DSCR Loans in Liberty County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Liberty County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 60 lenders made 120 investment-property loans there, 0.2% of Texas's total; the most active are in the table below.
Liberty County investor market at a glance
| Statistic | Liberty County | Texas | County rank |
|---|---|---|---|
| Investor loans | 120 | 49,613 | 48th of 51 |
| Reporting lenders | 60 | 903 | 43rd of 51 |
| Loan volume | $23.0M | $13.00B | 48th of 51 |
| Average loan | $192K | $262K | 38th of 51 |
| Median loan | $175K | $205K | 31st of 51 |
| Purchases | 45.8% | 61.7% | 50th of 51 |
| Cash-out refinances | 33.3% | 17.9% | 1st of 51 |
| 2–4 unit properties | 4.2% | 8.8% | 42nd of 51 |
| Top five lenders' share | 29.2% | 18.3% | 26th of 51 |
| Reported business-purpose | 70.8% | 68.5% | 13th of 51 |
Liberty County: closed-end loans on 1–4 unit investment properties. Liberty County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Liberty County's investor loans.
What stands out in Liberty County
33.3% of Liberty County's investor loans were cash-out refinances, the highest share of Texas's 51 counties with published data (statewide: 17.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The five most active lenders wrote 29.2% of Liberty County's investor loans, ranking 26th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 29.2% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Liberty County?
The most active investment-property lenders in Liberty County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; First Liberty Bank; and Hometown Equity Mortgage, LLC, out of 60 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 several that reported in Liberty County, and matches each file to the one most likely to fund it.
Liberty County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 120 loans and $23.0M from 60 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Liberty County with 16 loans, 13.3% of the county's total, and the average Liberty County loan of $192K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | $2.8M | $174K | 50.0% |
| First Liberty Bank | 6 | $0.9M | $152K | 50.0% |
| Hometown Equity Mortgage, LLC | 5 | $1.0M | $205K | 20.0% |
| KIND LENDING, LLC | 4 | $1.1M | $285K | 50.0% |
| CAPITAL CONCEPTS, INC. | 4 | $0.7M | $185K | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | $0.7M | $180K | 25.0% |
| Rocket Mortgage, LLC | 3 | $1.3M | $438K | 33.3% |
| Loan Funder LLC | 3 | $1.3M | $425K | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | $0.7M | $222K | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | $0.6M | $185K | 0.0% |
| Emporium TPO LLC | 3 | $0.6M | $185K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.5M | $175K | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | $0.5M | $152K | 33.3% |
| Kiavi Funding, Inc. | 3 | $0.4M | $145K | 66.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | $0.2M | $82K | 100.0% |
| OCMBC, INC. | 2 | $0.5M | $260K | 0.0% |
| A&D Mortgage LLC | 2 | $0.4M | $205K | 100.0% |
| Loandepot.Com, LLC | 2 | $0.4M | $205K | 100.0% |
| GENWAY HOME MORTGAGE, INC. | 2 | $0.4M | $195K | 100.0% |
| LENNAR MORTGAGE, LLC | 2 | $0.4M | $190K | 100.0% |
| LEI:9845005BP6974AE5D838 | 2 | $0.3M | $175K | 0.0% |
| NexBank | 2 | $0.3M | $170K | 100.0% |
| CMG MORTGAGE, INC. | 2 | $0.3M | $155K | 0.0% |
| 21st Mortgage Corporation | 2 | $0.1M | $50K | 100.0% |
| Prosperity Bank | 1 | $0.4M | $395K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Liberty County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Liberty County CSV, all 25 lenders
What Liberty County's table can't show you: fit. Short-term financing is exempt from HMDA, so Liberty County's fix-and-flip and bridge lenders barely appear among its 60 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 several 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 Liberty County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Liberty County 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 — Liberty County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 60 lenders and 120 loans: 2025 HMDA loan-level data rolled up to Liberty County.
- Liberty County investor-lender dataset (CSV) — All 25 Liberty County lenders in the table, UNITED SHORE FINANCIAL SERVICES, LLC first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.