DSCR Loans in Sarpy County, Nebraska
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 82 lenders made 258 investment-property loans in Sarpy County, 6.8% of Nebraska's total. Dominick Prevete arranges DSCR loans across Sarpy County, Nebraska, 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 $260,000.
Sarpy County investor market at a glance
| Statistic | Sarpy County | Nebraska | County rank |
|---|---|---|---|
| Investor loans | 258 | 3,768 | 3rd of 3 |
| Reporting lenders | 82 | 235 | 3rd of 3 |
| Loan volume | $62.6M | $727.8M | 3rd of 3 |
| Average loan | $243K | $193K | 1st of 3 |
| Median loan | $185K | $155K | 1st of 3 |
| Purchases | 60.5% | 62.3% | 3rd of 3 |
| Cash-out refinances | 10.5% | 7.5% | 1st of 3 |
| 2–4 unit properties | 6.2% | 21.9% | 3rd of 3 |
| Top five lenders' share | 32.6% | 24.0% | 2nd of 3 |
| Reported business-purpose | 58.9% | 54.6% | 2nd of 3 |
Sarpy County: closed-end loans on 1–4 unit investment properties. Sarpy County's rank is highest first, among Nebraska's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sarpy County's investor loans.
What stands out in Sarpy County
The average investor loan in Sarpy County was $243K, the highest average of Nebraska's 3 counties with published data (statewide: $193K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
6.2% of Sarpy County's investor loans financed a 2–4 unit property, the lowest share of Nebraska's 3 counties with published data (statewide: 21.9%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
60.5% of Sarpy County's investor loans were purchases, the lowest share of Nebraska's 3 counties with published data (statewide: 62.3%).
Refinances are a larger share here than in most of Nebraska. A DSCR refinance qualifies on the property's current rent.
Does a DSCR loan pencil in Sarpy County?
At HUD's fair market rent of $1,924 for a 3-bedroom in Sarpy County, Nebraska, a rental covers its full DSCR payment up to a purchase price of about $260,000, with 20% down at the 7.25% starting rate (November 2026). Sarpy County's median home value is $314,100; at that price the payment is $2,301 a month, so the property would need $2,325 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) | $1,450 / $1,924 / $2,179 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $314,100 |
| Median property taxes and effective rate | $5,473 (1.74% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,301 |
| Rent needed to cover that payment | $2,325 |
| Coverage of a 3-bedroom at fair market rent | 0.84 |
| Highest price a 3-bedroom at fair market rent covers | about $260,000 |
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 Sarpy County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sarpy County?
The most active investment-property lenders in Sarpy County in 2025 HMDA data were Pinnacle Bank; DHI MORTGAGE COMPANY, LTD.; and VERIDIAN CREDIT UNION, out of 82 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.
Sarpy County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 258 loans and $62.6M from 82 lenders. Pinnacle Bank led Sarpy County with 32 loans, 12.4% of the county's total, and the average Sarpy County loan of $243K compares with $193K across Nebraska.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Pinnacle Bank | 32 | $13.2M | $414K | 43.8% |
| DHI MORTGAGE COMPANY, LTD. | 15 | $3.6M | $240K | 100.0% |
| VERIDIAN CREDIT UNION | 13 | $3.0M | $233K | 61.5% |
| FOUR POINTS | 12 | $2.4M | $201K | 100.0% |
| Union Bank and Trust Company | 12 | $2.2M | $186K | 91.7% |
| CMG MORTGAGE, INC. | 10 | $1.7M | $171K | 10.0% |
| United Wholesale Mortgage | 10 | $1.6M | $162K | 50.0% |
| Rocket Mortgage, LLC | 8 | $1.3M | $160K | 25.0% |
| Frontier Bank | 7 | $1.6M | $231K | 71.4% |
| Arbor Bank | 6 | $1.8M | $298K | 50.0% |
| WEST GATE BANK | 6 | $1.4M | $242K | 83.3% |
| F&M Bank | 6 | $1.3M | $222K | 33.3% |
| First National Bank of Omaha | 5 | $0.9M | $173K | 60.0% |
| CHARTER WEST BANK | 5 | $0.6M | $125K | 80.0% |
| Access Bank | 4 | $1.5M | $370K | 75.0% |
| Citizens Bank, National Association | 4 | $0.9M | $223K | 75.0% |
| Northwest Bank | 4 | $0.8M | $193K | 100.0% |
| THE LOAN STORE, INC. | 4 | $0.7M | $170K | 25.0% |
| Loan Funder LLC | 4 | $0.6M | $153K | 0.0% |
| Citizens State Bank | 3 | $0.9M | $315K | 66.7% |
| CENTRIS | 3 | $0.9M | $308K | 0.0% |
| Dayspring Bank | 3 | $0.6M | $192K | 66.7% |
| COMMERCIAL STATE BANK | 3 | $0.5M | $182K | 100.0% |
| FLAT BRANCH MORTGAGE, INC. | 3 | $0.5M | $182K | 100.0% |
| Lincoln FSB of Nebraska | 3 | $0.4M | $148K | 66.7% |
67 Nebraska loans (1.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sarpy County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Sarpy County CSV, all 25 lenders
What Sarpy County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sarpy County's fix-and-flip and bridge lenders barely appear among its 82 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 Sarpy County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Sarpy County |
|---|---|---|---|
| Douglas County, NE | 1,310 | 154 | Borders Sarpy County |
| Pottawattamie County, IA | 311 | 61 | Borders Sarpy County |
| Lancaster County, NE | 824 | 104 | About 40 miles away |
| Woodbury County, IA | 299 | 36 | About 90 miles away |
Run the coverage test on your Sarpy County, Nebraska deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sarpy County, Nebraska 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 — Sarpy County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 82 lenders and 258 loans: 2025 HMDA loan-level data rolled up to Sarpy County.
- Sarpy County investor-lender dataset (CSV) — All 25 lenders in the Sarpy County, Nebraska table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sarpy 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 Omaha-Council Bluffs, NE-IA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sarpy 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.