DSCR Loans in Mercer County, New Jersey
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)
Dominick Prevete arranges DSCR loans across Mercer 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, 149 lenders made 1,295 investment-property loans there, 7.1% of New Jersey's total; the most active are in the table below.
Mercer County investor market at a glance
| Statistic | Mercer County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 1,295 | 18,316 | 4th of 20 |
| Reporting lenders | 149 | 439 | 8th of 20 |
| Loan volume | $352.7M | $7.88B | 10th of 20 |
| Average loan | $272K | $430K | 14th of 20 |
| Median loan | $215K | $365K | 17th of 20 |
| Purchases | 44.2% | 56.9% | 19th of 20 |
| Cash-out refinances | 38.2% | 26.0% | 1st of 20 |
| 2–4 unit properties | 19.3% | 30.0% | 12th of 20 |
| Top five lenders' share | 38.3% | 24.4% | 7th of 20 |
| Reported business-purpose | 82.5% | 81.1% | 5th of 20 |
Mercer County: closed-end loans on 1–4 unit investment properties. Mercer County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Mercer County's investor loans.
What stands out in Mercer County
38.2% of Mercer County's investor loans were cash-out refinances, the highest share of New Jersey's 20 counties with published data (statewide: 26.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
The five most active lenders wrote 38.3% of Mercer County's investor loans, ranking 7th highest of New Jersey's 20 counties with published data (statewide: 24.4%).
Five lenders write 38.3% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Mercer County?
The most active investment-property lenders in Mercer County in 2025 HMDA data were Loan Funder LLC; CHAMPIONS FUNDING, LLC; and Kiavi Funding, Inc., out of 149 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 Mercer County, and matches each file to the one most likely to fund it.
Mercer County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,295 loans and $352.7M from 149 lenders. Loan Funder LLC led Mercer County with 165 loans, 12.7% of the county's total, and the average Mercer County loan of $272K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 165 | $49.9M | $302K | 38.8% |
| CHAMPIONS FUNDING, LLC | 121 | $26.6M | $220K | 12.4% |
| Kiavi Funding, Inc. | 117 | $29.1M | $248K | 79.5% |
| ARK MORTGAGE, INC. | 48 | $9.5M | $199K | 6.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 45 | $10.4M | $232K | 60.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 41 | $12.2M | $298K | 56.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 39 | $9.8M | $250K | 30.8% |
| BPL MORTGAGE TRUST, LLC | 37 | $7.6M | $207K | 13.5% |
| CONSTRUCTIVE LOANS, LLC | 35 | $7.4M | $211K | 11.4% |
| Hometown Equity Mortgage, LLC | 29 | $6.5M | $223K | 17.2% |
| Rocket Mortgage, LLC | 28 | $7.8M | $277K | 53.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 27 | $7.3M | $270K | 85.2% |
| PULTE MORTGAGE LLC | 23 | $10.6M | $462K | 100.0% |
| LENNAR MORTGAGE, LLC | 21 | $7.4M | $355K | 100.0% |
| THE LOAN STORE, INC. | 20 | $4.9M | $244K | 45.0% |
| FM Home Loans, LLC | 20 | $4.3M | $216K | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 15 | $3.6M | $239K | 26.7% |
| TOLL BROTHERS MORTGAGE COMPANY | 14 | $6.7M | $481K | 100.0% |
| NEWREZ LLC | 14 | $3.7M | $264K | 35.7% |
| A&D Mortgage LLC | 14 | $3.6M | $260K | 57.1% |
| Emporium TPO LLC | 14 | $3.3M | $236K | 14.3% |
| KWIK MORTGAGE CORPORATION | 13 | $4.8M | $372K | 30.8% |
| Logan Finance Corporation | 13 | $4.4M | $335K | 30.8% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $4.5M | $371K | 58.3% |
| OCMBC, INC. | 11 | $2.7M | $250K | 45.5% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Mercer County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Mercer County CSV, all 25 lenders
What Mercer County's table can't show you: fit. Short-term financing is exempt from HMDA, so Mercer County's fix-and-flip and bridge lenders barely appear among its 149 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 Mercer County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Mercer 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 — Mercer County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 149 lenders and 1,295 loans: 2025 HMDA loan-level data rolled up to Mercer County.
- Mercer County investor-lender dataset (CSV) — All 25 Mercer County lenders in the table, Loan Funder LLC 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.