DSCR Loans in Tom Green 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 Tom Green 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, 41 lenders made 235 investment-property loans there, 0.5% of Texas's total; the most active are in the table below.
Tom Green County investor market at a glance
| Statistic | Tom Green County | Texas | County rank |
|---|---|---|---|
| Investor loans | 235 | 49,613 | 36th of 51 |
| Reporting lenders | 41 | 903 | 49th of 51 |
| Loan volume | $37.7M | $13.00B | 40th of 51 |
| Average loan | $160K | $262K | 46th of 51 |
| Median loan | $135K | $205K | 45th of 51 |
| Purchases | 60.9% | 61.7% | 29th of 51 |
| Cash-out refinances | 14.5% | 17.9% | 35th of 51 |
| 2–4 unit properties | 7.7% | 8.8% | 32nd of 51 |
| Top five lenders' share | 55.7% | 18.3% | 2nd of 51 |
| Reported business-purpose | 41.7% | 68.5% | 50th of 51 |
Tom Green County: closed-end loans on 1–4 unit investment properties. Tom Green County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Tom Green County's investor loans.
What stands out in Tom Green County
The five most active lenders wrote 55.7% of Tom Green County's investor loans, the second-highest share of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 55.7% of the loans here, so comparing written term sheets matters more.
The average investor loan in Tom Green County was $160K, ranking 6th 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 Tom Green County?
The most active investment-property lenders in Tom Green County in 2025 HMDA data were Citizens State Bank, First Financial Bank and Texas State Bank, out of 41 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 Tom Green County, and matches each file to the one most likely to fund it.
Tom Green County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 235 loans and $37.7M from 41 lenders. Citizens State Bank led Tom Green County with 49 loans, 20.9% of the county's total, and the average Tom Green County loan of $160K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Citizens State Bank | 49 | $8.7M | $177K | 77.6% |
| First Financial Bank | 30 | $3.6M | $121K | 73.3% |
| Texas State Bank | 21 | $3.6M | $171K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 16 | $2.6M | $164K | 0.0% |
| The First National Bank of Sonora | 15 | $2.5M | $166K | 86.7% |
| Coleman County State Bank | 14 | $3.7M | $262K | 64.3% |
| The Bank & Trust | 14 | $1.5M | $106K | 64.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 7 | $1.5M | $216K | 14.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | 6 | $0.8M | $142K | 100.0% |
| THE LOAN STORE, INC. | 5 | $0.9M | $171K | 60.0% |
| 1ST COMMUNITY FEDERAL CREDIT UNION | 5 | $0.6M | $123K | 60.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | $0.8M | $205K | 75.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.5M | $125K | 50.0% |
| NFM, INC. | 4 | $0.5M | $123K | 0.0% |
| ALLIANCE CREDIT UNION | 3 | $0.5M | $162K | 100.0% |
| T2 FINANCIAL LLC | 3 | $0.5M | $158K | 33.3% |
| GUILD MORTGAGE COMPANY | 3 | $0.4M | $142K | 33.3% |
| Prosperity Bank | 3 | $0.3M | $92K | 33.3% |
| City Lending Inc. | 2 | $0.5M | $250K | 100.0% |
| BETTER MORTGAGE CORPORATION | 2 | $0.3M | $170K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.3M | $125K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.2M | $120K | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | $0.2M | $105K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.2M | $95K | 50.0% |
| UNION HOME MORTGAGE CORP. | 1 | $0.2M | $225K | 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 Tom Green County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Tom Green County CSV, all 25 lenders
What Tom Green County's table can't show you: fit. Short-term financing is exempt from HMDA, so Tom Green County's fix-and-flip and bridge lenders barely appear among its 41 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 Tom Green County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Tom Green 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 — Tom Green County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 41 lenders and 235 loans: 2025 HMDA loan-level data rolled up to Tom Green County.
- Tom Green County investor-lender dataset (CSV) — All 25 Tom Green County lenders in the table, Citizens State 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.