DSCR Loans in Sevier County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 225 lenders made 1,070 investment-property loans in Sevier County, 6.8% of Tennessee's total. Dominick Prevete arranges DSCR loans across Sevier County, Tennessee, 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 $255,000.
Sevier County investor market at a glance
| Statistic | Sevier County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 1,070 | 15,845 | 4th of 24 |
| Reporting lenders | 225 | 634 | 2nd of 24 |
| Loan volume | $592.6M | $4.51B | 2nd of 24 |
| Average loan | $554K | $285K | 2nd of 24 |
| Median loan | $465K | $205K | 1st of 24 |
| Purchases | 72.6% | 57.0% | 1st of 24 |
| Cash-out refinances | 12.6% | 15.4% | 16th of 24 |
| 2–4 unit properties | 3.4% | 12.2% | 23rd of 24 |
| Top five lenders' share | 27.0% | 14.7% | 21st of 24 |
| Reported business-purpose | 69.1% | 66.4% | 6th of 24 |
Sevier County: closed-end loans on 1–4 unit investment properties. Sevier County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sevier County's investor loans.
What stands out in Sevier County
The median investor loan in Sevier County was $465K, the highest median of Tennessee's 24 counties with published data (statewide: $205K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
72.6% of Sevier County's investor loans were purchases, the highest share of Tennessee's 24 counties with published data (statewide: 57.0%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
3.4% of Sevier County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Tennessee's 24 counties with published data (statewide: 12.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Sevier County?
At HUD's fair market rent of $1,569 for a 3-bedroom in Sevier County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $255,000, with 20% down at the 7.25% starting rate (November 2026). Sevier County's median home value is $299,000; at that price the payment is $1,825 a month, so the property would need $1,850 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) | $1,213 / $1,569 / $1,594 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $299,000 |
| Median property taxes and effective rate | $824 (0.28% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,825 |
| Rent needed to cover that payment | $1,850 |
| Coverage of a 3-bedroom at fair market rent | 0.86 |
| Highest price a 3-bedroom at fair market rent covers | about $255,000 |
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 Sevier County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Sevier County?
The most active investment-property lenders in Sevier County in 2025 HMDA data were MOVEMENT MORTGAGE, LLC; UNITED SHORE FINANCIAL SERVICES, LLC; and Hometown Equity Mortgage, LLC, out of 225 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 Sevier County, and matches each file to the one most likely to fund it.
Sevier County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,070 loans and $592.6M from 225 lenders. MOVEMENT MORTGAGE, LLC led Sevier County with 100 loans, 9.3% of the county's total, and the average Sevier County loan of $554K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 100 | $58.9M | $589K | 81.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 75 | $47.6M | $635K | 74.7% |
| Hometown Equity Mortgage, LLC | 39 | $29.0M | $745K | 61.5% |
| THE LOAN STORE, INC. | 39 | $22.7M | $582K | 82.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 36 | $31.6M | $879K | 83.3% |
| ABL RPC Residential Credit Acquisition LLC | 30 | $25.1M | $836K | 0.0% |
| Rocket Mortgage, LLC | 30 | $12.7M | $424K | 60.0% |
| NEWREZ LLC | 30 | $11.6M | $386K | 96.7% |
| FirstBank | 29 | $14.7M | $507K | 69.0% |
| PENNYMAC LOAN SERVICES, LLC | 26 | $13.2M | $509K | 73.1% |
| Citizens National Bank | 20 | $8.6M | $428K | 85.0% |
| CHAMPIONS FUNDING, LLC | 17 | $9.2M | $539K | 35.3% |
| ALLIANT CREDIT UNION | 17 | $7.0M | $410K | 100.0% |
| GUARANTEED RATE, INC. | 16 | $13.5M | $843K | 81.2% |
| Mountain Commerce Bank | 15 | $4.2M | $278K | 100.0% |
| JPMorgan Chase Bank, National Association | 13 | $8.7M | $670K | 76.9% |
| HOMEXPRESS MORTGAGE CORP. | 13 | $7.1M | $544K | 38.5% |
| LEI:9845005BP6974AE5D838 | 13 | $7.0M | $538K | 84.6% |
| DHI MORTGAGE COMPANY, LTD. | 13 | $2.7M | $210K | 100.0% |
| Commerce Home Mortgage, Inc. | 12 | $12.5M | $1041K | 83.3% |
| CMG MORTGAGE, INC. | 12 | $6.3M | $524K | 33.3% |
| Emporium TPO LLC | 12 | $5.5M | $460K | 41.7% |
| MORTGAGE INVESTORS GROUP, INC. | 11 | $3.8M | $349K | 81.8% |
| EASTMAN CREDIT UNION | 10 | $3.6M | $362K | 70.0% |
| DEEPHAVEN MORTGAGE LLC | 9 | $5.7M | $638K | 88.9% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sevier County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sevier County CSV, all 25 lenders
What Sevier County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sevier County's fix-and-flip and bridge lenders barely appear among its 225 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 Sevier County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sevier County, Tennessee 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 — Sevier County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 225 lenders and 1,070 loans: 2025 HMDA loan-level data rolled up to Sevier County.
- Sevier County investor-lender dataset (CSV) — All 25 lenders in the Sevier County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Sevier 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 Sevier County, TN.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Sevier 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.