DSCR Loans in Peoria County, Illinois
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 67 lenders made 390 investment-property loans in Peoria County, 2.1% of Illinois's total. Dominick Prevete arranges DSCR loans across Peoria County, Illinois, 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 $200,000.
Peoria County investor market at a glance
| Statistic | Peoria County | Illinois | County rank |
|---|---|---|---|
| Investor loans | 390 | 19,010 | 11th of 20 |
| Reporting lenders | 67 | 610 | 12th of 20 |
| Loan volume | $41.3M | $5.59B | 14th of 20 |
| Average loan | $106K | $294K | 19th of 20 |
| Median loan | $85K | $175K | 17th of 20 |
| Purchases | 68.2% | 61.9% | 7th of 20 |
| Cash-out refinances | 14.1% | 18.5% | 11th of 20 |
| 2–4 unit properties | 17.4% | 22.4% | 13th of 20 |
| Top five lenders' share | 53.3% | 20.7% | 6th of 20 |
| Reported business-purpose | 67.9% | 68.0% | 7th of 20 |
Peoria County: closed-end loans on 1–4 unit investment properties. Peoria County's rank is highest first, among Illinois's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Peoria County's investor loans.
What stands out in Peoria County
The median investor loan in Peoria County was $85K, the 2nd-lowest median of Illinois's 20 counties with published data (statewide: $175K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Peoria County's 390 investor loans ranked 11th of Illinois's 20 counties with published data.
Does a DSCR loan pencil in Peoria County?
At HUD's fair market rent of $1,557 for a 3-bedroom in Peoria County, Illinois, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Peoria County's median home value is $158,500; at that price the payment is $1,227 a month, so the property would need $1,250 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) | $1,212 / $1,557 / $1,710 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $158,500 |
| Median property taxes and effective rate | $3,552 (2.24% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,227 |
| Rent needed to cover that payment | $1,250 |
| Coverage of a 3-bedroom at fair market rent | 1.27 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
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 Peoria County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Peoria County?
The most active investment-property lenders in Peoria County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; CITIZENS EQUITY FIRST; and INB, National Association, 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 and matches each file to the one most likely to fund it.
Peoria County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 390 loans and $41.3M from 67 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Peoria County with 75 loans, 19.2% of the county's total, and the average Peoria County loan of $106K compares with $294K across Illinois.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 75 | $5.3M | $71K | 73.3% |
| CITIZENS EQUITY FIRST | 39 | $4.8M | $124K | 76.9% |
| INB, National Association | 33 | $3.5M | $106K | 39.4% |
| Morton Community Bank | 32 | $3.0M | $93K | 87.5% |
| Goodfield State Bank | 29 | $4.3M | $149K | 48.3% |
| Better Banks | 14 | $1.7M | $124K | 57.1% |
| FLAT BRANCH MORTGAGE, INC. | 14 | $1.2M | $89K | 92.9% |
| First State Bank of Forrest | 14 | $1.0M | $70K | 57.1% |
| Midwest Bank | 11 | $1.5M | $136K | 72.7% |
| Fortress Bank | 10 | $1.0M | $100K | 80.0% |
| BPL MORTGAGE TRUST, LLC | 8 | $0.8M | $104K | 62.5% |
| CBI Bank & Trust | 7 | $1.3M | $184K | 14.3% |
| MLD MORTGAGE INC. | 5 | $0.5M | $105K | 100.0% |
| Loan Funder LLC | 5 | $0.3M | $69K | 60.0% |
| COMPASS MORTGAGE, INC. | 5 | $0.3M | $57K | 100.0% |
| State Bank of Toulon | 4 | $0.6M | $140K | 100.0% |
| First Mid Bank & Trust, National Association | 4 | $0.5M | $133K | 75.0% |
| Heartland Bank and Trust Company | 4 | $0.4M | $108K | 75.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $0.4M | $95K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 4 | $0.3M | $73K | 0.0% |
| Rocket Mortgage, LLC | 4 | $0.2M | $58K | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | $0.5M | $172K | 100.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | $0.5M | $165K | 66.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.4M | $128K | 33.3% |
| LENDINGONE, LLC | 3 | $0.3M | $88K | 66.7% |
388 Illinois loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Peoria County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Peoria County CSV, all 25 lenders
What Peoria County's table can't show you: fit. Short-term financing is exempt from HMDA, so Peoria 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 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 Peoria County, Illinois deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Peoria County, Illinois 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 — Peoria County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 67 lenders and 390 loans: 2025 HMDA loan-level data rolled up to Peoria County.
- Peoria County investor-lender dataset (CSV) — All 25 lenders in the Peoria County, Illinois table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Peoria 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 Peoria, IL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Peoria 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.