DSCR Loans in Parker 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 Parker 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, 101 lenders made 226 investment-property loans there, 0.5% of Texas's total; the most active are in the table below.
Parker County investor market at a glance
| Statistic | Parker County | Texas | County rank |
|---|---|---|---|
| Investor loans | 226 | 49,613 | 38th of 51 |
| Reporting lenders | 101 | 903 | 28th of 51 |
| Loan volume | $80.7M | $13.00B | 28th of 51 |
| Average loan | $357K | $262K | 2nd of 51 |
| Median loan | $250K | $205K | 5th of 51 |
| Purchases | 62.8% | 61.7% | 24th of 51 |
| Cash-out refinances | 15.5% | 17.9% | 32nd of 51 |
| 2–4 unit properties | 13.3% | 8.8% | 15th of 51 |
| Top five lenders' share | 20.8% | 18.3% | 49th of 51 |
| Reported business-purpose | 69.5% | 68.5% | 15th of 51 |
Parker County: closed-end loans on 1–4 unit investment properties. Parker County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Parker County's investor loans.
What stands out in Parker County
The average investor loan in Parker County was $357K, the second-highest average of Texas's 51 counties with published data (statewide: $262K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
13.3% of Parker County's investor loans financed a 2–4 unit property, ranking 15th highest of Texas's 51 counties with published data (statewide: 8.8%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Who are the DSCR and investment-property lenders in Parker County?
The most active investment-property lenders in Parker County in 2025 HMDA data were First Financial Bank, First Bank and TexasBank, out of 101 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.
Parker County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 226 loans and $80.7M from 101 lenders. First Financial Bank led Parker County with 12 loans, 5.3% of the county's total, and the average Parker County loan of $357K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Financial Bank | 12 | $9.4M | $781K | 41.7% |
| First Bank | 10 | $9.3M | $926K | 90.0% |
| TexasBank | 9 | $3.4M | $383K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $2.4M | $263K | 22.2% |
| Rocket Mortgage, LLC | 7 | $1.8M | $262K | 57.1% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $1.3M | $222K | 33.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 6 | $1.0M | $160K | 16.7% |
| LEI:549300MG89EBZCEXXT24 | 5 | $1.7M | $347K | 100.0% |
| First United Bank and Trust Company | 5 | $1.7M | $341K | 100.0% |
| Community National Bank & Trust of Texas | 5 | $1.6M | $325K | 80.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $1.4M | $271K | 60.0% |
| Citadel Servicing Corporation | 5 | $1.3M | $253K | 80.0% |
| HOMEXPRESS MORTGAGE CORP. | 5 | $1.1M | $219K | 40.0% |
| Paramount Residential Mortgage Group, Inc. | 4 | $1.4M | $358K | 75.0% |
| Hometown Equity Mortgage, LLC | 4 | $1.2M | $290K | 25.0% |
| First National Bank and Trust Company of Weatherford | 4 | $0.5M | $128K | 25.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | $1.2M | $408K | 0.0% |
| SFMC, LP | 3 | $1.1M | $362K | 66.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | $0.9M | $308K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | $0.9M | $298K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.9M | $295K | 100.0% |
| KIND LENDING, LLC | 3 | $0.9M | $288K | 100.0% |
| NEWREZ LLC | 3 | $0.6M | $195K | 33.3% |
| CMG MORTGAGE, INC. | 3 | $0.5M | $165K | 100.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | $0.4M | $142K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Parker County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Parker County CSV, all 25 lenders
What Parker County's table can't show you: fit. Short-term financing is exempt from HMDA, so Parker County's fix-and-flip and bridge lenders barely appear among its 101 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 →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 Parker County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Parker 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 — Parker County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 101 lenders and 226 loans: 2025 HMDA loan-level data rolled up to Parker County.
- Parker County investor-lender dataset (CSV) — All 25 Parker 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.