DSCR Loans in Washington
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 Washington, 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, 382 lenders made 9,950 investment-property loans in Washington; the most active are in the table below.
Washington investor market at a glance
| Statistic | Washington | 26 states | State rank |
|---|---|---|---|
| Investor loans | 9,950 | 461,927 | 20th of 26 |
| Reporting lenders | 382 | 3,509 | 23rd of 26 |
| Loan volume | $4.66B | $163.80B | 12th of 26 |
| Average loan | $468K | $355K | 4th of 26 |
| Median loan | $395K | — | 4th of 26 |
| Purchases | 53.8% | 58.8% | 24th of 26 |
| Cash-out refinances | 18.8% | 19.8% | 13th of 26 |
| 2–4 unit properties | 13.9% | 16.5% | 12th of 26 |
| Top five lenders' share | 20.1% | 22.1% | 17th of 26 |
| Reported business-purpose | 74.8% | 72.6% | 9th of 26 |
Washington: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 26 states with published data. The 26-state figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Washington
The average investor loan in Washington was $468K, ranking 4th highest of the 26 states with published data (26-state figure: $355K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
By share of investor loans reported as business-purpose, Washington ranks 9th highest of the 26 states with published data (26-state figure: 72.6%).
74.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Who are the DSCR and investment-property lenders in Washington?
The most active investment-property lenders in Washington in 2025 HMDA data were Eastside Funding LLC; LEI:5493004T38NMC864VL66; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 382 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 Washington, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Washington's 2025 filings to closed-end loans on 1–4 unit investment properties: 9,950 loans totaling $4.66B across 382 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Eastside Funding LLC | 575 | $199.2M | $346K | 72.2% |
| LEI:5493004T38NMC864VL66 | 412 | $205.4M | $499K | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 378 | $146.1M | $387K | 41.3% |
| THE LOAN STORE, INC. | 322 | $151.2M | $470K | 45.0% |
| Rocket Mortgage, LLC | 313 | $122.6M | $392K | 47.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 280 | $130.5M | $466K | 63.9% |
| PENNYMAC LOAN SERVICES, LLC | 272 | $131.9M | $485K | 59.6% |
| Kiavi Funding, Inc. | 262 | $117.7M | $449K | 85.9% |
| CMG MORTGAGE, INC. | 213 | $92.0M | $432K | 64.3% |
| MOVEMENT MORTGAGE, LLC | 206 | $88.6M | $430K | 59.7% |
| GUILD MORTGAGE COMPANY | 193 | $69.6M | $361K | 58.0% |
| DHI MORTGAGE COMPANY, LTD. | 186 | $78.5M | $422K | 100.0% |
| JPMorgan Chase Bank, National Association | 151 | $76.8M | $508K | 64.9% |
| NEWREZ LLC | 148 | $61.5M | $416K | 45.9% |
| U.S. Bank National Association | 137 | $67.0M | $489K | 48.9% |
| CONVENTUS LLC | 131 | $103.6M | $791K | 60.3% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 127 | $69.1M | $544K | 88.2% |
| HOMEXPRESS MORTGAGE CORP. | 110 | $42.4M | $385K | 27.3% |
| General Mortgage Capital Corporation | 105 | $55.8M | $531K | 45.7% |
| SAMMAMISH MORTGAGE COMPANY | 104 | $53.8M | $517K | 73.1% |
| Genesis Capital, LLC | 101 | $207.6M | $2055K | 58.4% |
| CHAMPIONS FUNDING, LLC | 100 | $50.8M | $508K | 39.0% |
| GUARANTEED RATE, INC. | 99 | $43.9M | $443K | 53.5% |
| KIND LENDING, LLC | 98 | $42.1M | $430K | 49.0% |
| 1st Security Bank of Washington | 93 | $42.1M | $453K | 66.7% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved October 31, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 382 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Washington lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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 Washington deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Washington 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 — Washington's at-a-glance figures, its rank among the 26 states, its observations and the Quick Read's 382 lenders and 9,950 loans: 2025 HMDA loan-level data.
- Washington investor-lender dataset (CSV) — Every Washington lender behind the table above, with volume, average loan and purchase share for each.
- Washington investor lending data, Dominick Prevete — The Washington table on its own, with the state's concentration figures and the method behind them.
- 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.