DSCR Loans in Warren 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 Warren 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, 74 lenders made 189 investment-property loans there, 1.0% of New Jersey's total; the most active are in the table below.
Warren County investor market at a glance
| Statistic | Warren County | New Jersey | County rank |
|---|---|---|---|
| Investor loans | 189 | 18,316 | 19th of 20 |
| Reporting lenders | 74 | 439 | 18th of 20 |
| Loan volume | $51.2M | $7.88B | 19th of 20 |
| Average loan | $271K | $430K | 15th of 20 |
| Median loan | $245K | $365K | 13th of 20 |
| Purchases | 61.9% | 56.9% | 9th of 20 |
| Cash-out refinances | 20.1% | 26.0% | 18th of 20 |
| 2–4 unit properties | 30.2% | 30.0% | 6th of 20 |
| Top five lenders' share | 32.3% | 24.4% | 9th of 20 |
| Reported business-purpose | 75.7% | 81.1% | 16th of 20 |
Warren County: closed-end loans on 1–4 unit investment properties. Warren County's rank is highest first, among New Jersey's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Warren County's investor loans.
What stands out in Warren County
The average investor loan in Warren County was $271K, ranking 6th lowest of New Jersey's 20 counties with published data (statewide: $430K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 32.3% of Warren County's investor loans, ranking 9th highest of New Jersey's 20 counties with published data (statewide: 24.4%).
Five lenders write 32.3% of the loans here, so comparing written term sheets matters more.
Who are the DSCR and investment-property lenders in Warren County?
The most active investment-property lenders in Warren County in 2025 HMDA data were Kiavi Funding, Inc.; CROSSCOUNTRY MORTGAGE, INC.; and Loan Funder LLC, out of 74 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 Warren County, and matches each file to the one most likely to fund it.
Warren County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 189 loans and $51.2M from 74 lenders. Kiavi Funding, Inc. led Warren County with 21 loans, 11.1% of the county's total, and the average Warren County loan of $271K compares with $430K across New Jersey.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 21 | $4.9M | $234K | 85.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | $4.1M | $315K | 69.2% |
| Loan Funder LLC | 13 | $2.9M | $226K | 46.2% |
| GUARANTEED RATE, INC. | 7 | $2.2M | $314K | 71.4% |
| THE LOAN STORE, INC. | 7 | $1.8M | $262K | 42.9% |
| Rocket Mortgage, LLC | 6 | $2.0M | $335K | 16.7% |
| CHAMPIONS FUNDING, LLC | 6 | $1.4M | $232K | 33.3% |
| Hometown Equity Mortgage, LLC | 6 | $1.1M | $187K | 50.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 4 | $1.4M | $360K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $1.4M | $360K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $1.1M | $280K | 100.0% |
| PANORAMA MORTGAGE GROUP, LLC | 4 | $0.8M | $203K | 100.0% |
| LEI:254900CTT87ZKAUTIJ37 | 4 | $0.7M | $183K | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | $1.3M | $425K | 0.0% |
| LIMA ONE CAPITAL, LLC | 3 | $1.0M | $325K | 33.3% |
| The Huntington National Bank | 3 | $0.8M | $268K | 100.0% |
| Broker Solutions, Inc. | 3 | $0.7M | $245K | 100.0% |
| Commerce Home Mortgage, Inc. | 3 | $0.7M | $228K | 33.3% |
| MILLENIUM HOME MORTGAGE, LLC | 3 | $0.7M | $218K | 66.7% |
| NEWREZ LLC | 3 | $0.6M | $215K | 33.3% |
| Prosperity Home Mortgage, LLC | 3 | $0.5M | $172K | 33.3% |
| Farm Credit East, ACA | 2 | $1.4M | $685K | 50.0% |
| KWIK MORTGAGE CORPORATION | 2 | $0.9M | $450K | 100.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | $0.7M | $360K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 2 | $0.7M | $360K | 50.0% |
590 New Jersey loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Warren County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Warren County CSV, all 25 lenders
What Warren County's table can't show you: fit. Short-term financing is exempt from HMDA, so Warren County's fix-and-flip and bridge lenders barely appear among its 74 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 Warren County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Warren 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 — Warren County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 74 lenders and 189 loans: 2025 HMDA loan-level data rolled up to Warren County.
- Warren County investor-lender dataset (CSV) — All 25 Warren County lenders in the table, Kiavi Funding, Inc. 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.