DSCR Loans in Oregon

What stands out in Oregon

• The five most active lenders wrote 16.4% of Oregon's investor loans, the 7th-lowest share of the 50 states and DC (national figure: 21.9%).

  Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.

• 23.2% of Oregon's investor loans were cash-out refinances, the 10th-highest share of the 50 states and DC (national figure: 18.8%).

  On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.

• 56.3% of Oregon's investor loans were purchases, the 10th-lowest share of the 50 states and DC (national figure: 59.2%).

  Refinances are a larger share here than in most of the 50 states and DC. A DSCR refinance qualifies on the property's current rent.

Who are the DSCR and investment-property lenders in Oregon?

The most active investment-property lenders in Oregon in 2025 HMDA data were United Wholesale Mortgage; RAIN CITY CAPITAL, LLC; and THE LOAN STORE, INC., out of 316 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 Oregon, and matches each file to the one most likely to fund it.

Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Oregon's 2025 filings to closed-end loans on 1–4 unit investment properties: 4,893 loans totaling $1.80B across 316 lenders. These were the most active.

Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 316 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Oregon lending data page covers this table on its own.

Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.

Sources

• CFPB / FFIEC HMDA Data Browser — Oregon's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 316 lenders and 4,893 loans: 2025 HMDA loan-level data.
• Oregon investor-lender dataset (CSV) — Every Oregon lender behind the table above, with volume, average loan and purchase share for each.
• Oregon investor lending data, Dominick Prevete — The Oregon table on its own, with the state's concentration figures and the method behind them.
• 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.

More on Oregon

• Who lends on investment property in Oregon: the state's HMDA table on its own →
• DSCR loans in all 50 states →