DSCR Loans in Oxford County, Maine
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 45 lenders made 102 investment-property loans in Oxford County, 5.7% of Maine's total. Dominick Prevete arranges DSCR loans across Oxford County, Maine, 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 $250,000.
Oxford County investor market at a glance
| Statistic | Oxford County | Maine | County rank |
|---|---|---|---|
| Investor loans | 102 | 1,783 | 6th of 6 |
| Reporting lenders | 45 | 196 | 5th of 6 |
| Loan volume | $33.0M | $571.4M | 5th of 6 |
| Average loan | $323K | $320K | 3rd of 6 |
| Median loan | $265K | $265K | 3rd of 6 |
| Purchases | 71.6% | 60.9% | 1st of 6 |
| Cash-out refinances | 7.8% | 14.9% | 6th of 6 |
| 2–4 unit properties | 26.5% | 35.6% | 6th of 6 |
| Top five lenders' share | 43.1% | 27.0% | 3rd of 6 |
| Reported business-purpose | 65.7% | 69.3% | 6th of 6 |
Oxford County: closed-end loans on 1–4 unit investment properties. Oxford County's rank is highest first, among Maine's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Oxford County's investor loans.
What stands out in Oxford County
7.8% of Oxford County's investor loans were cash-out refinances, the lowest share of Maine's 6 counties with published data (statewide: 14.9%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
71.6% of Oxford County's investor loans were purchases, the highest share of Maine's 6 counties with published data (statewide: 60.9%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
65.7% of Oxford County's investor loans were reported as business-purpose, the lowest share of Maine's 6 counties with published data (statewide: 69.3%).
Fewer investor loans here were reported as business-purpose than in most of Maine. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Oxford County?
At HUD's fair market rent of $1,695 for a 3-bedroom in Oxford County, Maine, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Oxford County's median home value is $217,300; at that price the payment is $1,457 a month, so the property would need $1,475 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) | $1,224 / $1,695 / $2,046 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $217,300 |
| Median property taxes and effective rate | $2,162 (0.99% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,457 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 1.16 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
| HUD area | Oxford County, ME |
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 Oxford County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Oxford County?
The most active investment-property lenders in Oxford County in 2025 HMDA data were United Wholesale Mortgage; Maine Community Bank; and CROSSCOUNTRY MORTGAGE, INC., out of 45 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 and matches each file to the one most likely to fund it.
Oxford County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 102 loans and $33.0M from 45 lenders. United Wholesale Mortgage led Oxford County with 17 loans, 16.7% of the county's total, and the average Oxford County loan of $323K compares with $320K across Maine.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 17 | $5.8M | $344K | 76.5% |
| Maine Community Bank | 12 | $2.3M | $189K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $2.5M | $503K | 100.0% |
| CMG MORTGAGE, INC. | 5 | $2.0M | $401K | 100.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.3M | $261K | 100.0% |
| Rocket Mortgage, LLC | 5 | $1.0M | $197K | 20.0% |
| Androscoggin Savings Bank | 4 | $1.1M | $285K | 75.0% |
| Norway Savings Bank | 4 | $1.0M | $250K | 100.0% |
| Loandepot.Com, LLC | 3 | $1.9M | $618K | 66.7% |
| GUARANTEED RATE, INC. | 3 | $1.6M | $542K | 66.7% |
| NexBank | 2 | $1.6M | $805K | 50.0% |
| DAS Acquisition Company, LLC | 2 | $0.5M | $250K | 100.0% |
| Bangor Savings Bank | 2 | $0.3M | $165K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.3M | $165K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 1 | $1.0M | $965K | 100.0% |
| ROSS MORTGAGE COMPANY, INC. | 1 | $0.7M | $705K | 100.0% |
| NEWREZ LLC | 1 | $0.7M | $705K | 100.0% |
| KIND LENDING, LLC | 1 | $0.7M | $665K | 100.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | $0.5M | $465K | 100.0% |
| Saco & Biddeford Savings Institution | 1 | $0.4M | $445K | 100.0% |
| Wells Fargo Bank, National Association | 1 | $0.4M | $425K | 100.0% |
| Bank of America, National Association | 1 | $0.4M | $405K | 100.0% |
| Hometown Equity Mortgage, LLC | 1 | $0.4M | $395K | 0.0% |
| KeyBank National Association | 1 | $0.3M | $335K | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 1 | $0.3M | $325K | 100.0% |
12 Maine loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Oxford County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Oxford County CSV, all 25 lenders
What Oxford County's table can't show you: fit. Short-term financing is exempt from HMDA, so Oxford County's fix-and-flip and bridge lenders barely appear among its 45 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 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 Oxford County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Oxford County |
|---|---|---|---|
| Cumberland County, ME | 343 | 93 | Borders Oxford County |
| Androscoggin County, ME | 107 | 44 | Borders Oxford County |
| Carroll County, NH | 135 | 77 | Borders Oxford County |
| York County, ME | 358 | 98 | Borders Oxford County |
| Kennebec County, ME | 192 | 53 | About 50 miles away |
| Penobscot County, ME | 193 | 55 | About 120 miles away |
Run the coverage test on your Oxford County, Maine deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Oxford County, Maine 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 — Oxford County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 45 lenders and 102 loans: 2025 HMDA loan-level data rolled up to Oxford County.
- Oxford County investor-lender dataset (CSV) — All 25 lenders in the Oxford County, Maine table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Oxford 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 Oxford County, ME.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Oxford 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.