DSCR Loans in Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Missouri, 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, 534 lenders made 15,393 investment-property loans in Missouri; the most active are in the table below.
Missouri investor market at a glance
| Statistic | Missouri | 26 states | State rank |
|---|---|---|---|
| Investor loans | 15,393 | 461,927 | 12th of 26 |
| Reporting lenders | 534 | 3,509 | 10th of 26 |
| Loan volume | $2.82B | $163.80B | 18th of 26 |
| Average loan | $183K | $355K | 23rd of 26 |
| Median loan | $145K | — | 20th of 26 |
| Purchases | 61.2% | 58.8% | 8th of 26 |
| Cash-out refinances | 12.1% | 19.8% | 24th of 26 |
| 2–4 unit properties | 19.1% | 16.5% | 8th of 26 |
| Top five lenders' share | 18.3% | 22.1% | 22nd of 26 |
| Reported business-purpose | 63.6% | 72.6% | 24th of 26 |
Missouri: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 26 states with published data. The 26-state figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Missouri
The average investor loan in Missouri was $183K, ranking 4th lowest of the 26 states with published data (26-state figure: $355K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 18.3% of Missouri's investor loans, ranking 4th lowest of the 26 states with published data (26-state figure: 22.1%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Who are the DSCR and investment-property lenders in Missouri?
The most active investment-property lenders in Missouri in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and The Central Trust Bank, out of 534 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 Missouri, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Missouri's 2025 filings to closed-end loans on 1–4 unit investment properties: 15,393 loans totaling $2.82B across 534 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 906 | $146.2M | $161K | 66.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 766 | $89.7M | $117K | 64.9% |
| The Central Trust Bank | 415 | $85.4M | $206K | 78.1% |
| First State Community Bank | 370 | $61.3M | $166K | 73.5% |
| BPL MORTGAGE TRUST, LLC | 363 | $41.7M | $115K | 43.8% |
| RCN Capital, LLC | 357 | $59.6M | $167K | 26.3% |
| Southern Bank | 289 | $42.1M | $146K | 67.5% |
| First State Bank of St. Charles, Missouri | 263 | $45.6M | $173K | 70.0% |
| Loan Funder LLC | 217 | $45.9M | $212K | 23.5% |
| Sullivan Bank | 208 | $52.6M | $253K | 57.2% |
| FLAT BRANCH MORTGAGE, INC. | 205 | $34.3M | $167K | 76.6% |
| LEI:254900CTT87ZKAUTIJ37 | 203 | $32.9M | $162K | 61.6% |
| FCB Banks | 171 | $33.8M | $197K | 75.4% |
| COMMUNITYAMERICA CREDIT UNION | 165 | $45.3M | $275K | 83.0% |
| Stifel Bank and Trust | 165 | $33.1M | $201K | 76.4% |
| Rocket Mortgage, LLC | 163 | $25.5M | $157K | 39.9% |
| First Midwest Bank of the Ozarks | 161 | $22.0M | $137K | 60.2% |
| Old Missouri Bank | 159 | $25.7M | $161K | 59.1% |
| Mid America Bank | 149 | $36.9M | $248K | 83.9% |
| The Bank of Old Monroe | 144 | $27.1M | $188K | 45.1% |
| The Bank of Missouri | 141 | $34.3M | $244K | 69.5% |
| GUILD MORTGAGE COMPANY | 140 | $22.6M | $161K | 73.6% |
| Arvest Bank | 136 | $21.9M | $161K | 77.9% |
| The Nodaway Valley Bank | 131 | $18.7M | $143K | 57.3% |
| Oakstar Bank | 130 | $38.1M | $293K | 70.0% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved October 31, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 534 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Missouri lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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 Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Missouri 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 — Missouri's at-a-glance figures, its rank among the 26 states, its observations and the Quick Read's 534 lenders and 15,393 loans: 2025 HMDA loan-level data.
- Missouri investor-lender dataset (CSV) — Every Missouri lender behind the table above, with volume, average loan and purchase share for each.
- Missouri investor lending data, Dominick Prevete — The Missouri table on its own, with the state's concentration figures and the method behind them.
- 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.