DSCR Loans in Rockingham County, New Hampshire
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, 108 lenders made 243 investment-property loans in Rockingham County, 16.1% of New Hampshire's total. Dominick Prevete arranges DSCR loans across Rockingham County, New Hampshire, 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 $390,000.
Rockingham County investor market at a glance
| Statistic | Rockingham County | New Hampshire | County rank |
|---|---|---|---|
| Investor loans | 243 | 1,514 | 2nd of 7 |
| Reporting lenders | 108 | 229 | 2nd of 7 |
| Loan volume | $107.7M | $566.5M | 2nd of 7 |
| Average loan | $443K | $374K | 2nd of 7 |
| Median loan | $385K | $335K | 1st of 7 |
| Purchases | 62.6% | 63.1% | 5th of 7 |
| Cash-out refinances | 19.8% | 20.3% | 3rd of 7 |
| 2–4 unit properties | 25.5% | 36.5% | 5th of 7 |
| Top five lenders' share | 18.1% | 19.7% | 7th of 7 |
| Reported business-purpose | 69.1% | 69.4% | 5th of 7 |
Rockingham County: closed-end loans on 1–4 unit investment properties. Rockingham County's rank is highest first, among New Hampshire's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rockingham County's investor loans.
What stands out in Rockingham County
The median investor loan in Rockingham County was $385K, the highest median of New Hampshire's 7 counties with published data (statewide: $335K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 18.1% of Rockingham County's investor loans, the lowest share of New Hampshire's 7 counties with published data (statewide: 19.7%).
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 Rockingham County?
At HUD's fair market rent of $2,820 for a 3-bedroom in Rockingham County, New Hampshire, a rental covers its full DSCR payment up to a purchase price of about $390,000, with 20% down at the 7.25% starting rate (November 2026). Rockingham County's median home value is $497,500; at that price the payment is $3,576 a month, so the property would need $3,600 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) | $2,367 / $2,820 / $3,111 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $497,500 |
| Median property taxes and effective rate | $7,839 (1.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,576 |
| Rent needed to cover that payment | $3,600 |
| Coverage of a 3-bedroom at fair market rent | 0.79 |
| Highest price a 3-bedroom at fair market rent covers | about $390,000 |
| HUD area | Lawrence, MA-NH HUD Metro FMR Area |
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 Rockingham County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Rockingham County?
The most active investment-property lenders in Rockingham County in 2025 HMDA data were United Wholesale Mortgage; CMG MORTGAGE, INC.; and EMM LOANS LLC, out of 108 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.
Rockingham County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 243 loans and $107.7M from 108 lenders. United Wholesale Mortgage led Rockingham County with 14 loans, 5.8% of the county's total, and the average Rockingham County loan of $443K compares with $374K across New Hampshire.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 14 | $5.1M | $364K | 57.1% |
| CMG MORTGAGE, INC. | 8 | $3.3M | $414K | 87.5% |
| EMM LOANS LLC | 8 | $2.6M | $328K | 75.0% |
| GUARANTEED RATE, INC. | 7 | $4.1M | $589K | 100.0% |
| Newburyport Five Cents Savings Bank | 7 | $4.0M | $568K | 85.7% |
| Loandepot.Com, LLC | 7 | $2.9M | $421K | 28.6% |
| MOVEMENT MORTGAGE, LLC | 7 | $2.8M | $398K | 71.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $2.5M | $358K | 85.7% |
| Rocket Mortgage, LLC | 7 | $2.1M | $295K | 57.1% |
| Hometown Equity Mortgage, LLC | 6 | $2.7M | $447K | 16.7% |
| Kennebunk Savings Bank | 5 | $6.4M | $1273K | 60.0% |
| Loan Funder LLC | 5 | $2.1M | $417K | 20.0% |
| Bangor Savings Bank | 5 | $1.8M | $353K | 60.0% |
| Citizens Bank, National Association | 5 | $1.0M | $207K | 80.0% |
| NEWREZ LLC | 4 | $1.8M | $458K | 25.0% |
| Enterprise Bank and Trust Company | 4 | $1.5M | $375K | 75.0% |
| Fairway Independent Mortgage Corporation | 3 | $1.9M | $632K | 100.0% |
| Rockland Trust Company | 3 | $1.7M | $578K | 100.0% |
| First Seacoast Bank | 3 | $1.7M | $558K | 66.7% |
| CCG Fund 1, LLC | 3 | $1.6M | $522K | 66.7% |
| Sierra Pacific Mortgage Company, Inc. | 3 | $1.5M | $512K | 66.7% |
| Salem Five Cents Savings Bank | 3 | $1.5M | $495K | 33.3% |
| The Lowell Five Cent Savings Bank | 3 | $1.5M | $485K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $1.2M | $398K | 33.3% |
| JPMorgan Chase Bank, National Association | 3 | $1.2M | $395K | 100.0% |
15 New Hampshire loans (1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Rockingham County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Rockingham County CSV, all 25 lenders
What Rockingham County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rockingham County's fix-and-flip and bridge lenders barely appear among its 108 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 →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 Rockingham County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Rockingham County |
|---|---|---|---|
| Strafford County, NH | 138 | 62 | Borders Rockingham County |
| Essex County, MA | 972 | 180 | Borders Rockingham County |
| Hillsborough County, NH | 473 | 117 | Borders Rockingham County |
| Merrimack County, NH | 137 | 65 | Borders Rockingham County |
| York County, ME | 358 | 98 | Borders Rockingham County |
Run the coverage test on your Rockingham County, New Hampshire deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rockingham County, New Hampshire 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 — Rockingham County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 108 lenders and 243 loans: 2025 HMDA loan-level data rolled up to Rockingham County.
- Rockingham County investor-lender dataset (CSV) — All 25 lenders in the Rockingham County, New Hampshire table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Rockingham 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 Lawrence, MA-NH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Rockingham 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.