DSCR Loans in Montgomery 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 Montgomery 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, 238 lenders made 1,507 investment-property loans there, 3.0% of Texas's total; the most active are in the table below.
Montgomery County investor market at a glance
| Statistic | Montgomery County | Texas | County rank |
|---|---|---|---|
| Investor loans | 1,507 | 49,613 | 8th of 51 |
| Reporting lenders | 238 | 903 | 8th of 51 |
| Loan volume | $380.8M | $13.00B | 8th of 51 |
| Average loan | $253K | $262K | 19th of 51 |
| Median loan | $205K | $205K | 20th of 51 |
| Purchases | 76.7% | 61.7% | 4th of 51 |
| Cash-out refinances | 11.3% | 17.9% | 42nd of 51 |
| 2–4 unit properties | 3.5% | 8.8% | 45th of 51 |
| Top five lenders' share | 27.9% | 18.3% | 29th of 51 |
| Reported business-purpose | 68.5% | 68.5% | 19th of 51 |
Montgomery County: closed-end loans on 1–4 unit investment properties. Montgomery County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Montgomery County's investor loans.
What stands out in Montgomery County
76.7% of Montgomery County's investor loans were purchases, ranking 4th highest of Texas's 51 counties with published data (statewide: 61.7%).
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.
The five most active lenders wrote 27.9% of Montgomery County's investor loans, ranking 29th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 27.9% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Montgomery County?
The most active investment-property lenders in Montgomery County in 2025 HMDA data were LENNAR MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and AMWEST FUNDING CORP., out of 238 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 Montgomery County, and matches each file to the one most likely to fund it.
Montgomery County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,507 loans and $380.8M from 238 lenders. LENNAR MORTGAGE, LLC led Montgomery County with 141 loans, 9.4% of the county's total, and the average Montgomery County loan of $253K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 141 | $23.2M | $165K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 115 | $25.2M | $219K | 65.2% |
| AMWEST FUNDING CORP. | 86 | $20.1M | $233K | 94.2% |
| Hometown Equity Mortgage, LLC | 42 | $11.7M | $279K | 71.4% |
| CHAMPIONS FUNDING, LLC | 36 | $9.1M | $254K | 47.2% |
| THE LOAN STORE, INC. | 33 | $8.2M | $249K | 75.8% |
| Rocket Mortgage, LLC | 31 | $6.8M | $219K | 61.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 31 | $6.3M | $202K | 83.9% |
| CMG MORTGAGE, INC. | 28 | $5.4M | $192K | 82.1% |
| HOMEXPRESS MORTGAGE CORP. | 27 | $7.5M | $278K | 59.3% |
| NFM, INC. | 25 | $5.4M | $215K | 84.0% |
| Loandepot.Com, LLC | 23 | $4.9M | $215K | 95.7% |
| OCMBC, INC. | 21 | $4.6M | $219K | 47.6% |
| Kiavi Funding, Inc. | 20 | $5.4M | $272K | 80.0% |
| JPMorgan Chase Bank, National Association | 19 | $5.3M | $277K | 73.7% |
| KIND LENDING, LLC | 18 | $5.2M | $287K | 66.7% |
| Fidelity Lending Solutions, Inc. | 18 | $4.0M | $220K | 100.0% |
| A&D Mortgage LLC | 16 | $5.1M | $321K | 56.2% |
| Fairway Independent Mortgage Corporation | 15 | $3.7M | $246K | 73.3% |
| DEEPHAVEN MORTGAGE LLC | 15 | $3.4M | $224K | 86.7% |
| DHI MORTGAGE COMPANY, LTD. | 15 | $2.8M | $184K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 14 | $10.9M | $779K | 71.4% |
| LEGEND LENDING CORPORATION | 14 | $3.2M | $230K | 64.3% |
| AMERICAN HERITAGE LENDING, LLC | 13 | $4.3M | $330K | 92.3% |
| Citadel Servicing Corporation | 13 | $3.4M | $264K | 61.5% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Montgomery County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Montgomery County CSV, all 25 lenders
What Montgomery County's table can't show you: fit. Short-term financing is exempt from HMDA, so Montgomery County's fix-and-flip and bridge lenders barely appear among its 238 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 Montgomery County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Montgomery 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 — Montgomery County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 238 lenders and 1,507 loans: 2025 HMDA loan-level data rolled up to Montgomery County.
- Montgomery County investor-lender dataset (CSV) — All 25 Montgomery County lenders in the table, LENNAR MORTGAGE, 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.