DSCR Loans in Sedgwick County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 152 lenders made 1,658 investment-property loans in Sedgwick County, 26.8% of Kansas's total. Dominick Prevete arranges DSCR loans across Sedgwick County, Kansas, 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 $200,000.
Sedgwick County investor market at a glance
| Statistic | Sedgwick County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 1,658 | 6,189 | 1st of 9 |
| Reporting lenders | 152 | 354 | 2nd of 9 |
| Loan volume | $264.8M | $1.11B | 2nd of 9 |
| Average loan | $160K | $180K | 6th of 9 |
| Median loan | $125K | $135K | 6th of 9 |
| Purchases | 52.1% | 57.5% | 7th of 9 |
| Cash-out refinances | 18.0% | 11.8% | 3rd of 9 |
| 2–4 unit properties | 25.6% | 20.4% | 2nd of 9 |
| Top five lenders' share | 33.4% | 18.4% | 7th of 9 |
| Reported business-purpose | 62.1% | 58.9% | 4th of 9 |
Sedgwick County: closed-end loans on 1–4 unit investment properties. Sedgwick County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sedgwick County's investor loans.
What stands out in Sedgwick County
25.6% of Sedgwick County's investor loans financed a 2–4 unit property, the 2nd-highest share of Kansas's 9 counties with published data (statewide: 20.4%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Sedgwick County's 1,658 investor loans ranked 1st of Kansas's 9 counties with published data.
Does a DSCR loan pencil in Sedgwick County?
At HUD's fair market rent of $1,382 for a 3-bedroom in Sedgwick County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $200,000, with 20% down at the 7.25% starting rate (November 2026). Sedgwick County's median home value is $203,300; at that price the payment is $1,399 a month, so the property would need $1,400 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) | $1,043 / $1,382 / $1,712 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $203,300 |
| Median property taxes and effective rate | $2,461 (1.21% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,399 |
| Rent needed to cover that payment | $1,400 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $200,000 |
| 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 Sedgwick County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sedgwick County?
The most active investment-property lenders in Sedgwick County in 2025 HMDA data were MERITRUST Federal Credit Union, Peoples Bank and Trust Company and Legacy Bank, out of 152 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 Sedgwick County, and matches each file to the one most likely to fund it.
Sedgwick County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,658 loans and $264.8M from 152 lenders. MERITRUST Federal Credit Union led Sedgwick County with 185 loans, 11.2% of the county's total, and the average Sedgwick County loan of $160K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MERITRUST Federal Credit Union | 185 | $22.6M | $122K | 13.0% |
| Peoples Bank and Trust Company | 131 | $25.2M | $192K | 67.9% |
| Legacy Bank | 109 | $23.5M | $215K | 77.1% |
| KS StateBank | 64 | $8.7M | $135K | 54.7% |
| MERITRUST CREDIT UNION | 64 | $8.0M | $124K | 17.2% |
| Emprise Bank | 60 | $8.9M | $148K | 70.0% |
| THE STOCK EXCHANGE BANK, CALDWELL, KANSAS | 47 | $6.8M | $146K | 44.7% |
| Union State Bank | 43 | $6.1M | $141K | 55.8% |
| BPL MORTGAGE TRUST, LLC | 43 | $4.7M | $109K | 20.9% |
| United Wholesale Mortgage | 41 | $5.3M | $130K | 61.0% |
| VALLEY STATE BANK | 32 | $4.2M | $132K | 56.2% |
| The First National Bank of Hutchinson | 31 | $4.8M | $155K | 71.0% |
| Community Bank of Wichita, Inc. | 28 | $3.4M | $121K | 39.3% |
| Fidelity Bank, National Association | 27 | $4.0M | $147K | 74.1% |
| CV3 Financial Services, LLC | 26 | $5.5M | $210K | 30.8% |
| Intrust Bank, National Association | 26 | $5.3M | $205K | 61.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 24 | $4.4M | $182K | 0.0% |
| QUANTUM CREDIT UNION | 24 | $3.7M | $156K | 8.3% |
| Community National Bank & Trust | 24 | $2.9M | $121K | 70.8% |
| RE INVESTMENT LOANS LLC | 22 | $4.6M | $211K | 18.2% |
| The Halstead Bank | 22 | $4.3M | $198K | 68.2% |
| Garden Plain State Bank | 21 | $4.2M | $198K | 52.4% |
| Home Bank and Trust Company | 21 | $3.1M | $147K | 71.4% |
| GUILD MORTGAGE COMPANY | 21 | $2.6M | $125K | 81.0% |
| Sierra Pacific Mortgage Company, Inc. | 20 | $3.1M | $153K | 90.0% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sedgwick County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Sedgwick County CSV, all 25 lenders
What Sedgwick County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sedgwick County's fix-and-flip and bridge lenders barely appear among its 152 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 →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 Sedgwick County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Sedgwick County |
|---|---|---|---|
| Butler County, KS | 228 | 48 | Borders Sedgwick County |
| Reno County, KS | 173 | 34 | Borders Sedgwick County |
| Garfield County, OK | 112 | 29 | About 90 miles away |
| Washington County, OK | 104 | 39 | About 110 miles away |
Run the coverage test on your Sedgwick County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sedgwick County, Kansas 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 — Sedgwick County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 152 lenders and 1,658 loans: 2025 HMDA loan-level data rolled up to Sedgwick County.
- Sedgwick County investor-lender dataset (CSV) — All 25 lenders in the Sedgwick County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sedgwick 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 Wichita, KS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sedgwick 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.