DSCR Loans in St. Lucie County, Florida
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 150 lenders made 807 investment-property loans in St. Lucie County, 1.6% of Florida's total. Dominick Prevete arranges DSCR loans across St. Lucie County, Florida, 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 $420,000.
St. Lucie County investor market at a glance
| Statistic | St. Lucie County | Florida | County rank |
|---|---|---|---|
| Investor loans | 807 | 49,114 | 21st of 39 |
| Reporting lenders | 150 | 1,090 | 25th of 39 |
| Loan volume | $225.4M | $18.15B | 24th of 39 |
| Average loan | $279K | $370K | 24th of 39 |
| Median loan | $255K | $265K | 19th of 39 |
| Purchases | 66.4% | 64.1% | 21st of 39 |
| Cash-out refinances | 20.9% | 20.8% | 13th of 39 |
| 2–4 unit properties | 7.2% | 7.8% | 20th of 39 |
| Top five lenders' share | 31.6% | 23.8% | 10th of 39 |
| Reported business-purpose | 82.3% | 79.8% | 9th of 39 |
St. Lucie County: closed-end loans on 1–4 unit investment properties. St. Lucie County's rank is highest first, among Florida's counties with at least 100 investor loans and 25 reporting lenders. Shares are of St. Lucie County's investor loans.
What stands out in St. Lucie County
By share of investor loans reported as business-purpose, St. Lucie County ranks 9th-highest of Florida's 39 counties with published data (statewide: 79.8%).
82.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
St. Lucie County's 807 investor loans ranked 21st of Florida's 39 counties with published data.
Does a DSCR loan pencil in St. Lucie County?
At HUD's fair market rent of $2,801 for a 3-bedroom in St. Lucie County, Florida, a rental covers its full DSCR payment up to a purchase price of about $420,000, with 20% down at the 7.25% starting rate (November 2026). St. Lucie County's median home value is $347,300; at that price the payment is $2,310 a month, so the property would need $2,325 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) | $2,069 / $2,801 / $2,924 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $347,300 |
| Median property taxes and effective rate | $3,241 (0.93% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,310 |
| Rent needed to cover that payment | $2,325 |
| Coverage of a 3-bedroom at fair market rent | 1.21 |
| Highest price a 3-bedroom at fair market rent covers | about $420,000 |
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. Lucie County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in St. Lucie County?
The most active investment-property lenders in St. Lucie County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Kiavi Funding, Inc.; and CROSSCOUNTRY MORTGAGE, INC., out of 150 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 several that reported in St. Lucie County, and matches each file to the one most likely to fund it.
St. Lucie County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 807 loans and $225.4M from 150 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led St. Lucie County with 90 loans, 11.2% of the county's total, and the average St. Lucie County loan of $279K compares with $370K across Florida.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 90 | $23.4M | $260K | 62.2% |
| Kiavi Funding, Inc. | 52 | $12.3M | $237K | 90.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 42 | $11.9M | $283K | 85.7% |
| A&D Mortgage LLC | 38 | $9.7M | $255K | 65.8% |
| HOMEXPRESS MORTGAGE CORP. | 33 | $9.4M | $286K | 42.4% |
| LENNAR MORTGAGE, LLC | 30 | $7.7M | $255K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 25 | $7.2M | $289K | 60.0% |
| Rocket Mortgage, LLC | 24 | $5.6M | $232K | 33.3% |
| CHAMPIONS FUNDING, LLC | 21 | $7.3M | $350K | 66.7% |
| Hometown Equity Mortgage, LLC | 19 | $5.3M | $280K | 84.2% |
| OCMBC, INC. | 19 | $4.9M | $258K | 63.2% |
| NEWREZ LLC | 13 | $3.3M | $251K | 69.2% |
| Citadel Servicing Corporation | 12 | $3.6M | $303K | 50.0% |
| AMWEST FUNDING CORP. | 12 | $2.8M | $236K | 66.7% |
| DHI MORTGAGE COMPANY, LTD. | 12 | $2.7M | $227K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | $2.4M | $215K | 9.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 10 | $9.3M | $933K | 60.0% |
| THE LOAN STORE, INC. | 10 | $3.3M | $326K | 70.0% |
| Commerce Home Mortgage, Inc. | 10 | $3.1M | $310K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $2.5M | $252K | 60.0% |
| GUILD MORTGAGE COMPANY | 10 | $2.3M | $225K | 90.0% |
| KIND LENDING, LLC | 9 | $2.1M | $238K | 77.8% |
| CV3 FINANCIAL SERVICES, LLC | 8 | $3.1M | $383K | 37.5% |
| DOMINION FINANCIAL SERVICES, LLC | 7 | $1.9M | $278K | 57.1% |
| Easy Street Capital, LLC | 7 | $1.5M | $221K | 0.0% |
1,098 Florida loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for St. Lucie County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · St. Lucie County CSV, all 25 lenders
What St. Lucie County's table can't show you: fit. Short-term financing is exempt from HMDA, so St. Lucie County's fix-and-flip and bridge lenders barely appear among its 150 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 several 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. Lucie County, Florida deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a St. Lucie County, Florida 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. Lucie County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 150 lenders and 807 loans: 2025 HMDA loan-level data rolled up to St. Lucie County.
- St. Lucie County investor-lender dataset (CSV) — All 25 lenders in the St. Lucie County, Florida table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — St. Lucie 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 Port St. Lucie, FL MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — St. Lucie 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.