DSCR Loans in Wicomico County, Maryland
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, 54 lenders made 155 investment-property loans in Wicomico County, 1.6% of Maryland's total. Dominick Prevete arranges DSCR loans across Wicomico County, Maryland, 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 $280,000.
Wicomico County investor market at a glance
| Statistic | Wicomico County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 155 | 9,728 | 12th of 15 |
| Reporting lenders | 54 | 412 | 14th of 15 |
| Loan volume | $27.7M | $2.59B | 15th of 15 |
| Average loan | $179K | $266K | 15th of 15 |
| Median loan | $165K | $225K | 14th of 15 |
| Purchases | 52.9% | 56.1% | 12th of 15 |
| Cash-out refinances | 27.7% | 20.9% | 3rd of 15 |
| 2–4 unit properties | 9.0% | 7.2% | 5th of 15 |
| Top five lenders' share | 35.5% | 24.7% | 2nd of 15 |
| Reported business-purpose | 64.5% | 75.0% | 13th of 15 |
Wicomico County: closed-end loans on 1–4 unit investment properties. Wicomico County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wicomico County's investor loans.
What stands out in Wicomico County
The average investor loan in Wicomico County was $179K, the lowest average of Maryland's 15 counties with published data (statewide: $266K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
The five most active lenders wrote 35.5% of Wicomico County's investor loans, the 2nd-highest share of Maryland's 15 counties with published data (statewide: 24.7%).
Five lenders write 35.5% of the loans here, so comparing written term sheets matters more.
64.5% of Wicomico County's investor loans were reported as business-purpose, the 3rd-lowest share of Maryland's 15 counties with published data (statewide: 75.0%).
Fewer investor loans here were reported as business-purpose than in most of Maryland. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
Does a DSCR loan pencil in Wicomico County?
At HUD's fair market rent of $1,870 for a 3-bedroom in Wicomico County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Wicomico County's median home value is $254,700; at that price the payment is $1,677 a month, so the property would need $1,700 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) | $1,428 / $1,870 / $1,877 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $254,700 |
| Median property taxes and effective rate | $2,171 (0.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,677 |
| Rent needed to cover that payment | $1,700 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $430,000 |
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 Wicomico County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Wicomico County?
The most active investment-property lenders in Wicomico County in 2025 HMDA data were The Farmers Bank of Willards; BPL MORTGAGE TRUST, LLC; and RF RENOVO MANAGEMENT COMPANY, LLC, out of 54 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 Wicomico County, and matches each file to the one most likely to fund it.
Wicomico County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 155 loans and $27.7M from 54 lenders. The Farmers Bank of Willards led Wicomico County with 17 loans, 11.0% of the county's total, and the average Wicomico County loan of $179K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| The Farmers Bank of Willards | 17 | $2.6M | $153K | 64.7% |
| BPL MORTGAGE TRUST, LLC | 11 | $2.1M | $191K | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 10 | $2.2M | $219K | 60.0% |
| Hebron Savings Bank | 10 | $1.8M | $177K | 80.0% |
| MOVEMENT MORTGAGE, LLC | 7 | $1.1M | $155K | 71.4% |
| PLAZA HOME MORTGAGE, INC. | 7 | $1.1M | $151K | 14.3% |
| Kiavi Funding, Inc. | 6 | $1.1M | $192K | 100.0% |
| DHI MORTGAGE COMPANY, LTD. | 6 | $1.1M | $185K | 100.0% |
| A&D Mortgage LLC | 6 | $0.9M | $157K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 5 | $1.0M | $207K | 0.0% |
| Luminate Bank | 5 | $0.8M | $155K | 0.0% |
| NEWREZ LLC | 4 | $0.7M | $168K | 50.0% |
| Rocket Mortgage, LLC | 4 | $0.6M | $140K | 25.0% |
| LINKBANK | 3 | $0.9M | $298K | 100.0% |
| OCMBC, INC. | 3 | $0.6M | $202K | 33.3% |
| KIND LENDING, LLC | 3 | $0.4M | $138K | 0.0% |
| First Shore Federal Savings and Loan Association | 2 | $0.6M | $280K | 50.0% |
| Shore United Bank, N.A. | 2 | $0.5M | $235K | 100.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | $0.4M | $220K | 0.0% |
| TIDEMARK FEDERAL CREDIT UNION | 2 | $0.4M | $200K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.4M | $195K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | $0.4M | $180K | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | $0.3M | $160K | 100.0% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | 2 | $0.3M | $145K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 2 | $0.3M | $140K | 50.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wicomico County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Wicomico County CSV, all 25 lenders
What Wicomico County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wicomico County's fix-and-flip and bridge lenders barely appear among its 54 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 Wicomico County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wicomico County, Maryland 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 — Wicomico County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 54 lenders and 155 loans: 2025 HMDA loan-level data rolled up to Wicomico County.
- Wicomico County investor-lender dataset (CSV) — All 25 lenders in the Wicomico County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Wicomico 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 Salisbury, MD HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Wicomico 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.