DSCR Loans in Shawnee County, Kansas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 57 lenders made 482 investment-property loans in Shawnee County, 7.8% of Kansas's total. Dominick Prevete arranges DSCR loans across Shawnee 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 $215,000.
Shawnee County investor market at a glance
| Statistic | Shawnee County | Kansas | County rank |
|---|---|---|---|
| Investor loans | 482 | 6,189 | 4th of 9 |
| Reporting lenders | 57 | 354 | 5th of 9 |
| Loan volume | $63.7M | $1.11B | 5th of 9 |
| Average loan | $132K | $180K | 8th of 9 |
| Median loan | $105K | $135K | 8th of 9 |
| Purchases | 66.8% | 57.5% | 3rd of 9 |
| Cash-out refinances | 4.8% | 11.8% | 9th of 9 |
| 2–4 unit properties | 17.4% | 20.4% | 6th of 9 |
| Top five lenders' share | 49.4% | 18.4% | 4th of 9 |
| Reported business-purpose | 32.4% | 58.9% | 9th of 9 |
Shawnee County: closed-end loans on 1–4 unit investment properties. Shawnee County's rank is highest first, among Kansas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Shawnee County's investor loans.
What stands out in Shawnee County
32.4% of Shawnee County's investor loans were reported as business-purpose, the lowest share of Kansas's 9 counties with published data (statewide: 58.9%).
Fewer investor loans here were reported as business-purpose than in most of Kansas. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
4.8% of Shawnee County's investor loans were cash-out refinances, the lowest share of Kansas's 9 counties with published data (statewide: 11.8%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The average investor loan in Shawnee County was $132K, the 2nd-lowest average of Kansas's 9 counties with published data (statewide: $180K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Shawnee County?
At HUD's fair market rent of $1,564 for a 3-bedroom in Shawnee County, Kansas, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Shawnee County's median home value is $180,900; at that price the payment is $1,288 a month, so the property would need $1,300 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) | $1,172 / $1,564 / $1,586 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $180,900 |
| Median property taxes and effective rate | $2,705 (1.50% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,288 |
| Rent needed to cover that payment | $1,300 |
| Coverage of a 3-bedroom at fair market rent | 1.21 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
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 Shawnee County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Shawnee County?
The most active investment-property lenders in Shawnee County in 2025 HMDA data were Heritage Bank, Kaw Valley Bank and Envista Credit Union, out of 57 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 Shawnee County, and matches each file to the one most likely to fund it.
Shawnee County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 482 loans and $63.7M from 57 lenders. Heritage Bank led Shawnee County with 63 loans, 13.1% of the county's total, and the average Shawnee County loan of $132K compares with $180K across Kansas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Heritage Bank | 63 | $8.3M | $132K | 66.7% |
| Kaw Valley Bank | 47 | $4.4M | $94K | 53.2% |
| Envista Credit Union | 45 | $5.4M | $121K | 71.1% |
| Silver Lake Bank | 43 | $4.2M | $98K | 48.8% |
| Community National Bank | 40 | $5.2M | $130K | 75.0% |
| The Farmers State Bank | 27 | $3.2M | $117K | 81.5% |
| Landmark National Bank | 27 | $2.9M | $106K | 85.2% |
| Community Bank | 25 | $4.6M | $183K | 52.0% |
| Mid-America Bank | 19 | $2.7M | $143K | 84.2% |
| The Bennington State Bank | 14 | $3.6M | $258K | 50.0% |
| CoreFirst Bank & Trust | 14 | $2.2M | $155K | 92.9% |
| The Stockgrowers State Bank | 8 | $2.2M | $276K | 87.5% |
| THE KAW VALLEY STATE BANK AND TRUST COMPANY, OF WAMEGO, KANSAS | 8 | $1.7M | $218K | 87.5% |
| Capitol Federal Savings Bank | 8 | $1.3M | $165K | 50.0% |
| NBH Bank | 8 | $1.1M | $131K | 100.0% |
| 21st Mortgage Corporation | 7 | $0.4M | $64K | 42.9% |
| Rocket Mortgage, LLC | 6 | $0.7M | $117K | 50.0% |
| Kiavi Funding, Inc. | 5 | $0.7M | $145K | 60.0% |
| The Denison State Bank | 5 | $0.7M | $137K | 60.0% |
| FLAT BRANCH MORTGAGE, INC. | 5 | $0.7M | $131K | 80.0% |
| Fairway Independent Mortgage Corporation | 5 | $0.6M | $121K | 80.0% |
| United Wholesale Mortgage | 4 | $0.4M | $110K | 50.0% |
| The First Security Bank | 4 | $0.3M | $65K | 100.0% |
| FLINT HILLS BANK | 3 | $0.8M | $255K | 66.7% |
| Central National Bank | 3 | $0.4M | $138K | 66.7% |
139 Kansas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Shawnee County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Shawnee County CSV, all 25 lenders
What Shawnee County's table can't show you: fit. Short-term financing is exempt from HMDA, so Shawnee County's fix-and-flip and bridge lenders barely appear among its 57 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 Shawnee County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Shawnee County |
|---|---|---|---|
| Douglas County, KS | 306 | 74 | Borders Shawnee County |
| Leavenworth County, KS | 131 | 57 | About 40 miles away |
| Johnson County, KS | 922 | 171 | About 50 miles away |
| Wyandotte County, KS | 483 | 109 | About 55 miles away |
| Riley County, KS | 159 | 49 | About 55 miles away |
Run the coverage test on your Shawnee County, Kansas deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Shawnee 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 — Shawnee County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 57 lenders and 482 loans: 2025 HMDA loan-level data rolled up to Shawnee County.
- Shawnee County investor-lender dataset (CSV) — All 25 lenders in the Shawnee County, Kansas table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Shawnee 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 Topeka, KS MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Shawnee 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.