DSCR Loans in Smith County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Smith County, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 104 lenders made 450 investment-property loans there, 0.9% of Texas's total; the most active are in the table below.
Smith County investor market at a glance
| Statistic | Smith County | Texas | County rank |
|---|---|---|---|
| Investor loans | 450 | 49,613 | 24th of 51 |
| Reporting lenders | 104 | 903 | 27th of 51 |
| Loan volume | $104.7M | $13.00B | 23rd of 51 |
| Average loan | $233K | $262K | 27th of 51 |
| Median loan | $195K | $205K | 25th of 51 |
| Purchases | 63.3% | 61.7% | 22nd of 51 |
| Cash-out refinances | 17.3% | 17.9% | 25th of 51 |
| 2–4 unit properties | 18.7% | 8.8% | 7th of 51 |
| Top five lenders' share | 29.8% | 18.3% | 25th of 51 |
| Reported business-purpose | 63.8% | 68.5% | 34th of 51 |
Smith County: closed-end loans on 1–4 unit investment properties. Smith County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Smith County's investor loans.
What stands out in Smith County
18.7% of Smith County's investor loans financed a 2–4 unit property, ranking 7th highest of Texas's 51 counties with published data (statewide: 8.8%).
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.
The five most active lenders wrote 29.8% of Smith County's investor loans, ranking 25th highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 29.8% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Smith County?
The most active investment-property lenders in Smith County in 2025 HMDA data were Austin Bank, Texas National Association; Texas National Bank of Jacksonville; and VeraBank, National Association, out of 104 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 Smith County, and matches each file to the one most likely to fund it.
Smith County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 450 loans and $104.7M from 104 lenders. Austin Bank, Texas National Association led Smith County with 42 loans, 9.3% of the county's total, and the average Smith County loan of $233K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Austin Bank, Texas National Association | 42 | $9.6M | $228K | 73.8% |
| Texas National Bank of Jacksonville | 26 | $6.0M | $230K | 84.6% |
| VeraBank, National Association | 26 | $5.6M | $215K | 84.6% |
| ALTRA Federal Credit Union | 24 | $4.6M | $193K | 29.2% |
| Texas Bank and Trust Company | 16 | $4.4M | $273K | 62.5% |
| Greenbox Loans, Inc. | 16 | $3.9M | $244K | 0.0% |
| CMG MORTGAGE, INC. | 16 | $3.6M | $223K | 68.8% |
| EASTMAN CREDIT UNION | 16 | $3.4M | $214K | 37.5% |
| Cross Keys Bank | 15 | $4.5M | $298K | 80.0% |
| Citizens 1st Bank | 14 | $3.8M | $274K | 85.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 14 | $2.8M | $201K | 71.4% |
| Kiavi Funding, Inc. | 13 | $2.6M | $200K | 61.5% |
| Texas Bank | 9 | $3.2M | $353K | 77.8% |
| THE LOAN STORE, INC. | 9 | $2.0M | $223K | 33.3% |
| Cadence Bank | 8 | $1.6M | $200K | 75.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $1.2M | $166K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $1.1M | $159K | 57.1% |
| Rocket Mortgage, LLC | 6 | $1.5M | $250K | 83.3% |
| Prosperity Bank | 6 | $1.4M | $242K | 83.3% |
| First National Bank of East Texas | 6 | $0.9M | $148K | 100.0% |
| Guaranty Bank & Trust, N.A. | 5 | $4.4M | $877K | 100.0% |
| Origin Bank | 5 | $2.0M | $397K | 80.0% |
| UBank | 5 | $1.2M | $237K | 40.0% |
| MORTGAGE FINANCIAL SERVICES, LLC | 5 | $1.2M | $235K | 80.0% |
| Southside Bank | 5 | $1.0M | $207K | 80.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Smith County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Smith County CSV, all 25 lenders
What Smith County's table can't show you: fit. Short-term financing is exempt from HMDA, so Smith County's fix-and-flip and bridge lenders barely appear among its 104 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 Smith County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Smith County 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 — Smith County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 104 lenders and 450 loans: 2025 HMDA loan-level data rolled up to Smith County.
- Smith County investor-lender dataset (CSV) — All 25 Smith County lenders in the table, Austin Bank, Texas National Association first, with volume, average loan and purchase share for each.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.