DSCR Loans in Randall 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 Randall 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, 70 lenders made 369 investment-property loans there, 0.7% of Texas's total; the most active are in the table below.
Randall County investor market at a glance
| Statistic | Randall County | Texas | County rank |
|---|---|---|---|
| Investor loans | 369 | 49,613 | 27th of 51 |
| Reporting lenders | 70 | 903 | 38th of 51 |
| Loan volume | $74.3M | $13.00B | 30th of 51 |
| Average loan | $201K | $262K | 34th of 51 |
| Median loan | $165K | $205K | 35th of 51 |
| Purchases | 68.6% | 61.7% | 14th of 51 |
| Cash-out refinances | 12.5% | 17.9% | 39th of 51 |
| 2–4 unit properties | 10.0% | 8.8% | 22nd of 51 |
| Top five lenders' share | 48.2% | 18.3% | 5th of 51 |
| Reported business-purpose | 83.2% | 68.5% | 2nd of 51 |
Randall County: closed-end loans on 1–4 unit investment properties. Randall County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Randall County's investor loans.
What stands out in Randall County
By share of investor loans reported as business-purpose, Randall County ranks second-highest of Texas's 51 counties with published data (statewide: 68.5%).
83.2% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The five most active lenders wrote 48.2% of Randall County's investor loans, ranking 5th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 48.2% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Randall County?
The most active investment-property lenders in Randall County in 2025 HMDA data were Amarillo National Bank, Prosperity Bank and First United Bank, out of 70 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 Randall County, and matches each file to the one most likely to fund it.
Randall County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 369 loans and $74.3M from 70 lenders. Amarillo National Bank led Randall County with 50 loans, 13.6% of the county's total, and the average Randall County loan of $201K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Amarillo National Bank | 50 | $8.7M | $174K | 94.0% |
| Prosperity Bank | 46 | $9.1M | $197K | 91.3% |
| First United Bank | 28 | $5.8M | $208K | 89.3% |
| Access Community Credit Union | 28 | $4.1M | $148K | 42.9% |
| UNION HOME MORTGAGE CORP. | 26 | $6.1M | $236K | 38.5% |
| FirstBank Southwest | 26 | $3.5M | $135K | 65.4% |
| Western Bank | 22 | $6.2M | $280K | 63.6% |
| Texas Tech Federal Credit Union | 17 | $4.6M | $273K | 70.6% |
| Centennial Bank | 14 | $2.5M | $180K | 71.4% |
| ALLIANCE CREDIT UNION | 11 | $2.4M | $219K | 90.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.3M | $218K | 66.7% |
| Education Credit Union | 6 | $1.1M | $175K | 66.7% |
| ASSOCIATED MORTGAGE CORPORATION | 4 | $0.7M | $163K | 75.0% |
| Rocket Mortgage, LLC | 4 | $0.6M | $140K | 25.0% |
| FlexPoint, Inc. | 4 | $0.5M | $128K | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | $0.5M | $125K | 100.0% |
| Easy Street Capital, LLC | 4 | $0.4M | $98K | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 3 | $0.6M | $205K | 33.3% |
| Kiavi Funding, Inc. | 3 | $0.6M | $195K | 66.7% |
| The First National Bank of Granbury | 2 | $1.3M | $635K | 100.0% |
| Legend Bank, N.A. | 2 | $0.9M | $450K | 100.0% |
| First National Bank of Hereford | 2 | $0.6M | $295K | 100.0% |
| Herring Bank | 2 | $0.5M | $225K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.4M | $205K | 100.0% |
| Citadel Servicing Corporation | 2 | $0.4M | $195K | 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 Randall County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Randall County CSV, all 25 lenders
What Randall County's table can't show you: fit. Short-term financing is exempt from HMDA, so Randall County's fix-and-flip and bridge lenders barely appear among its 70 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 Randall County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Randall 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 — Randall County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 70 lenders and 369 loans: 2025 HMDA loan-level data rolled up to Randall County.
- Randall County investor-lender dataset (CSV) — All 25 Randall County lenders in the table, Amarillo National 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.