DSCR Loans in Orange County, Texas
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 Orange 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, 36 lenders made 101 investment-property loans there, 0.2% of Texas's total; the most active are in the table below.
Orange County investor market at a glance
| Statistic | Orange County | Texas | County rank |
|---|---|---|---|
| Investor loans | 101 | 49,613 | 51st of 51 |
| Reporting lenders | 36 | 903 | 50th of 51 |
| Loan volume | $12.4M | $13.00B | 51st of 51 |
| Average loan | $123K | $262K | 50th of 51 |
| Median loan | $115K | $205K | 48th of 51 |
| Purchases | 48.5% | 61.7% | 47th of 51 |
| Cash-out refinances | 22.8% | 17.9% | 8th of 51 |
| 2–4 unit properties | 9.9% | 8.8% | 23rd of 51 |
| Top five lenders' share | 44.6% | 18.3% | 8th of 51 |
| Reported business-purpose | 67.3% | 68.5% | 24th of 51 |
Orange County: closed-end loans on 1–4 unit investment properties. Orange County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Orange County's investor loans.
What stands out in Orange County
The average investor loan in Orange County was $123K, the second-lowest average of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 44.6% of Orange County's investor loans, ranking 8th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 44.6% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Orange County?
The most active investment-property lenders in Orange County in 2025 HMDA data were First Financial Bank, Neches Federal Credit Union and BRIDGE CITY STATE BANK, out of 36 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 Orange County, and matches each file to the one most likely to fund it.
Orange County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 101 loans and $12.4M from 36 lenders. First Financial Bank led Orange County with 15 loans, 14.9% of the county's total, and the average Orange County loan of $123K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Financial Bank | 15 | $1.6M | $104K | 80.0% |
| Neches Federal Credit Union | 9 | $0.8M | $89K | 22.2% |
| BRIDGE CITY STATE BANK | 8 | $0.8M | $105K | 50.0% |
| FIVEPOINT CREDIT UNION | 7 | $0.8M | $111K | 42.9% |
| LEI:254900CTT87ZKAUTIJ37 | 6 | $1.0M | $173K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $0.5M | $95K | 60.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $0.9M | $233K | 50.0% |
| DUGOOD FEDERAL CREDIT UNION | 3 | $0.5M | $152K | 33.3% |
| Kiavi Funding, Inc. | 3 | $0.4M | $142K | 66.7% |
| OCMBC, INC. | 3 | $0.4M | $132K | 33.3% |
| MCT CREDIT UNION | 3 | $0.3M | $105K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.3M | $88K | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.2M | $78K | 33.3% |
| KIND LENDING, LLC | 2 | $0.4M | $200K | 50.0% |
| Third Coast Bank, SSB | 2 | $0.4M | $185K | 50.0% |
| NFM, INC. | 2 | $0.3M | $125K | 0.0% |
| ZILLOW HOME LOANS, LLC | 2 | $0.2M | $100K | 100.0% |
| EDUCATION FIRST | 2 | $0.2M | $100K | 100.0% |
| ROYAL UNITED MORTGAGE LLC | 2 | $0.2M | $85K | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 1 | $0.3M | $295K | 0.0% |
| Sabine Federal Credit Union | 1 | $0.2M | $215K | 100.0% |
| Emporium TPO LLC | 1 | $0.2M | $175K | 0.0% |
| AMWEST FUNDING CORP. | 1 | $0.2M | $165K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | $0.2M | $155K | 0.0% |
| Loan Funder LLC | 1 | $0.1M | $145K | 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 Orange County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Orange County CSV, all 25 lenders
What Orange County's table can't show you: fit. Short-term financing is exempt from HMDA, so Orange County's fix-and-flip and bridge lenders barely appear among its 36 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 Orange County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Orange 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 — Orange County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 36 lenders and 101 loans: 2025 HMDA loan-level data rolled up to Orange County.
- Orange County investor-lender dataset (CSV) — All 25 Orange County lenders in the table, First Financial 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.