DSCR Loans in Rockwall County, Texas
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)
Dominick Prevete arranges DSCR loans across Rockwall 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, 98 lenders made 216 investment-property loans there, 0.4% of Texas's total; the most active are in the table below.
Rockwall County investor market at a glance
| Statistic | Rockwall County | Texas | County rank |
|---|---|---|---|
| Investor loans | 216 | 49,613 | 40th of 51 |
| Reporting lenders | 98 | 903 | 29th of 51 |
| Loan volume | $65.8M | $13.00B | 33rd of 51 |
| Average loan | $305K | $262K | 8th of 51 |
| Median loan | $245K | $205K | 6th of 51 |
| Purchases | 66.2% | 61.7% | 17th of 51 |
| Cash-out refinances | 19.9% | 17.9% | 16th of 51 |
| 2–4 unit properties | 0.9% | 8.8% | 51st of 51 |
| Top five lenders' share | 24.1% | 18.3% | 43rd of 51 |
| Reported business-purpose | 64.8% | 68.5% | 33rd of 51 |
Rockwall County: closed-end loans on 1–4 unit investment properties. Rockwall County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rockwall County's investor loans.
What stands out in Rockwall County
0.9% of Rockwall County's investor loans financed a 2–4 unit property, the lowest share of Texas's 51 counties with published data (statewide: 8.8%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The average investor loan in Rockwall County was $305K, ranking 8th highest of Texas's 51 counties with published data (statewide: $262K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Who are the DSCR and investment-property lenders in Rockwall County?
The most active investment-property lenders in Rockwall County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; DHI MORTGAGE COMPANY, LTD.; and CHAMPIONS FUNDING, LLC, out of 98 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 Rockwall County, and matches each file to the one most likely to fund it.
Rockwall County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 216 loans and $65.8M from 98 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Rockwall County with 18 loans, 8.3% of the county's total, and the average Rockwall County loan of $305K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | $4.6M | $258K | 66.7% |
| DHI MORTGAGE COMPANY, LTD. | 13 | $2.9M | $223K | 100.0% |
| CHAMPIONS FUNDING, LLC | 8 | $4.2M | $528K | 25.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $2.4M | $346K | 100.0% |
| THE LOAN STORE, INC. | 6 | $1.5M | $252K | 50.0% |
| NEWREZ LLC | 5 | $1.5M | $305K | 60.0% |
| Rocket Mortgage, LLC | 5 | $1.5M | $293K | 80.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 5 | $1.4M | $289K | 40.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.8M | $445K | 75.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $1.1M | $280K | 50.0% |
| NexBank | 4 | $1.1M | $265K | 75.0% |
| NEXERA HOLDING LLC | 4 | $1.0M | $253K | 75.0% |
| First United Bank and Trust Company | 4 | $1.0M | $248K | 100.0% |
| Kiavi Funding, Inc. | 4 | $0.9M | $238K | 50.0% |
| AMWEST FUNDING CORP. | 4 | $0.8M | $208K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $1.5M | $495K | 66.7% |
| Fairway Independent Mortgage Corporation | 3 | $1.1M | $372K | 66.7% |
| CMG MORTGAGE, INC. | 3 | $0.8M | $275K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $0.7M | $248K | 100.0% |
| OCMBC, INC. | 3 | $0.7M | $232K | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | $0.7M | $228K | 66.7% |
| GUILD MORTGAGE COMPANY | 3 | $0.6M | $208K | 100.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | $0.6M | $202K | 100.0% |
| General Mortgage Capital Corporation | 3 | $0.6M | $192K | 66.7% |
| Inwood National Bank | 3 | $0.5M | $165K | 33.3% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Rockwall County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Rockwall County CSV, all 25 lenders
What Rockwall County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rockwall County's fix-and-flip and bridge lenders barely appear among its 98 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 Rockwall County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rockwall 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 — Rockwall County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 98 lenders and 216 loans: 2025 HMDA loan-level data rolled up to Rockwall County.
- Rockwall County investor-lender dataset (CSV) — All 25 Rockwall County lenders in the table, UNITED SHORE FINANCIAL SERVICES, LLC 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.