DSCR Loans in Washington County, Oklahoma
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 39 lenders made 104 investment-property loans in Washington County, 1.0% of Oklahoma's total. Dominick Prevete arranges DSCR loans across Washington 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 $190,000.
Washington County investor market at a glance
| Statistic | Washington County | Oklahoma | County rank |
|---|---|---|---|
| Investor loans | 104 | 10,662 | 19th of 19 |
| Reporting lenders | 39 | 418 | 15th of 19 |
| Loan volume | $13.5M | $1.93B | 18th of 19 |
| Average loan | $130K | $181K | 16th of 19 |
| Median loan | $120K | $145K | 14th of 19 |
| Purchases | 54.8% | 62.5% | 18th of 19 |
| Cash-out refinances | 13.5% | 8.7% | 1st of 19 |
| 2–4 unit properties | 11.5% | 13.2% | 12th of 19 |
| Top five lenders' share | 43.3% | 21.4% | 9th of 19 |
| Reported business-purpose | 67.3% | 63.5% | 7th of 19 |
Washington County: closed-end loans on 1–4 unit investment properties. Washington County's rank is highest first, among Oklahoma's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Washington County's investor loans.
What stands out in Washington County
13.5% of Washington County's investor loans were cash-out refinances, the highest share of Oklahoma's 19 counties with published data (statewide: 8.7%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
54.8% of Washington County's investor loans were purchases, the 2nd-lowest share of Oklahoma's 19 counties with published data (statewide: 62.5%).
Refinances are a larger share here than in most of Oklahoma. A DSCR refinance qualifies on the property's current rent.
The average investor loan in Washington County was $130K, the 4th-lowest average of Oklahoma's 19 counties with published data (statewide: $181K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Washington County?
At HUD's fair market rent of $1,267 for a 3-bedroom in Washington County, Oklahoma, a rental covers its full DSCR payment up to a purchase price of about $190,000, with 20% down at the 7.25% starting rate (November 2026). Washington County's median home value is $173,200; at that price the payment is $1,147 a month, so the property would need $1,150 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) | $930 / $1,267 / $1,272 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $173,200 |
| Median property taxes and effective rate | $1,558 (0.90% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,147 |
| Rent needed to cover that payment | $1,150 |
| Coverage of a 3-bedroom at fair market rent | 1.10 |
| Highest price a 3-bedroom at fair market rent covers | about $190,000 |
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 Washington County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Washington County?
The most active investment-property lenders in Washington County in 2025 HMDA data were Truity Federal Credit Union, Arvest Bank and Armstrong Bank, out of 39 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 Washington County, and matches each file to the one most likely to fund it.
Washington County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 104 loans and $13.5M from 39 lenders. Truity Federal Credit Union led Washington County with 14 loans, 13.5% of the county's total, and the average Washington County loan of $130K compares with $181K across Oklahoma.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Truity Federal Credit Union | 14 | $1.5M | $107K | 35.7% |
| Arvest Bank | 14 | $1.1M | $75K | 78.6% |
| Armstrong Bank | 9 | $1.2M | $132K | 66.7% |
| BancFirst | 4 | $0.7M | $178K | 50.0% |
| The First National Bank and Trust Company of Broken Arrow | 4 | $0.7M | $165K | 50.0% |
| THE LOAN STORE, INC. | 4 | $0.6M | $140K | 0.0% |
| Loan Funder LLC | 4 | $0.5M | $130K | 0.0% |
| American Bank of Oklahoma | 4 | $0.3M | $83K | 75.0% |
| Rocket Mortgage, LLC | 3 | $0.5M | $155K | 0.0% |
| Stride Bank, National Association | 3 | $0.5M | $155K | 100.0% |
| Kiavi Funding, Inc. | 3 | $0.5M | $152K | 100.0% |
| American Heritage Bank | 3 | $0.3M | $115K | 66.7% |
| First Bank & Trust Company | 2 | $0.4M | $205K | 50.0% |
| RCB Bank | 2 | $0.3M | $140K | 0.0% |
| Equity Bank | 2 | $0.3M | $140K | 50.0% |
| First United Bank and Trust Company | 2 | $0.2M | $115K | 50.0% |
| Union State Bank | 2 | $0.2M | $110K | 100.0% |
| ASSOCIATED MORTGAGE CORPORATION | 2 | $0.2M | $90K | 100.0% |
| First Pryority Bank | 2 | $0.2M | $85K | 100.0% |
| AVB Bank | 2 | $0.1M | $65K | 0.0% |
| FIRSTOAK BANK | 1 | $0.5M | $505K | 100.0% |
| CV3 FINANCIAL SERVICES, LLC | 1 | $0.3M | $265K | 100.0% |
| BETTER MORTGAGE CORPORATION | 1 | $0.2M | $245K | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | $0.2M | $235K | 100.0% |
| LEI:254900467HCJ72XZNJ32 | 1 | $0.2M | $225K | 100.0% |
216 Oklahoma loans (2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Washington County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Washington County CSV, all 25 lenders
What Washington County's table can't show you: fit. Short-term financing is exempt from HMDA, so Washington County's fix-and-flip and bridge lenders barely appear among its 39 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 Washington County, Oklahoma deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Washington 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 — Washington County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 39 lenders and 104 loans: 2025 HMDA loan-level data rolled up to Washington County.
- Washington County investor-lender dataset (CSV) — All 25 lenders in the Washington County, Oklahoma table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Washington 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 Washington County, OK.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Washington 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.