DSCR Loans in Trumbull County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 59 lenders made 183 investment-property loans in Trumbull County, 0.8% of Ohio's total. Dominick Prevete arranges DSCR loans across Trumbull County, Ohio, 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 $185,000.
Trumbull County investor market at a glance
| Statistic | Trumbull County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 183 | 21,703 | 20th of 30 |
| Reporting lenders | 59 | 551 | 19th of 30 |
| Loan volume | $21.0M | $3.64B | 24th of 30 |
| Average loan | $115K | $168K | 27th of 30 |
| Median loan | $95K | $135K | 27th of 30 |
| Purchases | 63.4% | 59.1% | 14th of 30 |
| Cash-out refinances | 23.5% | 20.0% | 8th of 30 |
| 2–4 unit properties | 20.8% | 23.7% | 17th of 30 |
| Top five lenders' share | 47.5% | 28.8% | 6th of 30 |
| Reported business-purpose | 86.3% | 76.4% | 1st of 30 |
Trumbull County: closed-end loans on 1–4 unit investment properties. Trumbull County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Trumbull County's investor loans.
What stands out in Trumbull County
By share of investor loans reported as business-purpose, Trumbull County ranks highest of Ohio's 30 counties with published data (statewide: 76.4%).
86.3% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Trumbull County was $95K, the 2nd-lowest median of Ohio's 30 counties with published data (statewide: $135K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 47.5% of Trumbull County's investor loans, the 6th-highest share of Ohio's 30 counties with published data (statewide: 28.8%).
Five lenders write 47.5% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Trumbull County?
At HUD's fair market rent of $1,295 for a 3-bedroom in Trumbull County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $185,000, with 20% down at the 7.25% starting rate (November 2026). Trumbull County's median home value is $141,800; at that price the payment is $988 a month, so the property would need $1,000 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) | $1,003 / $1,295 / $1,374 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $141,800 |
| Median property taxes and effective rate | $1,856 (1.31% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $988 |
| Rent needed to cover that payment | $1,000 |
| Coverage of a 3-bedroom at fair market rent | 1.31 |
| Highest price a 3-bedroom at fair market rent covers | about $185,000 |
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 Trumbull County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Trumbull County?
The most active investment-property lenders in Trumbull County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Ixonia Bank; and Kiavi Funding, Inc., out of 59 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 several that reported in Trumbull County, and matches each file to the one most likely to fund it.
Trumbull County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 183 loans and $21.0M from 59 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Trumbull County with 25 loans, 13.7% of the county's total, and the average Trumbull County loan of $115K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 25 | $2.0M | $79K | 52.0% |
| Ixonia Bank | 21 | $2.4M | $114K | 95.2% |
| Kiavi Funding, Inc. | 19 | $2.6M | $136K | 89.5% |
| Seven Seventeen Credit Union | 14 | $2.3M | $164K | 42.9% |
| Loan Funder LLC | 8 | $1.0M | $130K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $0.7M | $84K | 87.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | $1.4M | $205K | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 6 | $0.6M | $93K | 33.3% |
| 21st Mortgage Corporation | 6 | $0.3M | $47K | 100.0% |
| Rocket Mortgage, LLC | 4 | $0.3M | $80K | 0.0% |
| JPMorgan Chase Bank, National Association | 4 | $0.3M | $75K | 50.0% |
| The Huntington National Bank | 4 | $0.3M | $65K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 3 | $0.3M | $95K | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.4M | $200K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.3M | $135K | 50.0% |
| A&D Mortgage LLC | 2 | $0.2M | $115K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.2M | $115K | 100.0% |
| THE LOAN STORE, INC. | 2 | $0.2M | $110K | 100.0% |
| First National Bank of Pennsylvania | 2 | $0.2M | $105K | 50.0% |
| KeyBank National Association | 2 | $0.1M | $75K | 0.0% |
| AmeriSave Mortgage Corporation | 2 | $0.1M | $45K | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | $0.6M | $605K | 0.0% |
| GUARANTEED RATE, INC. | 1 | $0.2M | $205K | 100.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | $0.2M | $195K | 0.0% |
| OCMBC, INC. | 1 | $0.2M | $185K | 100.0% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Trumbull County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Trumbull County CSV, all 25 lenders
What Trumbull County's table can't show you: fit. Short-term financing is exempt from HMDA, so Trumbull County's fix-and-flip and bridge lenders barely appear among its 59 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 several 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 Trumbull County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Trumbull County, Ohio 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 — Trumbull County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 183 loans: 2025 HMDA loan-level data rolled up to Trumbull County.
- Trumbull County investor-lender dataset (CSV) — All 25 lenders in the Trumbull County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Trumbull 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 Youngstown-Warren, OH MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Trumbull 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.