DSCR Loans in Licking County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 85 lenders made 303 investment-property loans in Licking County, 1.4% of Ohio's total. Dominick Prevete arranges DSCR loans across Licking County, Ohio, 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 $275,000.
Licking County investor market at a glance
| Statistic | Licking County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 303 | 21,703 | 11th of 30 |
| Reporting lenders | 85 | 551 | 11th of 30 |
| Loan volume | $73.2M | $3.64B | 9th of 30 |
| Average loan | $242K | $168K | 2nd of 30 |
| Median loan | $185K | $135K | 4th of 30 |
| Purchases | 60.4% | 59.1% | 17th of 30 |
| Cash-out refinances | 18.8% | 20.0% | 18th of 30 |
| 2–4 unit properties | 19.5% | 23.7% | 21st of 30 |
| Top five lenders' share | 36.3% | 28.8% | 19th of 30 |
| Reported business-purpose | 75.6% | 76.4% | 11th of 30 |
Licking County: closed-end loans on 1–4 unit investment properties. Licking County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Licking County's investor loans.
What stands out in Licking County
The average investor loan in Licking County was $242K, the 2nd-highest average of Ohio's 30 counties with published data (statewide: $168K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Licking County's 303 investor loans ranked 11th of Ohio's 30 counties with published data.
Does a DSCR loan pencil in Licking County?
At HUD's fair market rent of $1,909 for a 3-bedroom in Licking County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $275,000, with 20% down at the 7.25% starting rate (November 2026). Licking County's median home value is $275,200; at that price the payment is $1,897 a month, so the property would need $1,900 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) | $1,602 / $1,909 / $2,172 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $275,200 |
| Median property taxes and effective rate | $3,364 (1.22% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,897 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 1.01 |
| Highest price a 3-bedroom at fair market rent covers | about $275,000 |
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 Licking County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Licking County?
The most active investment-property lenders in Licking County in 2025 HMDA data were The Community Bank; First Federal Savings and Loan Association; and RMC HOME MORTGAGE, LLC, out of 85 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 Licking County, and matches each file to the one most likely to fund it.
Licking County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 303 loans and $73.2M from 85 lenders. The Community Bank led Licking County with 32 loans, 10.6% of the county's total, and the average Licking County loan of $242K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Community Bank | 32 | $5.4M | $169K | 56.2% |
| First Federal Savings and Loan Association | 25 | $5.3M | $213K | 52.0% |
| RMC HOME MORTGAGE, LLC | 20 | $4.6M | $231K | 100.0% |
| Kiavi Funding, Inc. | 19 | $4.2M | $220K | 68.4% |
| The Park National Bank | 14 | $4.9M | $353K | 57.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $2.5M | $224K | 63.6% |
| BPL MORTGAGE TRUST, LLC | 9 | $1.7M | $187K | 0.0% |
| PEOPLES STATE BANK | 8 | $2.0M | $249K | 75.0% |
| MM LENDING, LLC | 8 | $1.4M | $179K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 7 | $2.1M | $302K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $1.0M | $149K | 0.0% |
| North Valley Bank | 6 | $1.5M | $247K | 83.3% |
| Union Savings Bank | 6 | $1.3M | $208K | 83.3% |
| The Huntington National Bank | 6 | $1.2M | $200K | 100.0% |
| EQUITY RESOURCES, INC. | 6 | $0.9M | $157K | 66.7% |
| CV3 FINANCIAL SERVICES, LLC | 5 | $1.4M | $289K | 100.0% |
| LOWER, LLC | 5 | $1.2M | $235K | 80.0% |
| NFM, INC. | 5 | $1.2M | $233K | 80.0% |
| THE HOME LOAN SAVINGS BANK | 4 | $6.7M | $1670K | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $1.2M | $308K | 50.0% |
| Rocket Mortgage, LLC | 4 | $1.0M | $253K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.7M | $175K | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | $0.8M | $278K | 66.7% |
| NEWREZ LLC | 3 | $0.6M | $202K | 100.0% |
| Easy Street Capital, LLC | 3 | $0.5M | $175K | 0.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Licking County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Licking County CSV, all 25 lenders
What Licking County's table can't show you: fit. Short-term financing is exempt from HMDA, so Licking County's fix-and-flip and bridge lenders barely appear among its 85 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 Licking County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Licking County, Ohio 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 — Licking County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 85 lenders and 303 loans: 2025 HMDA loan-level data rolled up to Licking County.
- Licking County investor-lender dataset (CSV) — All 25 lenders in the Licking County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Licking 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 Columbus, OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Licking 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.