DSCR Loans in Wichita County, Texas
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Wichita 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, 61 lenders made 335 investment-property loans there, 0.7% of Texas's total; the most active are in the table below.
Wichita County investor market at a glance
| Statistic | Wichita County | Texas | County rank |
|---|---|---|---|
| Investor loans | 335 | 49,613 | 30th of 51 |
| Reporting lenders | 61 | 903 | 42nd of 51 |
| Loan volume | $39.9M | $13.00B | 39th of 51 |
| Average loan | $119K | $262K | 51st of 51 |
| Median loan | $105K | $205K | 51st of 51 |
| Purchases | 49.3% | 61.7% | 46th of 51 |
| Cash-out refinances | 14.6% | 17.9% | 34th of 51 |
| 2–4 unit properties | 14.0% | 8.8% | 13th of 51 |
| Top five lenders' share | 60.6% | 18.3% | 1st of 51 |
| Reported business-purpose | 66.0% | 68.5% | 26th of 51 |
Wichita County: closed-end loans on 1–4 unit investment properties. Wichita County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wichita County's investor loans.
What stands out in Wichita County
The five most active lenders wrote 60.6% of Wichita County's investor loans, the highest share of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 60.6% of the loans here, so comparing written term sheets matters more.
The average investor loan in Wichita County was $119K, the lowest average of Texas's 51 counties with published data (statewide: $262K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Wichita County?
The most active investment-property lenders in Wichita County in 2025 HMDA data were TEXOMA COMMUNITY CREDIT UNION, First Bank and American National Bank & Trust, out of 61 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 Wichita County, and matches each file to the one most likely to fund it.
Wichita County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 335 loans and $39.9M from 61 lenders. TEXOMA COMMUNITY CREDIT UNION led Wichita County with 71 loans, 21.2% of the county's total, and the average Wichita County loan of $119K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| TEXOMA COMMUNITY CREDIT UNION | 71 | $6.2M | $88K | 21.1% |
| First Bank | 36 | $2.9M | $81K | 50.0% |
| American National Bank & Trust | 35 | $3.7M | $104K | 62.9% |
| UNION SQUARE CREDIT UNION | 33 | $5.6M | $169K | 75.8% |
| Prosperity Bank | 28 | $2.0M | $72K | 42.9% |
| Legend Bank, N.A. | 11 | $1.9M | $176K | 54.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $1.6M | $150K | 27.3% |
| Kiavi Funding, Inc. | 8 | $1.2M | $148K | 37.5% |
| FIRST CAPITAL BANK | 7 | $1.1M | $158K | 71.4% |
| Loan Funder LLC | 6 | $0.5M | $88K | 50.0% |
| FLAT BRANCH MORTGAGE, INC. | 5 | $0.9M | $185K | 80.0% |
| BPL MORTGAGE TRUST, LLC | 5 | $0.7M | $137K | 0.0% |
| WAGGONER NATIONAL BANK OF VERNON, THE | 5 | $0.6M | $127K | 40.0% |
| First National Bank | 5 | $0.4M | $81K | 100.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.0M | $243K | 25.0% |
| First United Bank | 4 | $0.7M | $168K | 100.0% |
| Loandepot.Com, LLC | 3 | $0.5M | $158K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | $0.3M | $102K | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | $0.5M | $230K | 50.0% |
| LENDSURE MORTGAGE CORP. | 2 | $0.4M | $200K | 100.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | $0.3M | $165K | 100.0% |
| Rocket Mortgage, LLC | 2 | $0.3M | $130K | 50.0% |
| LEI:254900CTT87ZKAUTIJ37 | 2 | $0.3M | $125K | 100.0% |
| THE LOAN STORE, INC. | 2 | $0.3M | $125K | 50.0% |
| OCMBC, INC. | 2 | $0.2M | $115K | 50.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wichita County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Wichita County CSV, all 25 lenders
What Wichita County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wichita County's fix-and-flip and bridge lenders barely appear among its 61 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 Wichita County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wichita 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 — Wichita County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 61 lenders and 335 loans: 2025 HMDA loan-level data rolled up to Wichita County.
- Wichita County investor-lender dataset (CSV) — All 25 Wichita County lenders in the table, TEXOMA COMMUNITY CREDIT UNION 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.