DSCR Loans in Wagoner County, Oklahoma
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 164 investment-property loans in Wagoner County, 1.5% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Wagoner County, Oklahoma, 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 $245,000.
Wagoner County investor market at a glance
| Statistic | Wagoner County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 164 | 10,662 | 10th of 19 |
| Reporting lenders | 59 | 418 | 9th of 19 |
| Loan volume | $31.1M | $1.93B | 9th of 19 |
| Average loan | $190K | $181K | 5th of 19 |
| Median loan | $175K | $145K | 3rd of 19 |
| Purchases | 67.1% | 62.5% | 7th of 19 |
| Cash-out refinances | 7.3% | 8.7% | 11th of 19 |
| 2–4 unit properties | 14.0% | 13.2% | 9th of 19 |
| Top five lenders' share | 37.8% | 21.4% | 13th of 19 |
| Reported business-purpose | 61.0% | 63.5% | 13th of 19 |
Wagoner County: closed-end loans on 1–4 unit investment properties. Wagoner County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wagoner County's investor loans.
What stands out in Wagoner County
The median investor loan in Wagoner County was $175K, the 3rd-highest median of Oklahoma's 19 counties with published data (statewide: $145K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Wagoner County's 164 investor loans ranked 10th of Oklahoma's 19 counties with published data.
Does a DSCR loan pencil in Wagoner County?
At HUD's fair market rent of $1,611 for a 3-bedroom in Wagoner County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $245,000, with 20% down at the 7.25% starting rate (November 2026). Wagoner County's median home value is $234,800; at that price the payment is $1,534 a month, so the property would need $1,550 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) | $1,229 / $1,611 / $1,882 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $234,800 |
| Median property taxes and effective rate | $1,858 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,534 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $245,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $375,000 |
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 Wagoner County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Wagoner County?
The most active investment-property lenders in Wagoner County in 2025 HMDA data were BancFirst, Firstar Bank and Armstrong Bank, 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 and matches each file to the one most likely to fund it.
Wagoner County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 164 loans and $31.1M from 59 lenders. BancFirst led Wagoner County with 21 loans, 12.8% of the county's total, and the average Wagoner County loan of $190K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BancFirst | 21 | $3.5M | $165K | 57.1% |
| Firstar Bank | 13 | $3.4M | $259K | 38.5% |
| Armstrong Bank | 11 | $1.3M | $120K | 63.6% |
| PANORAMA MORTGAGE GROUP, LLC | 10 | $1.6M | $159K | 100.0% |
| LEI:254900467HCJ72XZNJ32 | 7 | $1.5M | $219K | 85.7% |
| ASSOCIATED MORTGAGE CORPORATION | 7 | $1.0M | $145K | 100.0% |
| First Oklahoma Bank | 6 | $1.8M | $303K | 83.3% |
| The First National Bank and Trust Company of Broken Arrow | 5 | $1.5M | $303K | 80.0% |
| Arvest Bank | 5 | $0.5M | $93K | 60.0% |
| Mabrey Bank | 4 | $0.9M | $218K | 75.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.6M | $208K | 100.0% |
| Regent Bank | 3 | $0.6M | $202K | 33.3% |
| Stride Bank, National Association | 3 | $0.5M | $175K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.5M | $168K | 66.7% |
| THE MORTGAGE LINK, INC. | 3 | $0.5M | $168K | 100.0% |
| Security Bank | 3 | $0.4M | $135K | 100.0% |
| NEWREZ LLC | 2 | $0.6M | $315K | 0.0% |
| AMWEST FUNDING CORP. | 2 | $0.5M | $265K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.5M | $255K | 0.0% |
| American Heritage Bank | 2 | $0.5M | $255K | 100.0% |
| LIMA ONE CAPITAL, LLC | 2 | $0.5M | $225K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.5M | $225K | 100.0% |
| OCMBC, INC. | 2 | $0.4M | $220K | 100.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | $0.4M | $215K | 100.0% |
| BOKF, National Association | 2 | $0.4M | $215K | 50.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wagoner County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Wagoner County CSV, all 25 lenders
What Wagoner County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wagoner 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 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 Wagoner County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wagoner County, Oklahoma 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 — Wagoner County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 59 lenders and 164 loans: 2025 HMDA loan-level data rolled up to Wagoner County.
- Wagoner County investor-lender dataset (CSV) — All 25 lenders in the Wagoner County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Wagoner 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 Tulsa, OK HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Wagoner 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.