DSCR Loans in Walworth County, Wisconsin
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 87 lenders made 157 investment-property loans in Walworth County, 1.8% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Walworth County, Wisconsin, 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 $230,000.
Walworth County investor market at a glance
| Statistic | Walworth County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 157 | 8,874 | 15th of 17 |
| Reporting lenders | 87 | 462 | 5th of 17 |
| Loan volume | $70.1M | $1.96B | 5th of 17 |
| Average loan | $446K | $221K | 1st of 17 |
| Median loan | $255K | $175K | 3rd of 17 |
| Purchases | 72.0% | 59.3% | 2nd of 17 |
| Cash-out refinances | 14.6% | 16.9% | 9th of 17 |
| 2–4 unit properties | 15.9% | 41.0% | 17th of 17 |
| Top five lenders' share | 19.1% | 14.2% | 17th of 17 |
| Reported business-purpose | 59.2% | 66.8% | 13th of 17 |
Walworth County: closed-end loans on 1–4 unit investment properties. Walworth County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Walworth County's investor loans.
What stands out in Walworth County
The average investor loan in Walworth County was $446K, the highest average of Wisconsin's 17 counties with published data (statewide: $221K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
15.9% of Walworth County's investor loans financed a 2–4 unit property, the lowest share of Wisconsin's 17 counties with published data (statewide: 41.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 19.1% of Walworth County's investor loans, the lowest share of Wisconsin's 17 counties with published data (statewide: 14.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Walworth County?
At HUD's fair market rent of $1,625 for a 3-bedroom in Walworth County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Walworth County's median home value is $302,700; at that price the payment is $2,114 a month, so the property would need $2,125 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,300 / $1,625 / $2,142 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $302,700 |
| Median property taxes and effective rate | $4,036 (1.33% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,114 |
| Rent needed to cover that payment | $2,125 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
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 Walworth County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Walworth County?
The most active investment-property lenders in Walworth County in 2025 HMDA data were GUARANTEED RATE, INC.; The First National Bank and Trust Company; and Bank CMG, out of 87 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 one that reported in Walworth County, and matches each file to the one most likely to fund it.
Walworth County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 157 loans and $70.1M from 87 lenders. GUARANTEED RATE, INC. led Walworth County with 7 loans, 4.5% of the county's total, and the average Walworth County loan of $446K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUARANTEED RATE, INC. | 7 | $2.8M | $402K | 71.4% |
| The First National Bank and Trust Company | 7 | $1.4M | $199K | 85.7% |
| Bank CMG | 6 | $1.2M | $198K | 100.0% |
| Barrington Bank & Trust Company, National Association | 5 | $1.9M | $385K | 100.0% |
| JPMorgan Chase Bank, National Association | 5 | $1.8M | $369K | 100.0% |
| Community State Bank | 5 | $1.6M | $323K | 60.0% |
| PremierBank | 5 | $0.7M | $139K | 60.0% |
| NEXERA HOLDING LLC | 4 | $1.5M | $380K | 25.0% |
| GREENSTATE Credit Union | 4 | $1.2M | $308K | 75.0% |
| Rocket Mortgage, LLC | 4 | $1.2M | $295K | 100.0% |
| KIND LENDING, LLC | 3 | $1.5M | $488K | 66.7% |
| Greenbox Loans, Inc. | 3 | $0.8M | $278K | 0.0% |
| Kiavi Funding, Inc. | 3 | $0.8M | $255K | 100.0% |
| Badger Bank | 3 | $0.8M | $252K | 33.3% |
| EDUCATORS CREDIT UNION | 3 | $0.4M | $148K | 33.3% |
| The Harvard State Bank | 2 | $16.7M | $8330K | 100.0% |
| First State Bank | 2 | $2.1M | $1075K | 100.0% |
| Broker Solutions, Inc. | 2 | $1.8M | $895K | 100.0% |
| The Bank of New Glarus | 2 | $1.1M | $535K | 50.0% |
| COMPEER FINANCIAL, FLCA | 2 | $0.9M | $455K | 100.0% |
| Fairway Independent Mortgage Corporation | 2 | $0.9M | $435K | 100.0% |
| First Community Bank | 2 | $0.8M | $385K | 100.0% |
| GUILD MORTGAGE COMPANY | 2 | $0.6M | $280K | 50.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | $0.5M | $260K | 100.0% |
| University of Wisconsin Credit Union | 2 | $0.5M | $255K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Walworth County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Walworth County CSV, all 25 lenders
What Walworth County's table can't show you: fit. Short-term financing is exempt from HMDA, so Walworth County's fix-and-flip and bridge lenders barely appear among its 87 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Walworth County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Walworth County |
|---|---|---|---|
| Rock County, WI | 250 | 78 | Borders Walworth County |
| McHenry County, IL | 328 | 103 | Borders Walworth County |
| Racine County, WI | 375 | 107 | Borders Walworth County |
| Waukesha County, WI | 287 | 104 | Borders Walworth County |
| Kenosha County, WI | 242 | 82 | Borders Walworth County |
| Winnebago County, IL | 739 | 110 | About 40 miles away |
| Dane County, WI | 637 | 103 | About 50 miles away |
Run the coverage test on your Walworth County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Walworth County, Wisconsin 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 — Walworth County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 87 lenders and 157 loans: 2025 HMDA loan-level data rolled up to Walworth County.
- Walworth County investor-lender dataset (CSV) — All 25 lenders in the Walworth County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Walworth 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 Walworth County, WI.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Walworth 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.