DSCR Loans in Middlesex 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 Middlesex 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, 176 lenders made 1,046 investment-property loans there, 5.7% of New Jersey's total; the most active are in the table below.
Middlesex County investor market at a glance
| Statistic | Middlesex County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 1,046 | 18,316 | 8th of 20 |
| Reporting lenders | 176 | 439 | 3rd of 20 |
| Loan volume | $404.4M | $7.88B | 8th of 20 |
| Average loan | $387K | $430K | 10th of 20 |
| Median loan | $345K | $365K | 10th of 20 |
| Purchases | 63.3% | 56.9% | 4th of 20 |
| Cash-out refinances | 21.9% | 26.0% | 16th of 20 |
| 2–4 unit properties | 21.6% | 30.0% | 9th of 20 |
| Top five lenders' share | 24.9% | 24.4% | 16th of 20 |
| Reported business-purpose | 69.9% | 81.1% | 19th of 20 |
Middlesex County: closed-end loans on 1–4 unit investment properties. Middlesex County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Middlesex County's investor loans.
What stands out in Middlesex County
63.3% of Middlesex County's investor loans were purchases, ranking 4th highest of New Jersey's 20 counties with published data (statewide: 56.9%).
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.
21.6% of Middlesex County's investor loans financed a 2–4 unit property, ranking 12th lowest of New Jersey's 20 counties with published data (statewide: 30.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Who are the DSCR and investment-property lenders in Middlesex County?
The most active investment-property lenders in Middlesex County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and Kiavi Funding, Inc., out of 176 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 Middlesex County, and matches each file to the one most likely to fund it.
Middlesex County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,046 loans and $404.4M from 176 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Middlesex County with 62 loans, 5.9% of the county's total, and the average Middlesex County loan of $387K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 62 | $21.3M | $344K | 50.0% |
| Rocket Mortgage, LLC | 60 | $16.5M | $275K | 48.3% |
| Kiavi Funding, Inc. | 53 | $21.9M | $413K | 92.5% |
| Loan Funder LLC | 43 | $21.4M | $497K | 93.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | $18.0M | $428K | 73.8% |
| PENNYMAC LOAN SERVICES, LLC | 28 | $9.4M | $337K | 71.4% |
| THE LOAN STORE, INC. | 28 | $8.5M | $305K | 60.7% |
| Emporium TPO LLC | 27 | $10.7M | $396K | 59.3% |
| KWIK MORTGAGE CORPORATION | 24 | $8.1M | $336K | 62.5% |
| CHAMPIONS FUNDING, LLC | 19 | $7.3M | $383K | 52.6% |
| BETTER MORTGAGE CORPORATION | 18 | $8.1M | $449K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | $7.1M | $416K | 35.3% |
| JPMorgan Chase Bank, National Association | 16 | $6.4M | $398K | 81.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | $6.4M | $398K | 100.0% |
| Hometown Equity Mortgage, LLC | 14 | $7.0M | $503K | 50.0% |
| Logan Finance Corporation | 12 | $5.3M | $441K | 41.7% |
| Commerce Home Mortgage, Inc. | 12 | $4.6M | $385K | 75.0% |
| ARC HOME LLC | 11 | $4.2M | $386K | 63.6% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | $3.0M | $277K | 45.5% |
| ABL RPC Residential Credit Acquisition LLC | 10 | $4.9M | $491K | 10.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | $4.3M | $432K | 40.0% |
| NEXERA HOLDING LLC | 10 | $4.1M | $413K | 30.0% |
| United Nations Federal Credit Union | 10 | $3.6M | $359K | 100.0% |
| Mid Penn Bank | 10 | $3.4M | $342K | 90.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 10 | $3.2M | $318K | 90.0% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Middlesex County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Middlesex County CSV, all 25 lenders
What Middlesex County's table can't show you: fit. Short-term financing is exempt from HMDA, so Middlesex County's fix-and-flip and bridge lenders barely appear among its 176 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 Middlesex County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Middlesex 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 — Middlesex County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 176 lenders and 1,046 loans: 2025 HMDA loan-level data rolled up to Middlesex County.
- Middlesex County investor-lender dataset (CSV) — All 25 Middlesex County lenders in the table, UNITED SHORE FINANCIAL SERVICES, 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.