DSCR Loans in Potter County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Potter 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, 44 lenders made 198 investment-property loans there, 0.4% of Texas's total; the most active are in the table below.
Potter County investor market at a glance
| Statistic | Potter County | Texas | County rank |
|---|---|---|---|
| Investor loans | 198 | 49,613 | 43rd of 51 |
| Reporting lenders | 44 | 903 | 48th of 51 |
| Loan volume | $25.9M | $13.00B | 47th of 51 |
| Average loan | $131K | $262K | 49th of 51 |
| Median loan | $115K | $205K | 48th of 51 |
| Purchases | 57.1% | 61.7% | 38th of 51 |
| Cash-out refinances | 22.7% | 17.9% | 9th of 51 |
| 2–4 unit properties | 20.7% | 8.8% | 5th of 51 |
| Top five lenders' share | 48.5% | 18.3% | 4th of 51 |
| Reported business-purpose | 85.4% | 68.5% | 1st of 51 |
Potter County: closed-end loans on 1–4 unit investment properties. Potter County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Potter County's investor loans.
What stands out in Potter County
By share of investor loans reported as business-purpose, Potter County ranks highest of Texas's 51 counties with published data (statewide: 68.5%).
85.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The average investor loan in Potter County was $131K, the third-lowest average of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Potter County?
The most active investment-property lenders in Potter County in 2025 HMDA data were Access Community Credit Union, FirstBank Southwest and Amarillo National Bank, out of 44 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 Potter County, and matches each file to the one most likely to fund it.
Potter County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 198 loans and $25.9M from 44 lenders. Access Community Credit Union led Potter County with 24 loans, 12.1% of the county's total, and the average Potter County loan of $131K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Access Community Credit Union | 24 | $3.7M | $155K | 75.0% |
| FirstBank Southwest | 24 | $3.1M | $129K | 62.5% |
| Amarillo National Bank | 18 | $2.2M | $120K | 77.8% |
| Prosperity Bank | 16 | $2.1M | $134K | 93.8% |
| Western Bank | 14 | $2.0M | $140K | 21.4% |
| Centennial Bank | 9 | $0.9M | $95K | 66.7% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | $0.9M | $115K | 0.0% |
| First United Bank | 7 | $1.3M | $185K | 57.1% |
| Hometown Equity Mortgage, LLC | 7 | $0.8M | $111K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $0.7M | $106K | 71.4% |
| BPL MORTGAGE TRUST, LLC | 6 | $0.9M | $145K | 83.3% |
| ALLIANCE CREDIT UNION | 6 | $0.7M | $118K | 83.3% |
| Education Credit Union | 6 | $0.5M | $90K | 50.0% |
| Kiavi Funding, Inc. | 5 | $0.8M | $151K | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $0.4M | $145K | 33.3% |
| THE LOAN STORE, INC. | 2 | $0.4M | $205K | 50.0% |
| First National Bank of Hereford | 2 | $0.3M | $155K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.3M | $125K | 0.0% |
| PREMIER LENDING, INC. | 2 | $0.3M | $125K | 50.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | $0.3M | $125K | 50.0% |
| Loan Funder LLC | 2 | $0.2M | $95K | 50.0% |
| RIGHT START MORTGAGE, INC. | 2 | $0.1M | $75K | 100.0% |
| Rocket Mortgage, LLC | 2 | $0.1M | $70K | 50.0% |
| LEI:5493004T38NMC864VL66 | 2 | $0.1M | $65K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | $0.3M | $285K | 0.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Potter County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Potter County CSV, all 25 lenders
What Potter County's table can't show you: fit. Short-term financing is exempt from HMDA, so Potter County's fix-and-flip and bridge lenders barely appear among its 44 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 Potter County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Potter 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 — Potter County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 44 lenders and 198 loans: 2025 HMDA loan-level data rolled up to Potter County.
- Potter County investor-lender dataset (CSV) — All 25 Potter County lenders in the table, Access Community Credit Union 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.