DSCR Loans in Union County, New Jersey
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across Union 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, 142 lenders made 968 investment-property loans there, 5.3% of New Jersey's total; the most active are in the table below.
Union County investor market at a glance
| Statistic | Union County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 968 | 18,316 | 9th of 20 |
| Reporting lenders | 142 | 439 | 12th of 20 |
| Loan volume | $470.6M | $7.88B | 6th of 20 |
| Average loan | $486K | $430K | 7th of 20 |
| Median loan | $455K | $365K | 5th of 20 |
| Purchases | 54.6% | 56.9% | 14th of 20 |
| Cash-out refinances | 28.7% | 26.0% | 6th of 20 |
| 2–4 unit properties | 44.7% | 30.0% | 4th of 20 |
| Top five lenders' share | 25.9% | 24.4% | 15th of 20 |
| Reported business-purpose | 82.1% | 81.1% | 6th of 20 |
Union County: closed-end loans on 1–4 unit investment properties. Union County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Union County's investor loans.
What stands out in Union County
44.7% of Union County's investor loans financed a 2–4 unit property, ranking 4th highest of New Jersey's 20 counties with published data (statewide: 30.0%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
28.7% of Union County's investor loans were cash-out refinances, ranking 6th highest of New Jersey's 20 counties with published data (statewide: 26.0%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Who are the DSCR and investment-property lenders in Union County?
The most active investment-property lenders in Union County in 2025 HMDA data were CHAMPIONS FUNDING, LLC; Loan Funder LLC; and Kiavi Funding, Inc., out of 142 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 Union County, and matches each file to the one most likely to fund it.
Union County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 968 loans and $470.6M from 142 lenders. CHAMPIONS FUNDING, LLC led Union County with 70 loans, 7.2% of the county's total, and the average Union County loan of $486K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CHAMPIONS FUNDING, LLC | 70 | $31.8M | $455K | 52.9% |
| Loan Funder LLC | 69 | $39.5M | $573K | 75.4% |
| Kiavi Funding, Inc. | 42 | $21.9M | $523K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 35 | $16.6M | $475K | 71.4% |
| THE LOAN STORE, INC. | 35 | $15.7M | $448K | 45.7% |
| Logan Finance Corporation | 30 | $14.3M | $476K | 70.0% |
| Emporium TPO LLC | 30 | $14.2M | $473K | 30.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 30 | $10.7M | $357K | 33.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 28 | $12.3M | $439K | 57.1% |
| BPL MORTGAGE TRUST, LLC | 26 | $13.3M | $510K | 65.4% |
| Hometown Equity Mortgage, LLC | 24 | $11.4M | $474K | 29.2% |
| ABL RPC Residential Credit Acquisition LLC | 21 | $13.6M | $650K | 9.5% |
| A&D Mortgage LLC | 21 | $9.4M | $449K | 28.6% |
| GUARANTEED RATE, INC. | 19 | $7.2M | $379K | 68.4% |
| FIRST COLONY MORTGAGE CORPORATION | 18 | $9.7M | $536K | 61.1% |
| Rocket Mortgage, LLC | 18 | $6.8M | $378K | 22.2% |
| ICE LENDER HOLDINGS LLC | 17 | $8.6M | $507K | 29.4% |
| ARK MORTGAGE, INC. | 15 | $6.3M | $423K | 40.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | $8.1M | $581K | 64.3% |
| CONSTRUCTIVE LOANS, LLC | 14 | $6.1M | $436K | 14.3% |
| KIND LENDING, LLC | 12 | $5.6M | $467K | 50.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 11 | $12.1M | $1096K | 72.7% |
| Paramount Residential Mortgage Group, Inc. | 10 | $5.0M | $503K | 60.0% |
| Citadel Servicing Corporation | 10 | $4.9M | $492K | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | $4.8M | $485K | 60.0% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Union County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Union County CSV, all 25 lenders
What Union County's table can't show you: fit. Short-term financing is exempt from HMDA, so Union County's fix-and-flip and bridge lenders barely appear among its 142 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 Union County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Union 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 — Union County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 142 lenders and 968 loans: 2025 HMDA loan-level data rolled up to Union County.
- Union County investor-lender dataset (CSV) — All 25 Union County lenders in the table, CHAMPIONS FUNDING, 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.