank |
|---|---|---|---|
| Investor loans | 104 | 9,950 | 17th of 17 |
| Reporting lenders | 50 | 382 | 14th of 17 |
| Loan volume | $37.0M | $4.66B | 15th of 17 |
| Average loan | $356K | $468K | 10th of 17 |
| Median loan | $325K | $395K | 10th of 17 |
| Purchases | 38.5% | 53.8% | 17th of 17 |
| Cash-out refinances | 32.7% | 18.8% | 1st of 17 |
| 2–4 unit properties | 19.2% | 13.9% | 6th of 17 |
| Top five lenders' share | 26.9% | 20.1% | 13th of 17 |
| Reported business-purpose | 79.8% | 74.8% | 2nd of 17 |
Lewis County: closed-end loans on 1–4 unit investment properties. Lewis County's rank is highest first, among Washington's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lewis County's investor loans.
What stands out in Lewis County
32.7% of Lewis County's investor loans were cash-out refinances, the highest share of Washington's 17 counties with published data (statewide: 18.8%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
38.5% of Lewis County's investor loans were purchases, the lowest share of Washington's 17 counties with published data (statewide: 53.8%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Lewis County ranks 2nd-highest of Washington's 17 counties with published data (statewide: 74.8%).
79.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Lewis County?
At HUD's fair market rent of $1,870 for a 3-bedroom in Lewis County, Washington, 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). Lewis County's median home value is $385,800; at that price the payment is $2,481 a month, so the property would need $2,500 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) | $1,435 / $1,870 / $2,177 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $385,800 |
| Median property taxes and effective rate | $2,581 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,481 |
| Rent needed to cover that payment | $2,500 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $290,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $445,000 |
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 Lewis County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lewis County?
The most active investment-property lenders in Lewis County in 2025 HMDA data were OAKTREE FUNDING CORP.; UNITED SHORE FINANCIAL SERVICES, LLC; and ANGEL OAK MORTGAGE SOLUTIONS LLC, out of 50 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 Lewis County, and matches each file to the one most likely to fund it.
Lewis County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 104 loans and $37.0M from 50 lenders. OAKTREE FUNDING CORP. led Lewis County with 7 loans, 6.7% of the county's total, and the average Lewis County loan of $356K compares with $468K across Washington.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| OAKTREE FUNDING CORP. | 7 | $5.0M | $711K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $2.1M | $353K | 16.7% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | $2.1M | $347K | 0.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.1M | $213K | 20.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $1.3M | $323K | 50.0% |
| THE LOAN STORE, INC. | 4 | $1.3M | $313K | 50.0% |
| GESA | 3 | $1.5M | $502K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $1.5M | $488K | 66.7% |
| SAMMAMISH MORTGAGE COMPANY | 3 | $1.2M | $395K | 100.0% |
| Citadel Servicing Corporation | 3 | $1.1M | $375K | 33.3% |
| Rocket Mortgage, LLC | 3 | $0.9M | $305K | 66.7% |
| Kiavi Funding, Inc. | 3 | $0.9M | $288K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.7M | $248K | 33.3% |
| Eastside Funding LLC | 3 | $0.4M | $135K | 66.7% |
| ARC HOME LLC | 2 | $1.0M | $505K | 50.0% |
| RESICENTRAL, LLC | 2 | $0.9M | $470K | 100.0% |
| KeyBank National Association | 2 | $0.9M | $450K | 0.0% |
| Timberland Bank | 2 | $0.8M | $420K | 0.0% |
| U.S. Bank National Association | 2 | $0.8M | $385K | 100.0% |
| OCMBC, INC. | 2 | $0.7M | $365K | 0.0% |
| NEWREZ LLC | 2 | $0.7M | $355K | 50.0% |
| CV3 FINANCIAL SERVICES, LLC | 2 | $0.6M | $305K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.5M | $235K | 0.0% |
| Loandepot.Com, LLC | 2 | $0.5M | $230K | 0.0% |
| SUMMIT FUNDING, INC. | 2 | $0.4M | $210K | 0.0% |
505 Washington loans (5.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lewis County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lewis County CSV, all 25 lenders
What Lewis County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lewis County's fix-and-flip and bridge lenders barely appear among its 50 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 Lewis County, Washington deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lewis County, Washington 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 — Lewis County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 50 lenders and 104 loans: 2025 HMDA loan-level data rolled up to Lewis County.
- Lewis County investor-lender dataset (CSV) — All 25 lenders in the Lewis County, Washington table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lewis 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 Lewis County, WA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lewis 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.