DSCR Loans in Monmouth 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 Monmouth 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, 172 lenders made 1,287 investment-property loans there, 7.0% of New Jersey's total; the most active are in the table below.
Monmouth County investor market at a glance
| Statistic | Monmouth County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 1,287 | 18,316 | 5th of 20 |
| Reporting lenders | 172 | 439 | 5th of 20 |
| Loan volume | $713.4M | $7.88B | 5th of 20 |
| Average loan | $554K | $430K | 4th of 20 |
| Median loan | $455K | $365K | 5th of 20 |
| Purchases | 61.1% | 56.9% | 10th of 20 |
| Cash-out refinances | 23.5% | 26.0% | 11th of 20 |
| 2–4 unit properties | 14.5% | 30.0% | 14th of 20 |
| Top five lenders' share | 26.0% | 24.4% | 14th of 20 |
| Reported business-purpose | 79.6% | 81.1% | 12th of 20 |
Monmouth County: closed-end loans on 1–4 unit investment properties. Monmouth County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Monmouth County's investor loans.
What stands out in Monmouth County
The average investor loan in Monmouth County was $554K, ranking 4th highest of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
14.5% of Monmouth County's investor loans financed a 2–4 unit property, ranking 6th 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 Monmouth County?
The most active investment-property lenders in Monmouth County in 2025 HMDA data were Loan Funder LLC; CROSSCOUNTRY MORTGAGE, INC.; and GUARANTEED RATE, INC., out of 172 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 Monmouth County, and matches each file to the one most likely to fund it.
Monmouth County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,287 loans and $713.4M from 172 lenders. Loan Funder LLC led Monmouth County with 97 loans, 7.5% of the county's total, and the average Monmouth County loan of $554K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 97 | $57.8M | $596K | 72.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 71 | $35.6M | $502K | 81.7% |
| GUARANTEED RATE, INC. | 69 | $36.0M | $521K | 71.0% |
| FM Home Loans, LLC | 53 | $35.9M | $677K | 60.4% |
| Kiavi Funding, Inc. | 45 | $23.8M | $529K | 97.8% |
| ICE LENDER HOLDINGS LLC | 38 | $37.6M | $991K | 31.6% |
| THE LOAN STORE, INC. | 36 | $17.6M | $488K | 63.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 35 | $13.4M | $383K | 65.7% |
| Rocket Mortgage, LLC | 32 | $14.1M | $439K | 28.1% |
| ARK MORTGAGE, INC. | 29 | $16.7M | $575K | 55.2% |
| Hometown Equity Mortgage, LLC | 28 | $9.9M | $355K | 21.4% |
| Skyrock Mortgage Corp | 26 | $11.1M | $427K | 61.5% |
| Advisors Mortgage Group, L.L.C. | 26 | $11.0M | $422K | 61.5% |
| BPL MORTGAGE TRUST, LLC | 26 | $10.8M | $416K | 11.5% |
| CHAMPIONS FUNDING, LLC | 25 | $12.1M | $485K | 36.0% |
| Manasquan Bank | 21 | $10.0M | $478K | 66.7% |
| Emporium TPO LLC | 19 | $14.8M | $779K | 57.9% |
| Logan Finance Corporation | 17 | $8.0M | $469K | 35.3% |
| Citadel Servicing Corporation | 17 | $7.1M | $416K | 41.2% |
| The Federal Savings Bank | 15 | $7.2M | $477K | 86.7% |
| OceanFirst Bank, National Association | 14 | $8.1M | $578K | 78.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $13.9M | $1069K | 0.0% |
| Stifel Bank and Trust | 13 | $10.1M | $774K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 13 | $7.8M | $603K | 46.2% |
| PENNYMAC LOAN SERVICES, LLC | 13 | $6.3M | $487K | 92.3% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Monmouth County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Monmouth County CSV, all 25 lenders
What Monmouth County's table can't show you: fit. Short-term financing is exempt from HMDA, so Monmouth County's fix-and-flip and bridge lenders barely appear among its 172 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 Monmouth County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Monmouth 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 — Monmouth County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 172 lenders and 1,287 loans: 2025 HMDA loan-level data rolled up to Monmouth County.
- Monmouth County investor-lender dataset (CSV) — All 25 Monmouth 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.