DSCR Loans in Missoula County, Montana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 48 lenders made 134 investment-property loans in Missoula County, 9.0% of Montana's total. Dominick Prevete arranges DSCR loans across Missoula County, Montana, 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 $350,000.
Missoula County investor market at a glance
| Statistic | Missoula County | Montana | County rank |
|---|---|---|---|
| Investor loans | 134 | 1,497 | 5th of 5 |
| Reporting lenders | 48 | 199 | 3rd of 5 |
| Loan volume | $49.6M | $626.6M | 4th of 5 |
| Average loan | $370K | $419K | 3rd of 5 |
| Median loan | $315K | $265K | 3rd of 5 |
| Purchases | 64.9% | 63.4% | 3rd of 5 |
| Cash-out refinances | 11.2% | 12.8% | 4th of 5 |
| 2–4 unit properties | 18.7% | 20.4% | 3rd of 5 |
| Top five lenders' share | 44.8% | 34.6% | 3rd of 5 |
| Reported business-purpose | 70.9% | 66.9% | 2nd of 5 |
Missoula County: closed-end loans on 1–4 unit investment properties. Missoula County's rank is highest first, among Montana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Missoula County's investor loans.
What stands out in Missoula County
Missoula County's 134 investor loans ranked 5th of Montana's 5 counties with published data.
Does a DSCR loan pencil in Missoula County?
At HUD's fair market rent of $2,340 for a 3-bedroom in Missoula County, Montana, a rental covers its full DSCR payment up to a purchase price of about $350,000, with 20% down at the 7.25% starting rate (November 2026). Missoula County's median home value is $472,100; at that price the payment is $3,119 a month, so the property would need $3,125 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) | $1,690 / $2,340 / $2,825 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $472,100 |
| Median property taxes and effective rate | $4,150 (0.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,119 |
| Rent needed to cover that payment | $3,125 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| Highest price a 3-bedroom at fair market rent covers | about $350,000 |
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 Missoula County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Missoula County?
The most active investment-property lenders in Missoula County in 2025 HMDA data were Stockman Bank of Montana, Opportunity Bank of Montana and Glacier Bank, out of 48 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 Missoula County, and matches each file to the one most likely to fund it.
Missoula County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 134 loans and $49.6M from 48 lenders. Stockman Bank of Montana led Missoula County with 25 loans, 18.7% of the county's total, and the average Missoula County loan of $370K compares with $419K across Montana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Stockman Bank of Montana | 25 | $10.3M | $414K | 68.0% |
| Opportunity Bank of Montana | 13 | $5.6M | $433K | 84.6% |
| Glacier Bank | 8 | $2.6M | $321K | 37.5% |
| First Interstate Bank | 7 | $2.4M | $341K | 71.4% |
| KIND LENDING, LLC | 7 | $2.2M | $312K | 42.9% |
| CLEARWATER Federal Credit Union | 7 | $1.2M | $168K | 28.6% |
| TrailWest Bank | 6 | $2.4M | $398K | 66.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | $1.4M | $468K | 66.7% |
| CHAMPIONS FUNDING, LLC | 3 | $1.3M | $438K | 33.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | $1.3M | $432K | 100.0% |
| Citizens Alliance Bank | 3 | $0.8M | $275K | 100.0% |
| NEWREZ LLC | 3 | $0.7M | $248K | 33.3% |
| CHURCHILL MORTGAGE CORPORATION | 3 | $0.6M | $198K | 33.3% |
| Rocket Mortgage, LLC | 3 | $0.6M | $188K | 33.3% |
| Independence Bank | 2 | $1.0M | $490K | 50.0% |
| United Wholesale Mortgage | 2 | $1.0M | $480K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.9M | $450K | 50.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.8M | $380K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.7M | $355K | 100.0% |
| Synergy One Lending, Inc. | 2 | $0.6M | $305K | 100.0% |
| The Bank of Commerce | 1 | $1.9M | $1895K | 100.0% |
| Bank of America, National Association | 1 | $1.2M | $1205K | 100.0% |
| ADVANCIAL CREDIT UNION | 1 | $0.6M | $605K | 0.0% |
| PNC Bank, National Association | 1 | $0.6M | $565K | 0.0% |
| Prosperity Home Mortgage, LLC | 1 | $0.5M | $455K | 100.0% |
15 Montana loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Missoula County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Missoula County CSV, all 25 lenders
What Missoula County's table can't show you: fit. Short-term financing is exempt from HMDA, so Missoula County's fix-and-flip and bridge lenders barely appear among its 48 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Missoula County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Missoula County |
|---|---|---|---|
| Flathead County, MT | 191 | 71 | Borders Missoula County |
| Cascade County, MT | 138 | 41 | About 120 miles away |
| Kootenai County, ID | 287 | 78 | About 140 miles away |
| Gallatin County, MT | 237 | 71 | About 165 miles away |
Run the coverage test on your Missoula County, Montana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Missoula County, Montana 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 — Missoula County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 48 lenders and 134 loans: 2025 HMDA loan-level data rolled up to Missoula County.
- Missoula County investor-lender dataset (CSV) — All 25 lenders in the Missoula County, Montana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Missoula 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 Missoula, MT HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Missoula 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.