DSCR Loans in Medina County, Ohio
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)
In 2025 HMDA data, 55 lenders made 130 investment-property loans in Medina County, 0.6% of Ohio's total. Dominick Prevete arranges DSCR loans across Medina 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 $235,000.
Medina County investor market at a glance
| Statistic | Medina County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 130 | 21,703 | 25th of 30 |
| Reporting lenders | 55 | 551 | 21st of 30 |
| Loan volume | $26.3M | $3.64B | 21st of 30 |
| Average loan | $202K | $168K | 8th of 30 |
| Median loan | $175K | $135K | 7th of 30 |
| Purchases | 71.5% | 59.1% | 4th of 30 |
| Cash-out refinances | 16.2% | 20.0% | 22nd of 30 |
| 2–4 unit properties | 13.1% | 23.7% | 26th of 30 |
| Top five lenders' share | 31.5% | 28.8% | 26th of 30 |
| Reported business-purpose | 62.3% | 76.4% | 22nd of 30 |
Medina County: closed-end loans on 1–4 unit investment properties. Medina County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Medina County's investor loans.
What stands out in Medina County
71.5% of Medina County's investor loans were purchases, the 4th-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.
13.1% of Medina County's investor loans financed a 2–4 unit property, the 5th-lowest share of Ohio's 30 counties with published data (statewide: 23.7%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 31.5% of Medina County's investor loans, the 5th-lowest share of Ohio's 30 counties with published data (statewide: 28.8%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Medina County?
At HUD's fair market rent of $1,628 for a 3-bedroom in Medina County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Medina County's median home value is $287,000; at that price the payment is $1,983 a month, so the property would need $2,000 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,274 / $1,628 / $1,756 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $287,000 |
| Median property taxes and effective rate | $3,560 (1.24% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,983 |
| Rent needed to cover that payment | $2,000 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
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 Medina County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Medina County?
The most active investment-property lenders in Medina County in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; Kiavi Funding, Inc.; and The Huntington National Bank, out of 55 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 two that reported in Medina County, and matches each file to the one most likely to fund it.
Medina County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 130 loans and $26.3M from 55 lenders. CROSSCOUNTRY MORTGAGE, INC. led Medina County with 11 loans, 8.5% of the county's total, and the average Medina County loan of $202K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $2.1M | $189K | 100.0% |
| Kiavi Funding, Inc. | 10 | $2.1M | $214K | 80.0% |
| The Huntington National Bank | 8 | $1.4M | $180K | 25.0% |
| Synergy One Lending, Inc. | 7 | $1.4M | $198K | 71.4% |
| Westfield Bank, FSB | 5 | $1.9M | $373K | 40.0% |
| The Farmers National Bank of Canfield | 5 | $1.0M | $191K | 80.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $0.9M | $189K | 80.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | $0.7M | $149K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.7M | $163K | 75.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.8M | $255K | 66.7% |
| GUARANTEED RATE, INC. | 3 | $0.6M | $202K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $0.6M | $198K | 33.3% |
| THE LOAN STORE, INC. | 3 | $0.6M | $188K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.6M | $188K | 33.3% |
| Rocket Mortgage, LLC | 3 | $0.6M | $185K | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | $0.6M | $185K | 100.0% |
| First National Bank of Pennsylvania | 2 | $0.8M | $415K | 50.0% |
| The Commercial and Savings Bank of Millersburg, Ohio | 2 | $0.6M | $275K | 100.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.5M | $270K | 100.0% |
| A&D Mortgage LLC | 2 | $0.5M | $235K | 100.0% |
| First Federal Savings and Loan Association of Lakewood | 2 | $0.4M | $205K | 50.0% |
| Main Street Bank Corp | 2 | $0.4M | $195K | 100.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | $0.4M | $180K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.3M | $170K | 0.0% |
| Fifth Third Bank, National Association | 2 | $0.3M | $135K | 100.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Medina County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Medina County CSV, all 25 lenders
What Medina County's table can't show you: fit. Short-term financing is exempt from HMDA, so Medina County's fix-and-flip and bridge lenders barely appear among its 55 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 Medina County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Medina 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 — Medina County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 55 lenders and 130 loans: 2025 HMDA loan-level data rolled up to Medina County.
- Medina County investor-lender dataset (CSV) — All 25 lenders in the Medina County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Medina 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 Cleveland, OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Medina 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.