DSCR Loans in Western Connecticut Planning Region, Connecticut
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)
In 2025 HMDA data, 146 lenders made 749 investment-property loans in Western Connecticut Planning Region, 12.9% of Connecticut's total. Dominick Prevete arranges DSCR loans across Western Connecticut Planning Region, Connecticut, 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 $405,000.
See which lenders are most active in Western Connecticut Planning Region →
Western Connecticut Planning Region investor market at a glance
| Statistic | Western Connecticut Planning Region | Connecticut | County rank |
|---|---|---|---|
| Investor loans | 749 | 5,824 | 4th of 8 |
| Reporting lenders | 146 | 325 | 3rd of 8 |
| Loan volume | $479.5M | $2.06B | 1st of 8 |
| Average loan | $640K | $354K | 1st of 8 |
| Median loan | $445K | $295K | 1st of 8 |
| Purchases | 60.2% | 58.0% | 4th of 8 |
| Cash-out refinances | 24.4% | 26.9% | 7th of 8 |
| 2–4 unit properties | 27.8% | 41.2% | 8th of 8 |
| Top five lenders' share | 21.9% | 24.0% | 7th of 8 |
| Reported business-purpose | 75.8% | 82.1% | 8th of 8 |
Western Connecticut Planning Region: closed-end loans on 1–4 unit investment properties. Western Connecticut Planning Region's rank is highest first, among Connecticut's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Western Connecticut Planning Region's investor loans.
What stands out in Western Connecticut Planning Region
The average investor loan in Western Connecticut Planning Region was $640K, the highest average of Connecticut's 8 counties with published data (statewide: $354K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
75.8% of Western Connecticut Planning Region's investor loans were reported as business-purpose, the lowest share of Connecticut's 8 counties with published data (statewide: 82.1%).
Fewer investor loans here were reported as business-purpose than in most of Connecticut. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
27.8% of Western Connecticut Planning Region's investor loans financed a 2–4 unit property, the lowest share of Connecticut's 8 counties with published data (statewide: 41.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Western Connecticut Planning Region?
At HUD's fair market rent of $2,878 for a 3-bedroom in Western Connecticut Planning Region, Connecticut, a rental covers its full DSCR payment up to a purchase price of about $405,000, with 20% down at the 7.25% starting rate (November 2026). Western Connecticut Planning Region's median home value is $652,900; at that price the payment is $4,610 a month, so the property would need $4,625 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) | $2,399 / $2,878 / $3,573 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $652,900 |
| Median property taxes and effective rate | $9,295 (1.42% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,610 |
| Rent needed to cover that payment | $4,625 |
| Coverage of a 3-bedroom at fair market rent | 0.62 |
| Highest price a 3-bedroom at fair market rent covers | about $405,000 |
| HUD area | Bridgeport-Stamford-Danbury, CT MSA |
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 Western Connecticut Planning Region's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Western Connecticut Planning Region?
The most active investment-property lenders in Western Connecticut Planning Region in 2025 HMDA data were CROSSCOUNTRY MORTGAGE, INC.; Loan Funder LLC; and TOTAL MORTGAGE SERVICES, LLC, out of 146 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 Western Connecticut Planning Region, and matches each file to the one most likely to fund it.
Western Connecticut Planning Region's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 749 loans and $479.5M from 146 lenders. CROSSCOUNTRY MORTGAGE, INC. led Western Connecticut Planning Region with 43 loans, 5.7% of the county's total, and the average Western Connecticut Planning Region loan of $640K compares with $354K across Connecticut.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 43 | $18.6M | $433K | 83.7% |
| Loan Funder LLC | 41 | $49.7M | $1213K | 70.7% |
| TOTAL MORTGAGE SERVICES, LLC | 30 | $11.4M | $382K | 53.3% |
| CMG MORTGAGE, INC. | 27 | $10.0M | $371K | 70.4% |
| U.S. Bank National Association | 23 | $15.5M | $675K | 52.2% |
| Hometown Equity Mortgage, LLC | 18 | $13.2M | $732K | 38.9% |
| CHAMPIONS FUNDING, LLC | 18 | $9.3M | $516K | 83.3% |
| Rocket Mortgage, LLC | 18 | $6.7M | $374K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 17 | $5.6M | $327K | 82.4% |
| Kiavi Funding, Inc. | 16 | $9.4M | $588K | 81.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 15 | $6.1M | $406K | 40.0% |
| KIND LENDING, LLC | 14 | $8.8M | $627K | 28.6% |
| AMWEST FUNDING CORP. | 14 | $7.1M | $509K | 35.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | $10.5M | $811K | 30.8% |
| Citadel Servicing Corporation | 13 | $7.6M | $587K | 76.9% |
| Newtown Savings Bank | 13 | $3.4M | $265K | 84.6% |
| Fairfield County Bank | 12 | $24.7M | $2056K | 75.0% |
| JPMorgan Chase Bank, National Association | 12 | $9.5M | $789K | 66.7% |
| Logan Finance Corporation | 12 | $6.8M | $568K | 41.7% |
| WARSHAW CAPITAL, LLC | 12 | $6.6M | $553K | 41.7% |
| Ives Bank | 12 | $4.1M | $343K | 83.3% |
| Union Savings Bank | 11 | $3.7M | $332K | 81.8% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 10 | $5.7M | $568K | 90.0% |
| DEEPHAVEN MORTGAGE LLC | 10 | $5.5M | $548K | 40.0% |
| A&D Mortgage LLC | 10 | $4.8M | $483K | 60.0% |
551 Connecticut loans (9.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Western Connecticut Planning Region: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Western Connecticut Planning Region CSV, all 25 lenders
What Western Connecticut Planning Region's table can't show you: fit. Short-term financing is exempt from HMDA, so Western Connecticut Planning Region's fix-and-flip and bridge lenders barely appear among its 146 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 several 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 Western Connecticut Planning Region, Connecticut deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Western Connecticut Planning Region, Connecticut 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 — Western Connecticut Planning Region's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 146 lenders and 749 loans: 2025 HMDA loan-level data rolled up to Western Connecticut Planning Region.
- Western Connecticut Planning Region investor-lender dataset (CSV) — All 25 lenders in the Western Connecticut Planning Region, Connecticut table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Western Connecticut Planning Region'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 Bridgeport-Stamford-Danbury, CT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Western Connecticut Planning Region'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.