DSCR Loans in Lubbock County, Texas
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)
Dominick Prevete arranges DSCR loans across Lubbock 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, 158 lenders made 1,112 investment-property loans there, 2.2% of Texas's total; the most active are in the table below.
Lubbock County investor market at a glance
| Statistic | Lubbock County | Texas | County rank |
|---|---|---|---|
| Investor loans | 1,112 | 49,613 | 11th of 51 |
| Reporting lenders | 158 | 903 | 14th of 51 |
| Loan volume | $184.3M | $13.00B | 14th of 51 |
| Average loan | $166K | $262K | 45th of 51 |
| Median loan | $155K | $205K | 41st of 51 |
| Purchases | 72.5% | 61.7% | 9th of 51 |
| Cash-out refinances | 12.9% | 17.9% | 37th of 51 |
| 2–4 unit properties | 10.9% | 8.8% | 18th of 51 |
| Top five lenders' share | 33.5% | 18.3% | 21st of 51 |
| Reported business-purpose | 65.8% | 68.5% | 27th of 51 |
Lubbock County: closed-end loans on 1–4 unit investment properties. Lubbock County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lubbock County's investor loans.
What stands out in Lubbock County
The five most active lenders wrote 33.5% of Lubbock County's investor loans, ranking 21st highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 33.5% of the loans here, so comparing written term sheets matters more.
The average investor loan in Lubbock County was $166K, ranking 7th lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Lubbock County?
The most active investment-property lenders in Lubbock County in 2025 HMDA data were City Bank, Citizens State Bank and Texas Tech Federal Credit Union, out of 158 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 Lubbock County, and matches each file to the one most likely to fund it.
Lubbock County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,112 loans and $184.3M from 158 lenders. City Bank led Lubbock County with 87 loans, 7.8% of the county's total, and the average Lubbock County loan of $166K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| City Bank | 87 | $14.8M | $170K | 65.5% |
| Citizens State Bank | 85 | $13.5M | $158K | 38.8% |
| Texas Tech Federal Credit Union | 69 | $11.1M | $160K | 81.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 68 | $10.7M | $158K | 86.8% |
| ALLIANCE CREDIT UNION | 63 | $11.0M | $175K | 92.1% |
| KIND LENDING, LLC | 61 | $10.5M | $172K | 98.4% |
| T2 FINANCIAL LLC | 42 | $6.2M | $148K | 83.3% |
| AMWEST FUNDING CORP. | 40 | $6.7M | $166K | 97.5% |
| Prosperity Bank | 39 | $4.8M | $123K | 74.4% |
| Peoples Bank | 29 | $5.4M | $187K | 55.2% |
| 21st Mortgage Corporation | 28 | $1.7M | $60K | 100.0% |
| Community National Bank | 22 | $3.4M | $152K | 95.5% |
| Solera National Bank | 21 | $2.8M | $131K | 95.2% |
| First United Bank | 19 | $4.6M | $242K | 84.2% |
| FlexPoint, Inc. | 19 | $2.7M | $141K | 5.3% |
| Wellington State Bank | 18 | $7.2M | $402K | 44.4% |
| Western Bank | 18 | $3.3M | $185K | 66.7% |
| Vista Bank | 18 | $2.8M | $153K | 72.2% |
| Amarillo National Bank | 15 | $3.4M | $228K | 73.3% |
| DEEPHAVEN MORTGAGE LLC | 15 | $2.4M | $159K | 66.7% |
| Rocket Mortgage, LLC | 15 | $2.2M | $150K | 73.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | $2.4M | $197K | 66.7% |
| HOMEXPRESS MORTGAGE CORP. | 12 | $1.9M | $155K | 58.3% |
| BPL MORTGAGE TRUST, LLC | 12 | $1.6M | $135K | 25.0% |
| Kiavi Funding, Inc. | 11 | $2.0M | $185K | 81.8% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lubbock County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lubbock County CSV, all 25 lenders
What Lubbock County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lubbock County's fix-and-flip and bridge lenders barely appear among its 158 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 Lubbock County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lubbock 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 — Lubbock County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 158 lenders and 1,112 loans: 2025 HMDA loan-level data rolled up to Lubbock County.
- Lubbock County investor-lender dataset (CSV) — All 25 Lubbock County lenders in the table, City Bank 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.