DSCR Loans in St. Charles County, Missouri
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 132 lenders made 615 investment-property loans in St. Charles County, 4.0% of Missouri's total. Dominick Prevete arranges DSCR loans across St. Charles County, Missouri, 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.
St. Charles County investor market at a glance
| Statistic | St. Charles County | Missouri | County rank |
|---|---|---|---|
| Investor loans | 615 | 15,393 | 5th of 22 |
| Reporting lenders | 132 | 534 | 4th of 22 |
| Loan volume | $134.8M | $2.82B | 5th of 22 |
| Average loan | $219K | $183K | 8th of 22 |
| Median loan | $195K | $145K | 6th of 22 |
| Purchases | 69.4% | 61.2% | 7th of 22 |
| Cash-out refinances | 6.8% | 12.1% | 15th of 22 |
| 2–4 unit properties | 9.8% | 19.1% | 20th of 22 |
| Top five lenders' share | 32.2% | 18.3% | 14th of 22 |
| Reported business-purpose | 65.0% | 63.6% | 4th of 22 |
St. Charles County: closed-end loans on 1–4 unit investment properties. St. Charles County's rank is highest first, among Missouri's counties with at least 100 investor loans and 25 reporting lenders. Shares are of St. Charles County's investor loans.
What stands out in St. Charles County
9.8% of St. Charles County's investor loans financed a 2–4 unit property, the 3rd-lowest share of Missouri's 22 counties with published data (statewide: 19.1%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
By share of investor loans reported as business-purpose, St. Charles County ranks 4th-highest of Missouri's 22 counties with published data (statewide: 63.6%).
65.0% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in St. Charles County?
At HUD's fair market rent of $1,731 for a 3-bedroom in St. Charles County, Missouri, 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). St. Charles County's median home value is $320,800; at that price the payment is $2,174 a month, so the property would need $2,175 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) | $1,349 / $1,731 / $1,997 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $320,800 |
| Median property taxes and effective rate | $3,480 (1.08% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,174 |
| Rent needed to cover that payment | $2,175 |
| Coverage of a 3-bedroom at fair market rent | 0.80 |
| 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 St. Charles County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in St. Charles County?
The most active investment-property lenders in St. Charles County in 2025 HMDA data were First State Bank of St. Charles, Missouri; Stifel Bank and Trust; and The Bank of Old Monroe, out of 132 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 St. Charles County, and matches each file to the one most likely to fund it.
St. Charles County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 615 loans and $134.8M from 132 lenders. First State Bank of St. Charles, Missouri led St. Charles County with 88 loans, 14.3% of the county's total, and the average St. Charles County loan of $219K compares with $183K across Missouri.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First State Bank of St. Charles, Missouri | 88 | $14.3M | $163K | 47.7% |
| Stifel Bank and Trust | 33 | $7.0M | $212K | 84.8% |
| The Bank of Old Monroe | 32 | $7.8M | $243K | 50.0% |
| Kiavi Funding, Inc. | 25 | $5.7M | $230K | 80.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 20 | $4.2M | $208K | 70.0% |
| FLAT BRANCH MORTGAGE, INC. | 18 | $3.6M | $202K | 72.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $3.2M | $187K | 52.9% |
| First State Community Bank | 15 | $3.4M | $228K | 100.0% |
| Carrollton Bank | 15 | $3.2M | $216K | 66.7% |
| American Bank of Freedom | 14 | $6.7M | $477K | 100.0% |
| Lindell Bank & Trust Company | 14 | $2.8M | $197K | 64.3% |
| Heritage Community Bank | 13 | $3.2M | $244K | 84.6% |
| GUILD MORTGAGE COMPANY | 13 | $2.7M | $210K | 76.9% |
| The Central Trust Bank | 12 | $3.1M | $257K | 91.7% |
| PEOPLES BANK & TRUST CO. | 11 | $1.9M | $172K | 54.5% |
| U S WIDE FINANCIAL LLC | 10 | $2.5M | $247K | 80.0% |
| U.S. Bank National Association | 9 | $1.8M | $201K | 77.8% |
| DELMAR FINANCIAL COMPANY | 9 | $1.8M | $195K | 77.8% |
| Rocket Mortgage, LLC | 9 | $1.6M | $182K | 44.4% |
| DAS Acquisition Company, LLC | 9 | $1.3M | $139K | 88.9% |
| HNB National Bank | 7 | $1.4M | $206K | 71.4% |
| FCB Banks | 7 | $1.1M | $164K | 85.7% |
| Broker Solutions, Inc. | 6 | $1.3M | $222K | 66.7% |
| The Missouri Bank | 6 | $1.3M | $220K | 83.3% |
| First Bank | 6 | $1.0M | $168K | 83.3% |
561 Missouri loans (3.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for St. Charles County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · St. Charles County CSV, all 25 lenders
What St. Charles County's table can't show you: fit. Short-term financing is exempt from HMDA, so St. Charles County's fix-and-flip and bridge lenders barely appear among its 132 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 St. Charles County, Missouri deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a St. Charles County, Missouri 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 — St. Charles County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 132 lenders and 615 loans: 2025 HMDA loan-level data rolled up to St. Charles County.
- St. Charles County investor-lender dataset (CSV) — All 25 lenders in the St. Charles County, Missouri table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — St. Charles 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 St. Louis, MO-IL HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — St. Charles 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.