DSCR Loans in Schuylkill County, Pennsylvania
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 78 lenders made 244 investment-property loans in Schuylkill County, 1.0% of Pennsylvania's total. Dominick Prevete arranges DSCR loans across Schuylkill County, Pennsylvania, 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 $195,000.
Schuylkill County investor market at a glance
| Statistic | Schuylkill County | Pennsylvania | County rank |
|---|---|---|---|
| Investor loans | 244 | 24,181 | 21st of 35 |
| Reporting lenders | 78 | 587 | 19th of 35 |
| Loan volume | $30.9M | $5.10B | 25th of 35 |
| Average loan | $127K | $211K | 31st of 35 |
| Median loan | $105K | $175K | 30th of 35 |
| Purchases | 62.3% | 55.3% | 16th of 35 |
| Cash-out refinances | 19.3% | 21.3% | 12th of 35 |
| 2–4 unit properties | 30.3% | 26.5% | 10th of 35 |
| Top five lenders' share | 29.9% | 20.4% | 26th of 35 |
| Reported business-purpose | 75.0% | 77.2% | 15th of 35 |
Schuylkill County: closed-end loans on 1–4 unit investment properties. Schuylkill County's rank is highest first, among Pennsylvania's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Schuylkill County's investor loans.
What stands out in Schuylkill County
The median investor loan in Schuylkill County was $105K, the 4th-lowest median of Pennsylvania's 35 counties with published data (statewide: $175K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Schuylkill County's 244 investor loans ranked 21st of Pennsylvania's 35 counties with published data.
Does a DSCR loan pencil in Schuylkill County?
At HUD's fair market rent of $1,392 for a 3-bedroom in Schuylkill County, Pennsylvania, a rental covers its full DSCR payment up to a purchase price of about $195,000, with 20% down at the 7.25% starting rate (November 2026). Schuylkill County's median home value is $153,000; at that price the payment is $1,077 a month, so the property would need $1,100 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) | $1,068 / $1,392 / $1,443 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $153,000 |
| Median property taxes and effective rate | $2,140 (1.40% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,077 |
| Rent needed to cover that payment | $1,100 |
| Coverage of a 3-bedroom at fair market rent | 1.29 |
| Highest price a 3-bedroom at fair market rent covers | about $195,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $300,000 |
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 Schuylkill County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Schuylkill County?
The most active investment-property lenders in Schuylkill County in 2025 HMDA data were Mid Penn Bank; Mortgage America, Inc.; and Kiavi Funding, Inc., 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 Schuylkill County, and matches each file to the one most likely to fund it.
Schuylkill County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 244 loans and $30.9M from 78 lenders. Mid Penn Bank led Schuylkill County with 16 loans, 6.6% of the county's total, and the average Schuylkill County loan of $127K compares with $211K across Pennsylvania.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Mid Penn Bank | 16 | $3.1M | $193K | 56.2% |
| Mortgage America, Inc. | 16 | $1.4M | $90K | 93.8% |
| Kiavi Funding, Inc. | 15 | $2.0M | $133K | 60.0% |
| BPL MORTGAGE TRUST, LLC | 15 | $1.5M | $99K | 53.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $1.3M | $122K | 63.6% |
| Diamond Credit Union | 10 | $1.4M | $137K | 10.0% |
| Mauch Chunk Trust Company | 10 | $1.1M | $109K | 80.0% |
| CV3 FINANCIAL SERVICES, LLC | 9 | $0.9M | $105K | 100.0% |
| Community Bank, National Association | 7 | $0.9M | $128K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $0.9M | $145K | 33.3% |
| First Keystone Community Bank | 6 | $0.7M | $115K | 83.3% |
| Rocket Mortgage, LLC | 6 | $0.6M | $107K | 50.0% |
| SERVICE 1ST | 5 | $0.9M | $185K | 40.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $0.9M | $185K | 80.0% |
| Tompkins Community Bank | 5 | $0.6M | $117K | 80.0% |
| Loan Funder LLC | 5 | $0.5M | $97K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $0.4M | $89K | 0.0% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | 5 | $0.2M | $49K | 20.0% |
| Broker Solutions, Inc. | 4 | $0.8M | $188K | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $0.5M | $123K | 0.0% |
| Ixonia Bank | 4 | $0.4M | $90K | 75.0% |
| NEWREZ LLC | 3 | $0.4M | $135K | 66.7% |
| First Citizens Community Bank | 3 | $0.4M | $118K | 66.7% |
| The Luzerne Bank | 3 | $0.2M | $72K | 33.3% |
| GUARANTEED RATE, INC. | 3 | $0.2M | $68K | 100.0% |
926 Pennsylvania loans (3.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Schuylkill County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Schuylkill County CSV, all 25 lenders
What Schuylkill County's table can't show you: fit. Short-term financing is exempt from HMDA, so Schuylkill 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 →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 Schuylkill County, Pennsylvania deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Schuylkill County, Pennsylvania 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 — Schuylkill County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 78 lenders and 244 loans: 2025 HMDA loan-level data rolled up to Schuylkill County.
- Schuylkill County investor-lender dataset (CSV) — All 25 lenders in the Schuylkill County, Pennsylvania table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Schuylkill 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 Schuylkill County, PA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Schuylkill 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.