DSCR Loans in Nueces 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 Nueces 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, 146 lenders made 791 investment-property loans there, 1.6% of Texas's total; the most active are in the table below.
Nueces County investor market at a glance
| Statistic | Nueces County | Texas | County rank |
|---|---|---|---|
| Investor loans | 791 | 49,613 | 14th of 51 |
| Reporting lenders | 146 | 903 | 17th of 51 |
| Loan volume | $207.3M | $13.00B | 13th of 51 |
| Average loan | $262K | $262K | 15th of 51 |
| Median loan | $175K | $205K | 31st of 51 |
| Purchases | 48.5% | 61.7% | 47th of 51 |
| Cash-out refinances | 17.7% | 17.9% | 23rd of 51 |
| 2–4 unit properties | 9.2% | 8.8% | 26th of 51 |
| Top five lenders' share | 40.7% | 18.3% | 14th of 51 |
| Reported business-purpose | 76.1% | 68.5% | 4th of 51 |
Nueces County: closed-end loans on 1–4 unit investment properties. Nueces County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Nueces County's investor loans.
What stands out in Nueces County
The five most active lenders wrote 40.7% of Nueces County's investor loans, ranking 14th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 40.7% of the loans here, so comparing written term sheets matters more.
By share of investor loans reported as business-purpose, Nueces County ranks 4th highest of Texas's 51 counties with published data (statewide: 68.5%).
76.1% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Who are the DSCR and investment-property lenders in Nueces County?
The most active investment-property lenders in Nueces County in 2025 HMDA data were Simmons Bank; First Community Bank; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 146 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 Nueces County, and matches each file to the one most likely to fund it.
Nueces County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 791 loans and $207.3M from 146 lenders. Simmons Bank led Nueces County with 187 loans, 23.6% of the county's total, and the average Nueces County loan of $262K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Simmons Bank | 187 | $35.7M | $191K | 32.1% |
| First Community Bank | 37 | $8.0M | $216K | 75.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 36 | $7.4M | $205K | 55.6% |
| Charter Bank | 35 | $7.4M | $212K | 54.3% |
| HOMEXPRESS MORTGAGE CORP. | 27 | $6.7M | $246K | 11.1% |
| Prosperity Bank | 25 | $4.9M | $197K | 80.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | $4.4M | $175K | 36.0% |
| RALLY CREDIT UNION | 19 | $2.3M | $123K | 26.3% |
| DHI MORTGAGE COMPANY, LTD. | 14 | $2.9M | $209K | 100.0% |
| Kiavi Funding, Inc. | 14 | $2.9M | $209K | 50.0% |
| Kleberg Bank, N.A. | 13 | $6.4M | $490K | 76.9% |
| Hometown Equity Mortgage, LLC | 12 | $4.5M | $371K | 41.7% |
| COASTLIFE CREDIT UNION | 11 | $5.0M | $456K | 0.0% |
| American Bank, National Association | 11 | $4.6M | $422K | 63.6% |
| LENNAR MORTGAGE, LLC | 11 | $2.0M | $179K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | $1.7M | $158K | 45.5% |
| CHAMPIONS FUNDING, LLC | 10 | $2.4M | $237K | 40.0% |
| Rocket Mortgage, LLC | 10 | $2.0M | $199K | 30.0% |
| THE LOAN STORE, INC. | 10 | $1.8M | $179K | 50.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 10 | $1.7M | $173K | 60.0% |
| Emporium TPO LLC | 9 | $2.9M | $322K | 44.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 8 | $4.0M | $495K | 25.0% |
| A&D Mortgage LLC | 8 | $2.1M | $268K | 62.5% |
| AMWEST FUNDING CORP. | 8 | $1.7M | $208K | 62.5% |
| Easy Street Capital, LLC | 8 | $1.2M | $148K | 0.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Nueces County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Nueces County CSV, all 25 lenders
What Nueces County's table can't show you: fit. Short-term financing is exempt from HMDA, so Nueces County's fix-and-flip and bridge lenders barely appear among its 146 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 Nueces County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Nueces 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 — Nueces County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 146 lenders and 791 loans: 2025 HMDA loan-level data rolled up to Nueces County.
- Nueces County investor-lender dataset (CSV) — All 25 Nueces County lenders in the table, Simmons Bank 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.