DSCR Loans in Logan County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 63 lenders made 118 investment-property loans in Logan County, 1.1% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Logan County, Oklahoma, 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 $260,000.
Logan County investor market at a glance
| Statistic | Logan County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 118 | 10,662 | 16th of 19 |
| Reporting lenders | 63 | 418 | 8th of 19 |
| Loan volume | $22.8M | $1.93B | 14th of 19 |
| Average loan | $193K | $181K | 4th of 19 |
| Median loan | $160K | $145K | 7th of 19 |
| Purchases | 70.3% | 62.5% | 4th of 19 |
| Cash-out refinances | 7.6% | 8.7% | 9th of 19 |
| 2–4 unit properties | 6.8% | 13.2% | 18th of 19 |
| Top five lenders' share | 30.5% | 21.4% | 15th of 19 |
| Reported business-purpose | 62.7% | 63.5% | 11th of 19 |
Logan County: closed-end loans on 1–4 unit investment properties. Logan County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Logan County's investor loans.
What stands out in Logan County
6.8% of Logan County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Oklahoma's 19 counties with published data (statewide: 13.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
70.3% of Logan County's investor loans were purchases, the 4th-highest share of Oklahoma's 19 counties with published data (statewide: 62.5%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The average investor loan in Logan County was $193K, the 4th-highest average of Oklahoma's 19 counties with published data (statewide: $181K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Logan County?
At HUD's fair market rent of $1,713 for a 3-bedroom in Logan County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Logan County's median home value is $246,700; at that price the payment is $1,609 a month, so the property would need $1,625 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) | $1,264 / $1,713 / $1,923 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $246,700 |
| Median property taxes and effective rate | $1,914 (0.78% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,609 |
| Rent needed to cover that payment | $1,625 |
| Coverage of a 3-bedroom at fair market rent | 1.06 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
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 Logan County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Logan County?
The most active investment-property lenders in Logan County in 2025 HMDA data were BancFirst, F&M Bank and FIRST SECURITY BANK AND TRUST COMPANY, out of 63 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 and matches each file to the one most likely to fund it.
Logan County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 118 loans and $22.8M from 63 lenders. BancFirst led Logan County with 10 loans, 8.5% of the county's total, and the average Logan County loan of $193K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 10 | $2.5M | $249K | 60.0% |
| F&M Bank | 10 | $0.9M | $86K | 20.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 6 | $1.1M | $185K | 100.0% |
| First National Bank and Trust Company of Ardmore | 5 | $1.3M | $263K | 100.0% |
| GUARANTEED RATE, INC. | 5 | $0.8M | $167K | 100.0% |
| Sooner State Bank | 4 | $0.6M | $155K | 100.0% |
| Sovereign Bank | 4 | $0.5M | $123K | 100.0% |
| First Enterprise Bank | 4 | $0.5M | $118K | 25.0% |
| Great Plains National Bank | 3 | $0.9M | $285K | 66.7% |
| InterBank | 3 | $0.5M | $182K | 66.7% |
| 212 LOANS, LLC. | 3 | $0.5M | $158K | 100.0% |
| 21st Mortgage Corporation | 3 | $0.3M | $115K | 100.0% |
| McClain Bank | 2 | $0.6M | $290K | 0.0% |
| FINANCIAL CONCEPTS MORTGAGE, LLC | 2 | $0.5M | $230K | 100.0% |
| OKLAHOMA'S CREDIT UNION | 2 | $0.4M | $200K | 100.0% |
| First United Bank and Trust Company | 2 | $0.4M | $185K | 50.0% |
| Valliance Bank | 2 | $0.3M | $175K | 0.0% |
| The Citizens Bank of Edmond | 2 | $0.3M | $175K | 50.0% |
| Stride Bank, National Association | 2 | $0.3M | $170K | 100.0% |
| The First National Bank and Trust Company of Broken Arrow | 1 | $0.8M | $775K | 100.0% |
| VALOR BANK | 1 | $0.4M | $445K | 100.0% |
| First Pryority Bank | 1 | $0.4M | $435K | 100.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | $0.4M | $425K | 0.0% |
| First Bank & Trust Company | 1 | $0.4M | $385K | 100.0% |
| FUNDLOANS CAPITAL | 1 | $0.3M | $335K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Logan County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Logan County CSV, all 25 lenders
What Logan County's table can't show you: fit. Short-term financing is exempt from HMDA, so Logan County's fix-and-flip and bridge lenders barely appear among its 63 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 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 Logan County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Logan County, Oklahoma 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 — Logan County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 63 lenders and 118 loans: 2025 HMDA loan-level data rolled up to Logan County.
- Logan County investor-lender dataset (CSV) — All 25 lenders in the Logan County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Logan 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 Oklahoma City, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Logan 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.