DSCR Loans in Sussex County, New Jersey
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)
Dominick Prevete arranges DSCR loans across Sussex 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, 81 lenders made 248 investment-property loans there, 1.4% of New Jersey's total; the most active are in the table below.
Sussex County investor market at a glance
| Statistic | Sussex County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 248 | 18,316 | 18th of 20 |
| Reporting lenders | 81 | 439 | 17th of 20 |
| Loan volume | $68.9M | $7.88B | 18th of 20 |
| Average loan | $278K | $430K | 13th of 20 |
| Median loan | $265K | $365K | 12th of 20 |
| Purchases | 56.5% | 56.9% | 13th of 20 |
| Cash-out refinances | 23.8% | 26.0% | 9th of 20 |
| 2–4 unit properties | 14.5% | 30.0% | 14th of 20 |
| Top five lenders' share | 38.7% | 24.4% | 6th of 20 |
| Reported business-purpose | 79.0% | 81.1% | 13th of 20 |
Sussex County: closed-end loans on 1–4 unit investment properties. Sussex County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Sussex County's investor loans.
What stands out in Sussex County
The five most active lenders wrote 38.7% of Sussex County's investor loans, ranking 6th highest of New Jersey's 20 counties with published data (statewide: 24.4%).
Five lenders write 38.7% of the loans here, so comparing written term sheets matters more.
The average investor loan in Sussex County was $278K, ranking 8th lowest of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Sussex County?
The most active investment-property lenders in Sussex County in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; Loan Funder LLC; and Kiavi Funding, Inc., out of 81 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 two that reported in Sussex County, and matches each file to the one most likely to fund it.
Sussex County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 248 loans and $68.9M from 81 lenders. CROSSCOUNTRY MORTGAGE, INC. led Sussex County with 30 loans, 12.1% of the county's total, and the average Sussex County loan of $278K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 30 | $7.5M | $248K | 80.0% |
| Loan Funder LLC | 24 | $6.9M | $287K | 70.8% |
| Kiavi Funding, Inc. | 17 | $5.3M | $311K | 88.2% |
| GUARANTEED RATE, INC. | 15 | $3.9M | $260K | 66.7% |
| Reliable Holdings Manager dba Lendz Financial | 10 | $2.9M | $294K | 0.0% |
| Rocket Mortgage, LLC | 10 | $1.6M | $163K | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 7 | $1.9M | $278K | 85.7% |
| ABL RPC Residential Credit Acquisition LLC | 6 | $2.2M | $367K | 16.7% |
| FM Home Loans, LLC | 6 | $1.4M | $235K | 100.0% |
| THE LOAN STORE, INC. | 5 | $1.8M | $353K | 20.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 4 | $1.4M | $358K | 75.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.3M | $330K | 25.0% |
| Luminate Bank | 4 | $1.3M | $318K | 75.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $1.0M | $250K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.9M | $233K | 25.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | $0.7M | $183K | 25.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | $2.1M | $715K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $1.3M | $442K | 66.7% |
| Hometown Equity Mortgage, LLC | 3 | $1.1M | $382K | 33.3% |
| Citadel Servicing Corporation | 3 | $0.9M | $312K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.8M | $258K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | $0.7M | $235K | 66.7% |
| CMG MORTGAGE, INC. | 3 | $0.7M | $222K | 66.7% |
| LENDSURE MORTGAGE CORP. | 3 | $0.5M | $168K | 100.0% |
| PINNACLE MORTGAGE, INC. | 2 | $1.0M | $490K | 50.0% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Sussex County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Sussex County CSV, all 25 lenders
What Sussex County's table can't show you: fit. Short-term financing is exempt from HMDA, so Sussex County's fix-and-flip and bridge lenders barely appear among its 81 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.
What Sussex County deals has Dominick Prevete closed?
The proof is a closing, not a promise.
- $290,000Newton, NJ
Single-family · DSCR cash-out refinance · closed September 2026
- $450,000Sussex, NJ
4-unit · DSCR rate-and-term refinance · closed December 2025
- $350,000Hopatcong, NJ
Single-family · DSCR cash-out refinance · closed November 2025
These are closings Dominick Prevete arranged personally, 3 of the 35 on his closed transactions record, which lists each one's leverage, coverage and rate at closing.
Towns in Sussex County with their own page
Run the coverage test on your Sussex County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Sussex 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 — Sussex County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 81 lenders and 248 loans: 2025 HMDA loan-level data rolled up to Sussex County.
- Sussex County investor-lender dataset (CSV) — All 25 Sussex County lenders in the table, CROSSCOUNTRY MORTGAGE, INC. 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.