DSCR Loans in Rogers County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 59 lenders made 156 investment-property loans in Rogers County, 1.5% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Rogers County, Oklahoma, 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 $245,000.
Rogers County investor market at a glance
| Statistic | Rogers County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 156 | 10,662 | 12th of 19 |
| Reporting lenders | 59 | 418 | 9th of 19 |
| Loan volume | $28.7M | $1.93B | 11th of 19 |
| Average loan | $184K | $181K | 7th of 19 |
| Median loan | $155K | $145K | 8th of 19 |
| Purchases | 65.4% | 62.5% | 8th of 19 |
| Cash-out refinances | 10.9% | 8.7% | 4th of 19 |
| 2–4 unit properties | 10.3% | 13.2% | 14th of 19 |
| Top five lenders' share | 35.9% | 21.4% | 14th of 19 |
| Reported business-purpose | 71.8% | 63.5% | 5th of 19 |
Rogers County: closed-end loans on 1–4 unit investment properties. Rogers County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rogers County's investor loans.
What stands out in Rogers County
10.9% of Rogers County's investor loans were cash-out refinances, the 4th-highest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Rogers County's 156 investor loans ranked 12th of Oklahoma's 19 counties with published data.
Does a DSCR loan pencil in Rogers County?
At HUD's fair market rent of $1,611 for a 3-bedroom in Rogers County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Rogers County's median home value is $240,500; at that price the payment is $1,563 a month, so the property would need $1,575 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,229 / $1,611 / $1,882 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $240,500 |
| Median property taxes and effective rate | $1,806 (0.75% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,563 |
| Rent needed to cover that payment | $1,575 |
| Coverage of a 3-bedroom at fair market rent | 1.03 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
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 Rogers County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Rogers County?
The most active investment-property lenders in Rogers County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; RCB Bank; and BancFirst, out of 59 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 Rogers County, and matches each file to the one most likely to fund it.
Rogers County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 156 loans and $28.7M from 59 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Rogers County with 19 loans, 12.2% of the county's total, and the average Rogers County loan of $184K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | $3.0M | $160K | 94.7% |
| RCB Bank | 18 | $2.3M | $128K | 61.1% |
| BancFirst | 7 | $1.4M | $204K | 42.9% |
| First United Bank and Trust Company | 6 | $1.0M | $163K | 66.7% |
| ASSOCIATED MORTGAGE CORPORATION | 6 | $0.9M | $148K | 66.7% |
| PANORAMA MORTGAGE GROUP, LLC | 6 | $0.7M | $110K | 100.0% |
| LEI:254900467HCJ72XZNJ32 | 5 | $2.0M | $391K | 100.0% |
| Armstrong Bank | 5 | $1.2M | $235K | 40.0% |
| American Bank of Oklahoma | 4 | $1.2M | $290K | 75.0% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $0.9M | $238K | 100.0% |
| Kiavi Funding, Inc. | 4 | $0.8M | $200K | 75.0% |
| Gateway First Bank | 3 | $1.7M | $565K | 66.7% |
| Security Bank | 3 | $0.7M | $228K | 66.7% |
| Firstar Bank | 3 | $0.6M | $202K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $0.4M | $128K | 0.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.4M | $125K | 66.7% |
| Rocket Mortgage, LLC | 3 | $0.3M | $112K | 66.7% |
| Stride Bank, National Association | 2 | $0.8M | $390K | 100.0% |
| THE MORTGAGE LINK, INC. | 2 | $0.5M | $250K | 100.0% |
| First Bank of Owasso | 2 | $0.5M | $225K | 100.0% |
| Equity Bank | 2 | $0.4M | $210K | 50.0% |
| Mabrey Bank | 2 | $0.3M | $170K | 50.0% |
| Arvest Bank | 2 | $0.3M | $165K | 0.0% |
| First Pryority Bank | 2 | $0.3M | $135K | 0.0% |
| LEI:984500RF83EA742B5589 | 2 | $0.3M | $125K | 0.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Rogers County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Rogers County CSV, all 25 lenders
What Rogers County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rogers County's fix-and-flip and bridge lenders barely appear among its 59 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 Rogers County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rogers County, Oklahoma 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 — Rogers County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 156 loans: 2025 HMDA loan-level data rolled up to Rogers County.
- Rogers County investor-lender dataset (CSV) — All 25 lenders in the Rogers County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Rogers 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 Tulsa, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Rogers 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.