DSCR Loans in Outagamie County, Wisconsin
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, 67 lenders made 282 investment-property loans in Outagamie County, 3.2% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Outagamie County, Wisconsin, 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 $245,000.
Outagamie County investor market at a glance
| Statistic | Outagamie County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 282 | 8,874 | 6th of 17 |
| Reporting lenders | 67 | 462 | 9th of 17 |
| Loan volume | $66.0M | $1.96B | 7th of 17 |
| Average loan | $234K | $221K | 6th of 17 |
| Median loan | $185K | $175K | 6th of 17 |
| Purchases | 63.8% | 59.3% | 6th of 17 |
| Cash-out refinances | 18.8% | 16.9% | 5th of 17 |
| 2–4 unit properties | 46.1% | 41.0% | 6th of 17 |
| Top five lenders' share | 38.7% | 14.2% | 10th of 17 |
| Reported business-purpose | 63.8% | 66.8% | 10th of 17 |
Outagamie County: closed-end loans on 1–4 unit investment properties. Outagamie County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Outagamie County's investor loans.
What stands out in Outagamie County
Outagamie County's 282 investor loans ranked 6th of Wisconsin's 17 counties with published data.
Does a DSCR loan pencil in Outagamie County?
At HUD's fair market rent of $1,739 for a 3-bedroom in Outagamie County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Outagamie County's median home value is $267,300; at that price the payment is $1,876 a month, so the property would need $1,900 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,256 / $1,739 / $1,952 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $267,300 |
| Median property taxes and effective rate | $3,668 (1.37% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,876 |
| Rent needed to cover that payment | $1,900 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $355,000 |
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 Outagamie County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Outagamie County?
The most active investment-property lenders in Outagamie County in 2025 HMDA data were Community First, Nicolet National Bank and FOX COMMUNITIES Credit Union, out of 67 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 Outagamie County, and matches each file to the one most likely to fund it.
Outagamie County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 282 loans and $66.0M from 67 lenders. Community First led Outagamie County with 31 loans, 11.0% of the county's total, and the average Outagamie County loan of $234K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community First | 31 | $5.3M | $172K | 29.0% |
| Nicolet National Bank | 30 | $6.4M | $213K | 90.0% |
| FOX COMMUNITIES Credit Union | 24 | $5.2M | $218K | 66.7% |
| West Pointe Bank | 12 | $2.9M | $242K | 83.3% |
| United Wholesale Mortgage | 12 | $2.1M | $178K | 33.3% |
| UNISON CREDIT UNION | 12 | $1.6M | $133K | 58.3% |
| Kiavi Funding, Inc. | 8 | $2.0M | $254K | 87.5% |
| HOMEXPRESS MORTGAGE CORP. | 8 | $2.0M | $254K | 12.5% |
| BLC Community Bank | 8 | $1.9M | $235K | 87.5% |
| East Wisconsin Savings Bank | 8 | $1.4M | $180K | 62.5% |
| CAPITAL Credit Union | 7 | $2.2M | $314K | 28.6% |
| COVANTAGE CREDIT UNION | 7 | $1.6M | $224K | 42.9% |
| Bristol Morgan Bank | 7 | $1.6M | $222K | 85.7% |
| Premier Community Bank | 6 | $1.6M | $268K | 100.0% |
| Wolf River Community Bank | 6 | $1.4M | $240K | 50.0% |
| VERVE, A CREDIT UNION | 5 | $1.4M | $287K | 40.0% |
| Rocket Mortgage, LLC | 5 | $1.0M | $195K | 60.0% |
| The Bank of Kaukauna | 5 | $0.9M | $183K | 40.0% |
| Nations Lending Corporation | 5 | $0.8M | $159K | 60.0% |
| Wings Financial Credit Union | 4 | $2.2M | $555K | 100.0% |
| U.S. Bank National Association | 4 | $0.8M | $198K | 50.0% |
| GUILD MORTGAGE COMPANY | 4 | $0.4M | $95K | 25.0% |
| UIF CORPORATION | 3 | $1.0M | $335K | 100.0% |
| Hometown Equity Mortgage, LLC | 3 | $0.8M | $262K | 100.0% |
| Wells Fargo Bank, National Association | 3 | $0.5M | $178K | 66.7% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Outagamie County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Outagamie County CSV, all 25 lenders
What Outagamie County's table can't show you: fit. Short-term financing is exempt from HMDA, so Outagamie County's fix-and-flip and bridge lenders barely appear among its 67 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 →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.
Counties near Outagamie County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Outagamie County |
|---|---|---|---|
| Brown County, WI | 384 | 77 | Borders Outagamie County |
| Winnebago County, WI | 249 | 65 | Borders Outagamie County |
| Fond du Lac County, WI | 121 | 42 | About 45 miles away |
| Manitowoc County, WI | 186 | 50 | About 45 miles away |
| Marathon County, WI | 193 | 42 | About 70 miles away |
Run the coverage test on your Outagamie County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Outagamie County, Wisconsin 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 — Outagamie County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 67 lenders and 282 loans: 2025 HMDA loan-level data rolled up to Outagamie County.
- Outagamie County investor-lender dataset (CSV) — All 25 lenders in the Outagamie County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Outagamie 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 Appleton, WI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Outagamie 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.