DSCR Loans in McLennan County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across McLennan 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, 118 lenders made 588 investment-property loans there, 1.2% of Texas's total; the most active are in the table below.
McLennan County investor market at a glance
| Statistic | McLennan County | Texas | County rank |
|---|---|---|---|
| Investor loans | 588 | 49,613 | 19th of 51 |
| Reporting lenders | 118 | 903 | 24th of 51 |
| Loan volume | $123.9M | $13.00B | 21st of 51 |
| Average loan | $211K | $262K | 32nd of 51 |
| Median loan | $165K | $205K | 35th of 51 |
| Purchases | 59.9% | 61.7% | 33rd of 51 |
| Cash-out refinances | 12.4% | 17.9% | 40th of 51 |
| 2–4 unit properties | 18.0% | 8.8% | 9th of 51 |
| Top five lenders' share | 40.8% | 18.3% | 13th of 51 |
| Reported business-purpose | 38.9% | 68.5% | 51st of 51 |
McLennan County: closed-end loans on 1–4 unit investment properties. McLennan County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of McLennan County's investor loans.
What stands out in McLennan County
The five most active lenders wrote 40.8% of McLennan County's investor loans, ranking 13th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 40.8% of the loans here, so comparing written term sheets matters more.
18.0% of McLennan County's investor loans financed a 2–4 unit property, ranking 9th highest of Texas's 51 counties with published data (statewide: 8.8%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Who are the DSCR and investment-property lenders in McLennan County?
The most active investment-property lenders in McLennan County in 2025 HMDA data were Alliance Bank Central Texas, Central National Bank and The First National Bank of McGregor, out of 118 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 McLennan County, and matches each file to the one most likely to fund it.
McLennan County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 588 loans and $123.9M from 118 lenders. Alliance Bank Central Texas led McLennan County with 56 loans, 9.5% of the county's total, and the average McLennan County loan of $211K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Alliance Bank Central Texas | 56 | $9.3M | $167K | 69.6% |
| Central National Bank | 49 | $10.4M | $213K | 75.5% |
| The First National Bank of McGregor | 46 | $14.1M | $307K | 34.8% |
| American Bank, National Association | 45 | $9.0M | $200K | 73.3% |
| First National Bank of Central Texas | 44 | $6.7M | $152K | 50.0% |
| Community Bank & Trust, Waco, Texas | 28 | $3.9M | $140K | 42.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | $3.8M | $239K | 56.2% |
| Kiavi Funding, Inc. | 16 | $3.3M | $206K | 87.5% |
| DEEPHAVEN MORTGAGE LLC | 16 | $2.4M | $149K | 12.5% |
| Fairway Independent Mortgage Corporation | 14 | $2.4M | $170K | 100.0% |
| Rocket Mortgage, LLC | 13 | $2.6M | $201K | 69.2% |
| Inwood National Bank | 9 | $3.0M | $333K | 0.0% |
| Cadence Bank | 9 | $2.3M | $255K | 77.8% |
| Extraco Banks, National Association | 9 | $2.0M | $227K | 88.9% |
| AMWEST FUNDING CORP. | 9 | $1.5M | $169K | 77.8% |
| DHI MORTGAGE COMPANY, LTD. | 8 | $1.6M | $206K | 100.0% |
| LEI:549300KZ4HZESXAO1M36 | 8 | $1.3M | $158K | 75.0% |
| NFM, INC. | 7 | $1.2M | $174K | 0.0% |
| First State Bank | 6 | $2.8M | $465K | 33.3% |
| Hometown Equity Mortgage, LLC | 6 | $1.7M | $287K | 16.7% |
| Loan Funder LLC | 6 | $0.6M | $102K | 83.3% |
| GUILD MORTGAGE COMPANY | 5 | $0.8M | $165K | 80.0% |
| SWBC MORTGAGE CORPORATION | 5 | $0.8M | $159K | 100.0% |
| NEWREZ LLC | 5 | $0.7M | $143K | 20.0% |
| Wells Fargo Bank, National Association | 4 | $1.1M | $265K | 75.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for McLennan County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · McLennan County CSV, all 25 lenders
What McLennan County's table can't show you: fit. Short-term financing is exempt from HMDA, so McLennan County's fix-and-flip and bridge lenders barely appear among its 118 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 McLennan County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a McLennan 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 — McLennan County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 118 lenders and 588 loans: 2025 HMDA loan-level data rolled up to McLennan County.
- McLennan County investor-lender dataset (CSV) — All 25 McLennan County lenders in the table, Alliance Bank Central Texas 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.