DSCR Loans in Travis 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 Travis 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, 291 lenders made 1,956 investment-property loans there, 3.9% of Texas's total; the most active are in the table below.
Travis County investor market at a glance
| Statistic | Travis County | Texas | County rank |
|---|---|---|---|
| Investor loans | 1,956 | 49,613 | 6th of 51 |
| Reporting lenders | 291 | 903 | 5th of 51 |
| Loan volume | $914.0M | $13.00B | 3rd of 51 |
| Average loan | $467K | $262K | 1st of 51 |
| Median loan | $325K | $205K | 1st of 51 |
| Purchases | 62.6% | 61.7% | 26th of 51 |
| Cash-out refinances | 17.1% | 17.9% | 26th of 51 |
| 2–4 unit properties | 9.3% | 8.8% | 24th of 51 |
| Top five lenders' share | 19.2% | 18.3% | 50th of 51 |
| Reported business-purpose | 64.9% | 68.5% | 31st of 51 |
Travis County: closed-end loans on 1–4 unit investment properties. Travis County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Travis County's investor loans.
What stands out in Travis County
The average investor loan in Travis County was $467K, the highest average of Texas's 51 counties with published data (statewide: $262K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
62.6% of Travis County's investor loans were purchases, ranking 26th highest of Texas's 51 counties with published data (statewide: 61.7%).
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.
Who are the DSCR and investment-property lenders in Travis County?
The most active investment-property lenders in Travis County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; CMG MORTGAGE, INC.; and LOANPEOPLE, LLC, out of 291 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 Travis County, and matches each file to the one most likely to fund it.
Travis County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,956 loans and $914.0M from 291 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Travis County with 98 loans, 5.0% of the county's total, and the average Travis County loan of $467K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 98 | $35.9M | $366K | 41.8% |
| CMG MORTGAGE, INC. | 98 | $28.3M | $288K | 90.8% |
| LOANPEOPLE, LLC | 65 | $32.3M | $497K | 81.5% |
| THE LOAN STORE, INC. | 60 | $22.3M | $371K | 56.7% |
| Kiavi Funding, Inc. | 55 | $25.6M | $465K | 92.7% |
| First United Bank and Trust Company | 46 | $25.1M | $545K | 84.8% |
| Rocket Mortgage, LLC | 45 | $15.1M | $336K | 71.1% |
| PENNYMAC LOAN SERVICES, LLC | 44 | $20.3M | $461K | 75.0% |
| UNIVERSITY Federal Credit Union | 40 | $12.8M | $321K | 70.0% |
| 212 LOANS, LLC. | 38 | $15.0M | $394K | 100.0% |
| CHAMPIONS FUNDING, LLC | 37 | $16.3M | $441K | 32.4% |
| Easy Street Capital, LLC | 34 | $15.7M | $463K | 0.0% |
| Fairway Independent Mortgage Corporation | 30 | $14.1M | $470K | 60.0% |
| LEI:254900CTT87ZKAUTIJ37 | 25 | $26.3M | $1053K | 56.0% |
| Taylor Morrison Home Funding, Inc. | 25 | $7.5M | $300K | 100.0% |
| KIND LENDING, LLC | 24 | $8.0M | $331K | 54.2% |
| Prosperity Bank | 23 | $21.1M | $916K | 78.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 23 | $13.5M | $588K | 52.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 23 | $10.4M | $453K | 60.9% |
| NEWREZ LLC | 22 | $8.5M | $387K | 59.1% |
| EVERETT FINANCIAL, INC. | 21 | $10.6M | $506K | 90.5% |
| AMWEST FUNDING CORP. | 21 | $6.3M | $300K | 81.0% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 21 | $5.6M | $265K | 33.3% |
| JPMorgan Chase Bank, National Association | 18 | $8.4M | $468K | 94.4% |
| NEXERA HOLDING LLC | 17 | $10.5M | $615K | 58.8% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Travis County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Travis County CSV, all 25 lenders
What Travis County's table can't show you: fit. Short-term financing is exempt from HMDA, so Travis County's fix-and-flip and bridge lenders barely appear among its 291 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 Travis County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Travis 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 — Travis County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 291 lenders and 1,956 loans: 2025 HMDA loan-level data rolled up to Travis County.
- Travis County investor-lender dataset (CSV) — All 25 Travis County lenders in the table, UNITED SHORE FINANCIAL SERVICES, LLC 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.