DSCR Loans in Midland 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 Midland 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, 94 lenders made 274 investment-property loans there, 0.6% of Texas's total; the most active are in the table below.
Midland County investor market at a glance
| Statistic | Midland County | Texas | County rank |
|---|---|---|---|
| Investor loans | 274 | 49,613 | 33rd of 51 |
| Reporting lenders | 94 | 903 | 31st of 51 |
| Loan volume | $89.0M | $13.00B | 27th of 51 |
| Average loan | $325K | $262K | 4th of 51 |
| Median loan | $205K | $205K | 20th of 51 |
| Purchases | 64.2% | 61.7% | 20th of 51 |
| Cash-out refinances | 19.3% | 17.9% | 18th of 51 |
| 2–4 unit properties | 6.9% | 8.8% | 35th of 51 |
| Top five lenders' share | 26.6% | 18.3% | 35th of 51 |
| Reported business-purpose | 67.9% | 68.5% | 21st of 51 |
Midland County: closed-end loans on 1–4 unit investment properties. Midland County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Midland County's investor loans.
What stands out in Midland County
The average investor loan in Midland County was $325K, ranking 4th highest of Texas's 51 counties with published data (statewide: $262K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 26.6% of Midland County's investor loans, ranking 35th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 26.6% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Midland County?
The most active investment-property lenders in Midland County in 2025 HMDA data were Community National Bank, City Bank and AMWEST FUNDING CORP., out of 94 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 Midland County, and matches each file to the one most likely to fund it.
Midland County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 274 loans and $89.0M from 94 lenders. Community National Bank led Midland County with 22 loans, 8.0% of the county's total, and the average Midland County loan of $325K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community National Bank | 22 | $5.3M | $239K | 81.8% |
| City Bank | 16 | $3.6M | $227K | 81.2% |
| AMWEST FUNDING CORP. | 12 | $2.6M | $213K | 66.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 12 | $2.1M | $176K | 75.0% |
| LRS FINANCIAL NETWORK, INC. | 11 | $2.3M | $208K | 90.9% |
| HOMEXPRESS MORTGAGE CORP. | 9 | $1.7M | $185K | 77.8% |
| A&D Mortgage LLC | 8 | $2.2M | $270K | 87.5% |
| PENNYMAC LOAN SERVICES, LLC | 7 | $1.7M | $246K | 42.9% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | $1.5M | $215K | 42.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.2M | $205K | 50.0% |
| Kiavi Funding, Inc. | 5 | $2.1M | $429K | 40.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.4M | $271K | 80.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | $1.1M | $225K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | $1.0M | $191K | 80.0% |
| Prosperity Bank | 5 | $0.8M | $153K | 60.0% |
| 21st Mortgage Corporation | 5 | $0.5M | $105K | 100.0% |
| Frost Bank | 4 | $1.6M | $388K | 100.0% |
| Texas Tech Federal Credit Union | 4 | $1.0M | $253K | 75.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.8M | $203K | 0.0% |
| KIND LENDING, LLC | 4 | $0.7M | $180K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | $0.7M | $163K | 0.0% |
| Rocket Mortgage, LLC | 4 | $0.7M | $163K | 0.0% |
| Nations Lending Corporation | 4 | $0.6M | $155K | 25.0% |
| EVERETT FINANCIAL, INC. | 4 | $0.6M | $140K | 75.0% |
| TexasBank | 3 | $1.0M | $348K | 0.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Midland County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Midland County CSV, all 25 lenders
What Midland County's table can't show you: fit. Short-term financing is exempt from HMDA, so Midland County's fix-and-flip and bridge lenders barely appear among its 94 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 Midland County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Midland 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 — Midland County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 94 lenders and 274 loans: 2025 HMDA loan-level data rolled up to Midland County.
- Midland County investor-lender dataset (CSV) — All 25 Midland County lenders in the table, Community National Bank 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.