DSCR Loans in Pottawatomie County, Oklahoma
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, 50 lenders made 201 investment-property loans in Pottawatomie County, 1.9% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Pottawatomie County, Oklahoma, 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 $195,000.
Pottawatomie County investor market at a glance
| Statistic | Pottawatomie County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 201 | 10,662 | 8th of 19 |
| Reporting lenders | 50 | 418 | 13th of 19 |
| Loan volume | $28.4M | $1.93B | 12th of 19 |
| Average loan | $141K | $181K | 14th of 19 |
| Median loan | $105K | $145K | 15th of 19 |
| Purchases | 59.2% | 62.5% | 15th of 19 |
| Cash-out refinances | 8.5% | 8.7% | 7th of 19 |
| 2–4 unit properties | 10.9% | 13.2% | 13th of 19 |
| Top five lenders' share | 54.7% | 21.4% | 5th of 19 |
| Reported business-purpose | 75.6% | 63.5% | 2nd of 19 |
Pottawatomie County: closed-end loans on 1–4 unit investment properties. Pottawatomie County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Pottawatomie County's investor loans.
What stands out in Pottawatomie County
By share of investor loans reported as business-purpose, Pottawatomie County ranks 2nd-highest of Oklahoma's 19 counties with published data (statewide: 63.5%).
75.6% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Pottawatomie County was $105K, the 4th-lowest median of Oklahoma's 19 counties with published data (statewide: $145K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Pottawatomie County?
At HUD's fair market rent of $1,268 for a 3-bedroom in Pottawatomie County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Pottawatomie County's median home value is $165,400; at that price the payment is $1,063 a month, so the property would need $1,075 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) | $949 / $1,268 / $1,494 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $165,400 |
| Median property taxes and effective rate | $1,097 (0.66% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,063 |
| Rent needed to cover that payment | $1,075 |
| Coverage of a 3-bedroom at fair market rent | 1.19 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
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 Pottawatomie County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Pottawatomie County?
The most active investment-property lenders in Pottawatomie County in 2025 HMDA data were BancFirst, First United Bank and Trust Company and Sovereign Bank, out of 50 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 Pottawatomie County, and matches each file to the one most likely to fund it.
Pottawatomie County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 201 loans and $28.4M from 50 lenders. BancFirst led Pottawatomie County with 48 loans, 23.9% of the county's total, and the average Pottawatomie County loan of $141K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 48 | $6.9M | $143K | 62.5% |
| First United Bank and Trust Company | 23 | $3.1M | $133K | 65.2% |
| Sovereign Bank | 17 | $2.4M | $142K | 29.4% |
| Arvest Bank | 12 | $1.8M | $153K | 66.7% |
| Vision Bank | 10 | $1.7M | $172K | 90.0% |
| The Citizens Bank of Edmond | 9 | $1.2M | $131K | 77.8% |
| The Payne County Bank | 7 | $0.7M | $95K | 42.9% |
| RAIN CITY CAPITAL, LLC | 6 | $0.5M | $82K | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.8M | $188K | 25.0% |
| OCMBC, INC. | 4 | $0.6M | $150K | 75.0% |
| LENDINGONE, LLC | 4 | $0.4M | $98K | 75.0% |
| FIRST SECURITY BANK AND TRUST COMPANY | 3 | $0.6M | $185K | 66.7% |
| Loan Funder LLC | 3 | $0.4M | $135K | 33.3% |
| Bank 7 | 3 | $0.4M | $135K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.3M | $115K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.3M | $98K | 66.7% |
| BLUE SKY BANK | 2 | $0.7M | $345K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.3M | $170K | 100.0% |
| Mortgage Research Center, LLC | 2 | $0.3M | $130K | 100.0% |
| Archwest Funding | 2 | $0.3M | $125K | 0.0% |
| Armstrong Bank | 2 | $0.2M | $115K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.2M | $85K | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | $0.2M | $80K | 0.0% |
| Sooner State Bank | 2 | $0.1M | $60K | 50.0% |
| BOKF, National Association | 1 | $1.2M | $1235K | 0.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Pottawatomie County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Pottawatomie County CSV, all 25 lenders
What Pottawatomie County's table can't show you: fit. Short-term financing is exempt from HMDA, so Pottawatomie County's fix-and-flip and bridge lenders barely appear among its 50 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 →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 Pottawatomie County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Pottawatomie County, Oklahoma 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 — Pottawatomie County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 50 lenders and 201 loans: 2025 HMDA loan-level data rolled up to Pottawatomie County.
- Pottawatomie County investor-lender dataset (CSV) — All 25 lenders in the Pottawatomie County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Pottawatomie 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 Pottawatomie County, OK.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Pottawatomie 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.