DSCR Loans in Rock County, Wisconsin
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, 78 lenders made 250 investment-property loans in Rock County, 2.8% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Rock County, Wisconsin, 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 $220,000.
Rock County investor market at a glance
| Statistic | Rock County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 250 | 8,874 | 7th of 17 |
| Reporting lenders | 78 | 462 | 7th of 17 |
| Loan volume | $43.8M | $1.96B | 11th of 17 |
| Average loan | $175K | $221K | 15th of 17 |
| Median loan | $155K | $175K | 11th of 17 |
| Purchases | 60.4% | 59.3% | 9th of 17 |
| Cash-out refinances | 12.0% | 16.9% | 11th of 17 |
| 2–4 unit properties | 39.6% | 41.0% | 11th of 17 |
| Top five lenders' share | 26.0% | 14.2% | 14th of 17 |
| Reported business-purpose | 56.0% | 66.8% | 14th of 17 |
Rock County: closed-end loans on 1–4 unit investment properties. Rock County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rock County's investor loans.
What stands out in Rock County
The average investor loan in Rock County was $175K, the 3rd-lowest average of Wisconsin's 17 counties with published data (statewide: $221K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
56.0% of Rock County's investor loans were reported as business-purpose, the 4th-lowest share of Wisconsin's 17 counties with published data (statewide: 66.8%).
Fewer investor loans here were reported as business-purpose than in most of Wisconsin. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
The five most active lenders wrote 26.0% of Rock County's investor loans, the 4th-lowest share of Wisconsin's 17 counties with published data (statewide: 14.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Rock County?
At HUD's fair market rent of $1,621 for a 3-bedroom in Rock County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Rock County's median home value is $231,600; at that price the payment is $1,669 a month, so the property would need $1,675 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,280 / $1,621 / $1,682 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $231,600 |
| Median property taxes and effective rate | $3,703 (1.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,669 |
| Rent needed to cover that payment | $1,675 |
| Coverage of a 3-bedroom at fair market rent | 0.97 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
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 Rock County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Rock County?
The most active investment-property lenders in Rock County in 2025 HMDA data were The Bank of Brodhead, First Community Bank and GREENSTATE Credit Union, out of 78 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 two that reported in Rock County, and matches each file to the one most likely to fund it.
Rock County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 250 loans and $43.8M from 78 lenders. The Bank of Brodhead led Rock County with 15 loans, 6.0% of the county's total, and the average Rock County loan of $175K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Bank of Brodhead | 15 | $3.4M | $229K | 60.0% |
| First Community Bank | 14 | $2.6M | $183K | 57.1% |
| GREENSTATE Credit Union | 13 | $1.9M | $148K | 84.6% |
| Johnson Financial Group | 12 | $2.4M | $196K | 66.7% |
| Bank of Deerfield | 11 | $1.7M | $156K | 81.8% |
| The Bank of New Glarus | 10 | $1.4M | $138K | 60.0% |
| CBI Bank & Trust | 10 | $0.9M | $93K | 40.0% |
| Bank of Milton | 8 | $2.1M | $261K | 75.0% |
| EDUCATORS CREDIT UNION | 8 | $1.3M | $156K | 25.0% |
| One Community Bank | 7 | $1.7M | $249K | 71.4% |
| Lake Ridge Bank | 6 | $1.2M | $195K | 100.0% |
| Mound City Bank | 6 | $0.8M | $140K | 0.0% |
| PremierBank | 6 | $0.7M | $110K | 50.0% |
| First Mid Bank & Trust, National Association | 6 | $0.6M | $100K | 33.3% |
| Bank CMG | 5 | $0.9M | $171K | 60.0% |
| Kiavi Funding, Inc. | 5 | $0.9M | $171K | 80.0% |
| THOMPSON KANE & COMPANY, INC | 5 | $0.7M | $143K | 100.0% |
| Rocket Mortgage, LLC | 5 | $0.6M | $111K | 40.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $1.5M | $370K | 50.0% |
| Fairway Independent Mortgage Corporation | 4 | $0.8M | $208K | 100.0% |
| Barrington Bank & Trust Company, National Association | 4 | $0.7M | $165K | 25.0% |
| Sauk Valley Bank & Trust Company | 4 | $0.5M | $128K | 50.0% |
| Blackhawk Community Credit Union | 4 | $0.4M | $110K | 25.0% |
| Nations Lending Corporation | 3 | $0.7M | $232K | 100.0% |
| The First National Bank and Trust Company | 3 | $0.4M | $145K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Rock County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Rock County CSV, all 25 lenders
What Rock County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rock County's fix-and-flip and bridge lenders barely appear among its 78 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Rock County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Rock County |
|---|---|---|---|
| Walworth County, WI | 157 | 87 | Borders Rock County |
| Winnebago County, IL | 739 | 110 | Borders Rock County |
| Dane County, WI | 637 | 103 | Borders Rock County |
| McHenry County, IL | 328 | 103 | About 40 miles away |
Run the coverage test on your Rock County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rock County, Wisconsin 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 — Rock County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 78 lenders and 250 loans: 2025 HMDA loan-level data rolled up to Rock County.
- Rock County investor-lender dataset (CSV) — All 25 lenders in the Rock County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Rock 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 Janesville-Beloit, WI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Rock 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.