DSCR Loans in Taylor 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 Taylor 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, 85 lenders made 476 investment-property loans there, 1.0% of Texas's total; the most active are in the table below.
Taylor County investor market at a glance
| Statistic | Taylor County | Texas | County rank |
|---|---|---|---|
| Investor loans | 476 | 49,613 | 23rd of 51 |
| Reporting lenders | 85 | 903 | 33rd of 51 |
| Loan volume | $79.4M | $13.00B | 29th of 51 |
| Average loan | $167K | $262K | 44th of 51 |
| Median loan | $145K | $205K | 43rd of 51 |
| Purchases | 72.1% | 61.7% | 10th of 51 |
| Cash-out refinances | 8.6% | 17.9% | 48th of 51 |
| 2–4 unit properties | 10.1% | 8.8% | 21st of 51 |
| Top five lenders' share | 52.5% | 18.3% | 3rd of 51 |
| Reported business-purpose | 70.6% | 68.5% | 14th of 51 |
Taylor County: closed-end loans on 1–4 unit investment properties. Taylor County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Taylor County's investor loans.
What stands out in Taylor County
The five most active lenders wrote 52.5% of Taylor County's investor loans, the third-highest share of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 52.5% of the loans here, so comparing written term sheets matters more.
The average investor loan in Taylor County was $167K, ranking 8th lowest of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Taylor County?
The most active investment-property lenders in Taylor County in 2025 HMDA data were First Financial Bank; Clear Fork Bank, National Association; and Coleman County State Bank, out of 85 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 Taylor County, and matches each file to the one most likely to fund it.
Taylor County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 476 loans and $79.4M from 85 lenders. First Financial Bank led Taylor County with 142 loans, 29.8% of the county's total, and the average Taylor County loan of $167K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| First Financial Bank | 142 | $22.0M | $155K | 73.9% |
| Clear Fork Bank, National Association | 59 | $9.9M | $167K | 71.2% |
| Coleman County State Bank | 18 | $3.5M | $192K | 94.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $2.3M | $135K | 58.8% |
| Western Bank | 14 | $2.1M | $151K | 42.9% |
| Centennial Bank | 12 | $1.7M | $144K | 16.7% |
| Prosperity Bank | 11 | $2.3M | $205K | 90.9% |
| THE LOAN STORE, INC. | 10 | $1.8M | $183K | 70.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 10 | $1.6M | $165K | 40.0% |
| 21st Mortgage Corporation | 10 | $1.1M | $110K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 9 | $1.8M | $204K | 100.0% |
| Kiavi Funding, Inc. | 9 | $1.5M | $165K | 55.6% |
| Rocket Mortgage, LLC | 9 | $1.2M | $136K | 66.7% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.3M | $210K | 100.0% |
| AMWEST FUNDING CORP. | 6 | $1.3M | $208K | 100.0% |
| SWBC MORTGAGE CORPORATION | 6 | $1.2M | $193K | 83.3% |
| City Bank | 6 | $0.9M | $155K | 100.0% |
| NEWREZ LLC | 6 | $0.9M | $153K | 50.0% |
| EMET LENDING GROUP, INC. | 5 | $1.4M | $279K | 100.0% |
| T2 FINANCIAL LLC | 5 | $0.9M | $171K | 80.0% |
| Fairway Independent Mortgage Corporation | 5 | $0.7M | $139K | 60.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.5M | $118K | 75.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 4 | $0.4M | $93K | 0.0% |
| Pinnacle Bank | 4 | $0.3M | $85K | 100.0% |
| Broadway National Bank | 3 | $0.8M | $282K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Taylor County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Taylor County CSV, all 25 lenders
What Taylor County's table can't show you: fit. Short-term financing is exempt from HMDA, so Taylor County's fix-and-flip and bridge lenders barely appear among its 85 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 Taylor County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Taylor 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 — Taylor County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 85 lenders and 476 loans: 2025 HMDA loan-level data rolled up to Taylor County.
- Taylor County investor-lender dataset (CSV) — All 25 Taylor County lenders in the table, First Financial Bank 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.