DSCR Loans in Oklahoma County, Oklahoma
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)
In 2025 HMDA data, 226 lenders made 2,984 investment-property loans in Oklahoma County, 28.0% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Oklahoma 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 $255,000.
Oklahoma County investor market at a glance
| Statistic | Oklahoma County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 2,984 | 10,662 | 1st of 19 |
| Reporting lenders | 226 | 418 | 1st of 19 |
| Loan volume | $559.7M | $1.93B | 1st of 19 |
| Average loan | $188K | $181K | 6th of 19 |
| Median loan | $145K | $145K | 10th of 19 |
| Purchases | 61.7% | 62.5% | 12th of 19 |
| Cash-out refinances | 11.8% | 8.7% | 3rd of 19 |
| 2–4 unit properties | 13.6% | 13.2% | 10th of 19 |
| Top five lenders' share | 20.8% | 21.4% | 19th of 19 |
| Reported business-purpose | 59.0% | 63.5% | 15th of 19 |
Oklahoma County: closed-end loans on 1–4 unit investment properties. Oklahoma County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Oklahoma County's investor loans.
What stands out in Oklahoma County
The five most active lenders wrote 20.8% of Oklahoma County's investor loans, the lowest share of Oklahoma's 19 counties with published data (statewide: 21.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
11.8% of Oklahoma County's investor loans were cash-out refinances, the 3rd-highest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Oklahoma County?
At HUD's fair market rent of $1,713 for a 3-bedroom in Oklahoma County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Oklahoma County's median home value is $222,900; at that price the payment is $1,489 a month, so the property would need $1,500 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) | $1,264 / $1,713 / $1,923 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $222,900 |
| Median property taxes and effective rate | $2,155 (0.97% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,489 |
| Rent needed to cover that payment | $1,500 |
| Coverage of a 3-bedroom at fair market rent | 1.15 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $375,000 |
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 Oklahoma County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Oklahoma County?
The most active investment-property lenders in Oklahoma County in 2025 HMDA data were BancFirst, FIRST SECURITY BANK AND TRUST COMPANY and First United Bank and Trust Company, out of 226 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 one that reported in Oklahoma County, and matches each file to the one most likely to fund it.
Oklahoma County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 2,984 loans and $559.7M from 226 lenders. BancFirst led Oklahoma County with 242 loans, 8.1% of the county's total, and the average Oklahoma County loan of $188K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 242 | $47.3M | $195K | 71.9% |
| FIRST SECURITY BANK AND TRUST COMPANY | 120 | $22.5M | $187K | 82.5% |
| First United Bank and Trust Company | 91 | $16.6M | $182K | 63.7% |
| First National Bank Of Oklahoma | 85 | $15.8M | $186K | 64.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 84 | $13.2M | $158K | 47.6% |
| Sooner State Bank | 81 | $12.9M | $159K | 64.2% |
| The Central Trust Bank | 74 | $15.5M | $210K | 67.6% |
| VALOR BANK | 73 | $14.0M | $192K | 71.2% |
| CV3 FINANCIAL SERVICES, LLC | 73 | $11.9M | $163K | 43.8% |
| BPL MORTGAGE TRUST, LLC | 71 | $10.1M | $143K | 5.6% |
| Kiavi Funding, Inc. | 66 | $12.9M | $196K | 66.7% |
| Frontier State Bank | 65 | $9.9M | $152K | 36.9% |
| FNB Community Bank | 60 | $14.4M | $240K | 83.3% |
| Bank 7 | 59 | $14.7M | $250K | 78.0% |
| Sovereign Bank | 58 | $11.4M | $196K | 39.7% |
| The Citizens Bank of Edmond | 58 | $11.1M | $191K | 44.8% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 55 | $8.3M | $151K | 45.5% |
| MidFirst Bank | 51 | $9.0M | $176K | 62.7% |
| LEI:894500DJMVO6OSILQJ58 | 49 | $9.5M | $195K | 61.2% |
| Legacy Bank | 46 | $8.8M | $191K | 69.6% |
| First Enterprise Bank | 44 | $11.7M | $266K | 77.3% |
| McClain Bank | 44 | $5.8M | $132K | 6.8% |
| Arvest Bank | 40 | $7.9M | $197K | 70.0% |
| First Bethany Bank & Trust | 40 | $6.8M | $169K | 67.5% |
| F&M Bank | 39 | $7.5M | $192K | 30.8% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Oklahoma County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Oklahoma County CSV, all 25 lenders
What Oklahoma County's table can't show you: fit. Short-term financing is exempt from HMDA, so Oklahoma County's fix-and-flip and bridge lenders barely appear among its 226 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 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 Oklahoma County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Oklahoma 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 — Oklahoma County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 226 lenders and 2,984 loans: 2025 HMDA loan-level data rolled up to Oklahoma County.
- Oklahoma County investor-lender dataset (CSV) — All 25 lenders in the Oklahoma County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Oklahoma 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 Oklahoma City, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Oklahoma 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.