DSCR Loans in Talladega County, Alabama
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 47 lenders made 106 investment-property loans in Talladega County, 1.1% of Alabama's total. Dominick Prevete arranges DSCR loans across Talladega County, Alabama, 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 $205,000.
Talladega County investor market at a glance
| Statistic | Talladega County | Alabama | County rank |
|---|---|---|---|
| Investor loans | 106 | 10,035 | 23rd of 23 |
| Reporting lenders | 47 | 495 | 16th of 23 |
| Loan volume | $27.8M | $1.98B | 16th of 23 |
| Average loan | $262K | $197K | 2nd of 23 |
| Median loan | $145K | $145K | 9th of 23 |
| Purchases | 72.6% | 57.9% | 3rd of 23 |
| Cash-out refinances | 6.6% | 16.1% | 19th of 23 |
| 2–4 unit properties | 9.4% | 8.1% | 11th of 23 |
| Top five lenders' share | 47.2% | 18.5% | 11th of 23 |
| Reported business-purpose | 53.8% | 68.3% | 18th of 23 |
Talladega County: closed-end loans on 1–4 unit investment properties. Talladega County's rank is highest first, among Alabama's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Talladega County's investor loans.
What stands out in Talladega County
The average investor loan in Talladega County was $262K, the 2nd-highest average of Alabama's 23 counties with published data (statewide: $197K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
72.6% of Talladega County's investor loans were purchases, the 3rd-highest share of Alabama's 23 counties with published data (statewide: 57.9%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
6.6% of Talladega County's investor loans were cash-out refinances, the 5th-lowest share of Alabama's 23 counties with published data (statewide: 16.1%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Talladega County?
At HUD's fair market rent of $1,281 for a 3-bedroom in Talladega County, Alabama, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Talladega County's median home value is $149,200; at that price the payment is $922 a month, so the property would need $925 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) | $977 / $1,281 / $1,286 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $149,200 |
| Median property taxes and effective rate | $544 (0.36% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $922 |
| Rent needed to cover that payment | $925 |
| Coverage of a 3-bedroom at fair market rent | 1.39 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $315,000 |
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 Talladega County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Talladega County?
The most active investment-property lenders in Talladega County in 2025 HMDA data were OCMBC, INC.; First Bank of Alabama; and Metro Bank, out of 47 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 Talladega County, and matches each file to the one most likely to fund it.
Talladega County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 106 loans and $27.8M from 47 lenders. OCMBC, INC. led Talladega County with 19 loans, 17.9% of the county's total, and the average Talladega County loan of $262K compares with $197K across Alabama.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| OCMBC, INC. | 19 | $2.9M | $154K | 100.0% |
| First Bank of Alabama | 12 | $1.3M | $107K | 58.3% |
| Metro Bank | 9 | $0.7M | $76K | 88.9% |
| MORIA DEVELOPMENT, INC. | 6 | $0.8M | $125K | 33.3% |
| THE LOAN STORE, INC. | 4 | $0.6M | $155K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.4M | $118K | 33.3% |
| Cadence Bank | 3 | $0.3M | $102K | 66.7% |
| Farmers and Merchants Bank | 2 | $0.8M | $420K | 50.0% |
| FirstBank | 2 | $0.4M | $195K | 50.0% |
| ALL IN FEDERAL CREDIT UNION | 2 | $0.4M | $185K | 50.0% |
| LENNAR MORTGAGE, LLC | 2 | $0.3M | $150K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.3M | $125K | 50.0% |
| Kiavi Funding, Inc. | 2 | $0.2M | $115K | 50.0% |
| AMWEST FUNDING CORP. | 2 | $0.2M | $115K | 50.0% |
| ALABAMA ONE | 2 | $0.2M | $100K | 100.0% |
| UNION HOME MORTGAGE CORP. | 2 | $0.2M | $95K | 100.0% |
| Heritage South Credit Union | 2 | $0.1M | $40K | 100.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | $11.1M | $11125K | 0.0% |
| Central State Bank | 1 | $1.3M | $1305K | 100.0% |
| Investar Bank, National Association | 1 | $0.7M | $685K | 0.0% |
| The Citizens National Bank of Meridian | 1 | $0.5M | $525K | 100.0% |
| Loandepot.Com, LLC | 1 | $0.4M | $405K | 100.0% |
| SouthPoint Bank | 1 | $0.3M | $295K | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | $0.3M | $285K | 100.0% |
| Emblem Credit Union | 1 | $0.2M | $245K | 100.0% |
257 Alabama loans (2.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Talladega County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Talladega County CSV, all 25 lenders
What Talladega County's table can't show you: fit. Short-term financing is exempt from HMDA, so Talladega County's fix-and-flip and bridge lenders barely appear among its 47 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 Talladega County, Alabama deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Talladega County, Alabama 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 — Talladega County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 47 lenders and 106 loans: 2025 HMDA loan-level data rolled up to Talladega County.
- Talladega County investor-lender dataset (CSV) — All 25 lenders in the Talladega County, Alabama table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Talladega 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 Talladega County, AL.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Talladega 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.