DSCR Loans in McClain County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 53 lenders made 137 investment-property loans in McClain County, 1.3% of Oklahoma's total. Dominick Prevete arranges DSCR loans across McClain 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.
McClain County investor market at a glance
| Statistic | McClain County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 137 | 10,662 | 14th of 19 |
| Reporting lenders | 53 | 418 | 11th of 19 |
| Loan volume | $32.9M | $1.93B | 8th of 19 |
| Average loan | $240K | $181K | 2nd of 19 |
| Median loan | $215K | $145K | 2nd of 19 |
| Purchases | 58.4% | 62.5% | 17th of 19 |
| Cash-out refinances | 4.4% | 8.7% | 18th of 19 |
| 2–4 unit properties | 17.5% | 13.2% | 5th of 19 |
| Top five lenders' share | 39.4% | 21.4% | 11th of 19 |
| Reported business-purpose | 61.3% | 63.5% | 12th of 19 |
McClain County: closed-end loans on 1–4 unit investment properties. McClain County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of McClain County's investor loans.
What stands out in McClain County
4.4% of McClain County's investor loans were cash-out refinances, the 2nd-lowest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in McClain County was $215K, the 2nd-highest median of Oklahoma's 19 counties with published data (statewide: $145K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
58.4% of McClain County's investor loans were purchases, the 3rd-lowest share of Oklahoma's 19 counties with published data (statewide: 62.5%).
Refinances are a larger share here than in most of Oklahoma. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in McClain County?
At HUD's fair market rent of $1,713 for a 3-bedroom in McClain 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). McClain County's median home value is $255,900; at that price the payment is $1,672 a month, so the property would need $1,675 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) | $255,900 |
| Median property taxes and effective rate | $2,023 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,672 |
| Rent needed to cover that payment | $1,675 |
| Coverage of a 3-bedroom at fair market rent | 1.02 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $385,000 |
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 McClain County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in McClain County?
The most active investment-property lenders in McClain County in 2025 HMDA data were Liberty National Bank; First United Bank and Trust Company; and OCMBC, INC., out of 53 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 McClain County, and matches each file to the one most likely to fund it.
McClain County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 137 loans and $32.9M from 53 lenders. Liberty National Bank led McClain County with 17 loans, 12.4% of the county's total, and the average McClain County loan of $240K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Liberty National Bank | 17 | $3.8M | $224K | 52.9% |
| First United Bank and Trust Company | 12 | $3.0M | $248K | 83.3% |
| OCMBC, INC. | 10 | $2.4M | $244K | 0.0% |
| McClain Bank | 8 | $2.3M | $289K | 50.0% |
| Great Plains National Bank | 7 | $2.4M | $344K | 85.7% |
| BancFirst | 7 | $0.8M | $116K | 28.6% |
| Arvest Bank | 5 | $1.0M | $199K | 100.0% |
| Legacy Bank | 5 | $0.9M | $181K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $1.2M | $300K | 100.0% |
| NEWREZ LLC | 4 | $1.0M | $243K | 0.0% |
| The First National Bank and Trust Co. | 3 | $0.8M | $275K | 66.7% |
| Kiavi Funding, Inc. | 3 | $0.5M | $168K | 33.3% |
| First National Bank Of Oklahoma | 2 | $1.1M | $565K | 0.0% |
| Prism Bank | 2 | $1.0M | $520K | 0.0% |
| First Enterprise Bank | 2 | $0.8M | $395K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.6M | $280K | 0.0% |
| WEOKIE Federal Credit Union | 2 | $0.5M | $235K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.4M | $220K | 50.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 2 | $0.4M | $215K | 100.0% |
| Sovereign Bank | 2 | $0.4M | $200K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.3M | $165K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.3M | $155K | 100.0% |
| Sooner State Bank | 2 | $0.2M | $95K | 0.0% |
| Texas Regional Bank | 1 | $0.9M | $895K | 100.0% |
| Frontier State Bank | 1 | $0.6M | $585K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for McClain County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · McClain County CSV, all 25 lenders
What McClain County's table can't show you: fit. Short-term financing is exempt from HMDA, so McClain County's fix-and-flip and bridge lenders barely appear among its 53 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 McClain County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a McClain 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 — McClain County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 53 lenders and 137 loans: 2025 HMDA loan-level data rolled up to McClain County.
- McClain County investor-lender dataset (CSV) — All 25 lenders in the McClain County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — McClain 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 — McClain 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.