DSCR Loans in Weld County, Colorado
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 107 lenders made 381 investment-property loans in Weld County, 4.6% of Colorado's total. Dominick Prevete arranges DSCR loans across Weld County, Colorado, 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 $360,000.
Weld County investor market at a glance
| Statistic | Weld County | Colorado | County rank |
|---|---|---|---|
| Investor loans | 381 | 8,274 | 9th of 15 |
| Reporting lenders | 107 | 514 | 9th of 15 |
| Loan volume | $118.5M | $3.80B | 11th of 15 |
| Average loan | $311K | $460K | 13th of 15 |
| Median loan | $285K | $355K | 13th of 15 |
| Purchases | 63.8% | 60.1% | 3rd of 15 |
| Cash-out refinances | 16.5% | 17.7% | 10th of 15 |
| 2–4 unit properties | 9.7% | 9.4% | 8th of 15 |
| Top five lenders' share | 28.3% | 23.9% | 15th of 15 |
| Reported business-purpose | 66.7% | 69.2% | 10th of 15 |
Weld County: closed-end loans on 1–4 unit investment properties. Weld County's rank is highest first, among Colorado's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Weld County's investor loans.
What stands out in Weld County
The five most active lenders wrote 28.3% of Weld County's investor loans, the lowest share of Colorado's 15 counties with published data (statewide: 23.9%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
63.8% of Weld County's investor loans were purchases, the 3rd-highest share of Colorado's 15 counties with published data (statewide: 60.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The average investor loan in Weld County was $311K, the 3rd-lowest average of Colorado's 15 counties with published data (statewide: $460K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Weld County?
At HUD's fair market rent of $2,281 for a 3-bedroom in Weld County, Colorado, a rental covers its full DSCR payment up to a purchase price of about $360,000, with 20% down at the 7.25% starting rate (November 2026). Weld County's median home value is $471,700; at that price the payment is $2,974 a month, so the property would need $2,975 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) | $1,647 / $2,281 / $2,753 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $471,700 |
| Median property taxes and effective rate | $2,440 (0.52% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,974 |
| Rent needed to cover that payment | $2,975 |
| Coverage of a 3-bedroom at fair market rent | 0.77 |
| Highest price a 3-bedroom at fair market rent covers | about $360,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $520,000 |
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 Weld County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Weld County?
The most active investment-property lenders in Weld County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; FirstBank; and Kiavi Funding, Inc., out of 107 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 Weld County, and matches each file to the one most likely to fund it.
Weld County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 381 loans and $118.5M from 107 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Weld County with 28 loans, 7.3% of the county's total, and the average Weld County loan of $311K compares with $460K across Colorado.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 28 | $9.2M | $330K | 42.9% |
| FirstBank | 25 | $7.8M | $311K | 76.0% |
| Kiavi Funding, Inc. | 24 | $6.6M | $275K | 54.2% |
| Bank of Colorado | 16 | $4.5M | $284K | 68.8% |
| LENNAR MORTGAGE, LLC | 15 | $5.5M | $367K | 100.0% |
| First National Bank | 13 | $4.4M | $338K | 92.3% |
| PANORAMA MORTGAGE GROUP, LLC | 12 | $2.7M | $228K | 100.0% |
| Loan Funder LLC | 10 | $2.8M | $277K | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 9 | $3.6M | $395K | 100.0% |
| First Western Trust Bank | 9 | $2.6M | $291K | 55.6% |
| Rocket Mortgage, LLC | 7 | $2.1M | $305K | 0.0% |
| THE LOAN STORE, INC. | 7 | $1.4M | $196K | 71.4% |
| KIND LENDING, LLC | 6 | $2.2M | $373K | 83.3% |
| CHAMPIONS FUNDING, LLC | 6 | $2.1M | $357K | 83.3% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.8M | $305K | 100.0% |
| ELEVATIONS | 6 | $1.7M | $285K | 83.3% |
| OCMBC, INC. | 6 | $1.5M | $255K | 83.3% |
| Points West Community Bank | 5 | $2.3M | $457K | 60.0% |
| GUILD MORTGAGE COMPANY | 5 | $1.9M | $379K | 80.0% |
| CMG MORTGAGE, INC. | 5 | $1.6M | $327K | 60.0% |
| GROUP MORTGAGE, LLC | 5 | $1.6M | $313K | 80.0% |
| Loandepot.Com, LLC | 5 | $1.5M | $295K | 100.0% |
| GUARANTEED RATE, INC. | 5 | $1.5M | $291K | 80.0% |
| JPMorgan Chase Bank, National Association | 5 | $0.9M | $177K | 60.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | $1.8M | $445K | 75.0% |
77 Colorado loans (0.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Weld County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Weld County CSV, all 25 lenders
What Weld County's table can't show you: fit. Short-term financing is exempt from HMDA, so Weld County's fix-and-flip and bridge lenders barely appear among its 107 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 Weld County, Colorado deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Weld County, Colorado 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 — Weld County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 107 lenders and 381 loans: 2025 HMDA loan-level data rolled up to Weld County.
- Weld County investor-lender dataset (CSV) — All 25 lenders in the Weld County, Colorado table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Weld 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 Greeley, CO MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Weld 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.