DSCR Loans in Muskogee County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 37 lenders made 147 investment-property loans in Muskogee County, 1.4% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Muskogee County, Oklahoma, 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 $185,000.
Muskogee County investor market at a glance
| Statistic | Muskogee County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 147 | 10,662 | 13th of 19 |
| Reporting lenders | 37 | 418 | 16th of 19 |
| Loan volume | $19.6M | $1.93B | 16th of 19 |
| Average loan | $133K | $181K | 15th of 19 |
| Median loan | $105K | $145K | 15th of 19 |
| Purchases | 52.4% | 62.5% | 19th of 19 |
| Cash-out refinances | 9.5% | 8.7% | 5th of 19 |
| 2–4 unit properties | 10.2% | 13.2% | 15th of 19 |
| Top five lenders' share | 55.8% | 21.4% | 4th of 19 |
| Reported business-purpose | 75.5% | 63.5% | 3rd of 19 |
Muskogee County: closed-end loans on 1–4 unit investment properties. Muskogee County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Muskogee County's investor loans.
What stands out in Muskogee County
52.4% of Muskogee County's investor loans were purchases, the lowest share of Oklahoma's 19 counties with published data (statewide: 62.5%).
Refinances are a larger share here than in most of Oklahoma. A DSCR refinance qualifies on the property's current rent.
By share of investor loans reported as business-purpose, Muskogee County ranks 3rd-highest of Oklahoma's 19 counties with published data (statewide: 63.5%).
75.5% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Muskogee County was $105K, the 4th-lowest median of Oklahoma's 19 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Muskogee County?
At HUD's fair market rent of $1,195 for a 3-bedroom in Muskogee County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $185,000, with 20% down at the 7.25% starting rate (November 2026). Muskogee County's median home value is $153,200; at that price the payment is $985 a month, so the property would need $1,000 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $949 / $1,195 / $1,363 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $153,200 |
| Median property taxes and effective rate | $1,021 (0.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $985 |
| Rent needed to cover that payment | $1,000 |
| Coverage of a 3-bedroom at fair market rent | 1.21 |
| Highest price a 3-bedroom at fair market rent covers | about $185,000 |
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 Muskogee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Muskogee County?
The most active investment-property lenders in Muskogee County in 2025 HMDA data were Armstrong Bank, Firstar Bank and Local Bank, out of 37 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 and matches each file to the one most likely to fund it.
Muskogee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 147 loans and $19.6M from 37 lenders. Armstrong Bank led Muskogee County with 27 loans, 18.4% of the county's total, and the average Muskogee County loan of $133K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Armstrong Bank | 27 | $3.1M | $114K | 51.9% |
| Firstar Bank | 24 | $2.1M | $88K | 50.0% |
| Local Bank | 11 | $2.9M | $261K | 54.5% |
| American Bank of Oklahoma | 11 | $0.9M | $81K | 72.7% |
| BancFirst | 9 | $0.7M | $83K | 44.4% |
| Arvest Bank | 8 | $0.8M | $96K | 75.0% |
| Easy Street Capital, LLC | 4 | $0.8M | $195K | 0.0% |
| LEI:984500RF83EA742B5589 | 4 | $0.8M | $193K | 25.0% |
| Mabrey Bank | 4 | $0.3M | $68K | 50.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 3 | $0.7M | $238K | 66.7% |
| Bank of Commerce | 3 | $0.5M | $162K | 100.0% |
| The Bank, National Association | 3 | $0.4M | $145K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.3M | $108K | 100.0% |
| RAIN CITY CAPITAL, LLC | 3 | $0.3M | $98K | 0.0% |
| Regent Bank | 2 | $0.3M | $160K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.2M | $120K | 0.0% |
| LEI:254900467HCJ72XZNJ32 | 2 | $0.2M | $85K | 100.0% |
| Prosperity Bank | 2 | $0.2M | $85K | 50.0% |
| Rocket Mortgage, LLC | 2 | $0.2M | $85K | 0.0% |
| Broker Solutions, Inc. | 2 | $0.1M | $65K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.1M | $50K | 50.0% |
| SpiritBank | 1 | $1.6M | $1625K | 100.0% |
| Chickasaw Community Bank | 1 | $0.2M | $245K | 100.0% |
| Loan Funder LLC | 1 | $0.2M | $235K | 100.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | $0.2M | $205K | 0.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Muskogee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Muskogee County CSV, all 25 lenders
What Muskogee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Muskogee County's fix-and-flip and bridge lenders barely appear among its 37 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 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 Muskogee County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Muskogee County, Oklahoma 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 — Muskogee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 37 lenders and 147 loans: 2025 HMDA loan-level data rolled up to Muskogee County.
- Muskogee County investor-lender dataset (CSV) — All 25 lenders in the Muskogee County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Muskogee 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 Muskogee County, OK.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Muskogee 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.