DSCR Loans in McCurtain County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 84 lenders made 244 investment-property loans in McCurtain County, 2.3% of Oklahoma's total. Dominick Prevete arranges DSCR loans across McCurtain 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 $195,000.
McCurtain County investor market at a glance
| Statistic | McCurtain County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 244 | 10,662 | 6th of 19 |
| Reporting lenders | 84 | 418 | 5th of 19 |
| Loan volume | $145.7M | $1.93B | 4th of 19 |
| Average loan | $597K | $181K | 1st of 19 |
| Median loan | $545K | $145K | 1st of 19 |
| Purchases | 78.7% | 62.5% | 1st of 19 |
| Cash-out refinances | 6.6% | 8.7% | 13th of 19 |
| 2–4 unit properties | 0.8% | 13.2% | 19th of 19 |
| Top five lenders' share | 41.4% | 21.4% | 10th of 19 |
| Reported business-purpose | 76.2% | 63.5% | 1st of 19 |
McCurtain County: closed-end loans on 1–4 unit investment properties. McCurtain County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of McCurtain County's investor loans.
What stands out in McCurtain County
The median investor loan in McCurtain County was $545K, the 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.
0.8% of McCurtain County's investor loans financed a 2–4 unit property, the 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.
78.7% of McCurtain County's investor loans were purchases, the 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.
Does a DSCR loan pencil in McCurtain County?
At HUD's fair market rent of $1,235 for a 3-bedroom in McCurtain County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). McCurtain County's median home value is $144,500; at that price the payment is $893 a month, so the property would need $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) | $916 / $1,235 / $1,396 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $144,500 |
| Median property taxes and effective rate | $528 (0.37% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $893 |
| Rent needed to cover that payment | $900 |
| Coverage of a 3-bedroom at fair market rent | 1.38 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
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 McCurtain County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in McCurtain County?
The most active investment-property lenders in McCurtain County in 2025 HMDA data were Hometown Equity Mortgage, LLC; INTERLINC MORTGAGE SERVICES, LLC; and CHAMPIONS FUNDING, LLC, out of 84 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 McCurtain County, and matches each file to the one most likely to fund it.
McCurtain County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 244 loans and $145.7M from 84 lenders. Hometown Equity Mortgage, LLC led McCurtain County with 41 loans, 16.8% of the county's total, and the average McCurtain County loan of $597K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Hometown Equity Mortgage, LLC | 41 | $30.8M | $752K | 95.1% |
| INTERLINC MORTGAGE SERVICES, LLC | 29 | $20.5M | $708K | 79.3% |
| CHAMPIONS FUNDING, LLC | 15 | $10.6M | $706K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | $5.9M | $651K | 66.7% |
| THE LOAN STORE, INC. | 7 | $4.0M | $569K | 57.1% |
| Rocket Mortgage, LLC | 7 | $3.1M | $439K | 85.7% |
| UNION HOME MORTGAGE CORP. | 7 | $2.9M | $411K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $2.4M | $403K | 100.0% |
| JPMorgan Chase Bank, National Association | 5 | $3.6M | $711K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $1.8M | $359K | 80.0% |
| First United Bank and Trust Company | 5 | $1.4M | $271K | 80.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $2.3M | $573K | 50.0% |
| CMG MORTGAGE, INC. | 4 | $2.2M | $553K | 75.0% |
| MidFirst Bank | 3 | $2.3M | $782K | 100.0% |
| Stride Bank, National Association | 3 | $1.3M | $428K | 100.0% |
| Broker Solutions, Inc. | 3 | $1.0M | $322K | 66.7% |
| Union Bank | 3 | $0.3M | $112K | 0.0% |
| Origin Bank | 2 | $2.5M | $1255K | 50.0% |
| Cadence Bank | 2 | $2.4M | $1220K | 50.0% |
| NEXERA HOLDING LLC | 2 | $2.0M | $1020K | 100.0% |
| Commerce Home Mortgage, Inc. | 2 | $2.0M | $1000K | 50.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | $1.8M | $920K | 100.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | $1.6M | $790K | 100.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | $1.3M | $650K | 100.0% |
| The Payne County Bank | 2 | $1.3M | $630K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for McCurtain County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · McCurtain County CSV, all 25 lenders
What McCurtain County's table can't show you: fit. Short-term financing is exempt from HMDA, so McCurtain County's fix-and-flip and bridge lenders barely appear among its 84 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 McCurtain County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a McCurtain 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 — McCurtain County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 84 lenders and 244 loans: 2025 HMDA loan-level data rolled up to McCurtain County.
- McCurtain County investor-lender dataset (CSV) — All 25 lenders in the McCurtain County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — McCurtain 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 McCurtain County, OK.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — McCurtain 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.