DSCR Loans in Mahoning County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 74 lenders made 430 investment-property loans in Mahoning County, 2.0% of Ohio's total. Dominick Prevete arranges DSCR loans across Mahoning 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 $185,000.
Mahoning County investor market at a glance
| Statistic | Mahoning County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 430 | 21,703 | 10th of 30 |
| Reporting lenders | 74 | 551 | 14th of 30 |
| Loan volume | $39.0M | $3.64B | 16th of 30 |
| Average loan | $91K | $168K | 30th of 30 |
| Median loan | $75K | $135K | 30th of 30 |
| Purchases | 74.2% | 59.1% | 2nd of 30 |
| Cash-out refinances | 17.2% | 20.0% | 20th of 30 |
| 2–4 unit properties | 12.8% | 23.7% | 27th of 30 |
| Top five lenders' share | 59.1% | 28.8% | 3rd of 30 |
| Reported business-purpose | 85.6% | 76.4% | 2nd of 30 |
Mahoning County: closed-end loans on 1–4 unit investment properties. Mahoning County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Mahoning County's investor loans.
What stands out in Mahoning County
The average investor loan in Mahoning County was $91K, the lowest average of Ohio's 30 counties with published data (statewide: $168K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
74.2% of Mahoning County's investor loans were purchases, the 2nd-highest share of Ohio's 30 counties with published data (statewide: 59.1%).
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.
By share of investor loans reported as business-purpose, Mahoning County ranks 2nd-highest of Ohio's 30 counties with published data (statewide: 76.4%).
85.6% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Mahoning County?
At HUD's fair market rent of $1,295 for a 3-bedroom in Mahoning County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $185,000, with 20% down at the 7.25% starting rate (November 2026). Mahoning County's median home value is $154,700; at that price the payment is $1,077 a month, so the property would need $1,100 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) | $1,003 / $1,295 / $1,374 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $154,700 |
| Median property taxes and effective rate | $2,015 (1.30% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,077 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.20 |
| Highest price a 3-bedroom at fair market rent covers | about $185,000 |
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 Mahoning County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Mahoning County?
The most active investment-property lenders in Mahoning County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and The Huntington National Bank, out of 74 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 Mahoning County, and matches each file to the one most likely to fund it.
Mahoning County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 430 loans and $39.0M from 74 lenders. Kiavi Funding, Inc. led Mahoning County with 141 loans, 32.8% of the county's total, and the average Mahoning County loan of $91K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 141 | $7.2M | $51K | 99.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 61 | $4.5M | $74K | 68.9% |
| The Huntington National Bank | 23 | $2.3M | $102K | 82.6% |
| Ixonia Bank | 16 | $1.9M | $119K | 81.2% |
| The Farmers National Bank of Canfield | 13 | $1.4M | $106K | 76.9% |
| BPL MORTGAGE TRUST, LLC | 13 | $1.3M | $97K | 46.2% |
| Rocket Mortgage, LLC | 11 | $1.2M | $105K | 18.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $1.1M | $96K | 72.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | $1.3M | $143K | 33.3% |
| Loan Funder LLC | 9 | $0.9M | $97K | 44.4% |
| Seven Seventeen Credit Union | 7 | $0.5M | $68K | 28.6% |
| THE LOAN STORE, INC. | 6 | $0.9M | $158K | 33.3% |
| A&D Mortgage LLC | 5 | $0.8M | $151K | 80.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $0.7M | $137K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | $0.6M | $125K | 60.0% |
| NEXERA HOLDING LLC | 5 | $0.5M | $107K | 40.0% |
| NEWREZ LLC | 4 | $0.7M | $173K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.6M | $150K | 50.0% |
| Main Street Bank Corp | 4 | $0.5M | $130K | 25.0% |
| JPMorgan Chase Bank, National Association | 4 | $0.5M | $120K | 100.0% |
| First National Bank of Pennsylvania | 4 | $0.3M | $75K | 75.0% |
| WesBanco Bank, Inc. | 3 | $0.7M | $218K | 33.3% |
| Commerce Home Mortgage, Inc. | 3 | $0.5M | $168K | 33.3% |
| Synergy One Lending, Inc. | 3 | $0.5M | $152K | 100.0% |
| LIMA ONE CAPITAL, LLC | 3 | $0.3M | $105K | 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 Mahoning County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Mahoning County CSV, all 25 lenders
What Mahoning County's table can't show you: fit. Short-term financing is exempt from HMDA, so Mahoning County's fix-and-flip and bridge lenders barely appear among its 74 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 Mahoning County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Mahoning 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 — Mahoning County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 74 lenders and 430 loans: 2025 HMDA loan-level data rolled up to Mahoning County.
- Mahoning County investor-lender dataset (CSV) — All 25 lenders in the Mahoning County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Mahoning 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 Youngstown-Warren, OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Mahoning 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.