DSCR Loans in Williamson County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 127 lenders made 356 investment-property loans in Williamson County, 2.2% of Tennessee's total. Dominick Prevete arranges DSCR loans across Williamson County, Tennessee, 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 $370,000.
Williamson County investor market at a glance
| Statistic | Williamson County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 356 | 15,845 | 9th of 24 |
| Reporting lenders | 127 | 634 | 8th of 24 |
| Loan volume | $240.7M | $4.51B | 6th of 24 |
| Average loan | $676K | $285K | 1st of 24 |
| Median loan | $465K | $205K | 1st of 24 |
| Purchases | 66.0% | 57.0% | 5th of 24 |
| Cash-out refinances | 10.1% | 15.4% | 20th of 24 |
| 2–4 unit properties | 2.5% | 12.2% | 24th of 24 |
| Top five lenders' share | 28.1% | 14.7% | 18th of 24 |
| Reported business-purpose | 62.4% | 66.4% | 14th of 24 |
Williamson County: closed-end loans on 1–4 unit investment properties. Williamson County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Williamson County's investor loans.
What stands out in Williamson County
The average investor loan in Williamson County was $676K, the highest average of Tennessee's 24 counties with published data (statewide: $285K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
2.5% of Williamson County's investor loans financed a 2–4 unit property, the lowest share of Tennessee's 24 counties with published data (statewide: 12.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
10.1% of Williamson County's investor loans were cash-out refinances, the 5th-lowest share of Tennessee's 24 counties with published data (statewide: 15.4%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Williamson County?
At HUD's fair market rent of $2,309 for a 3-bedroom in Williamson County, Tennessee, a rental covers its full DSCR payment up to a purchase price of about $370,000, with 20% down at the 7.25% starting rate (November 2026). Williamson County's median home value is $751,900; at that price the payment is $4,667 a month, so the property would need $4,675 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) | $1,798 / $2,309 / $2,799 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $751,900 |
| Median property taxes and effective rate | $3,004 (0.40% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,667 |
| Rent needed to cover that payment | $4,675 |
| Coverage of a 3-bedroom at fair market rent | 0.49 |
| Highest price a 3-bedroom at fair market rent covers | about $370,000 |
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 Williamson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Williamson County?
The most active investment-property lenders in Williamson County in 2025 HMDA data were FirstBank; CMG MORTGAGE, INC.; and Volunteer State Bank, out of 127 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 and matches each file to the one most likely to fund it.
Williamson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 356 loans and $240.7M from 127 lenders. FirstBank led Williamson County with 28 loans, 7.9% of the county's total, and the average Williamson County loan of $676K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| FirstBank | 28 | $13.4M | $479K | 75.0% |
| CMG MORTGAGE, INC. | 24 | $11.5M | $478K | 79.2% |
| Volunteer State Bank | 17 | $13.9M | $816K | 52.9% |
| Legacy Home Loans, LLC | 17 | $8.3M | $488K | 70.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 14 | $8.3M | $594K | 85.7% |
| Liberty | 11 | $8.3M | $756K | 72.7% |
| GUARANTEED RATE, INC. | 11 | $5.3M | $480K | 54.5% |
| Pinnacle Bank | 8 | $6.5M | $814K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $4.4M | $553K | 75.0% |
| Rocket Mortgage, LLC | 6 | $1.8M | $293K | 33.3% |
| The First National Bank of Middle Tennessee | 5 | $8.3M | $1669K | 80.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | $2.7M | $547K | 40.0% |
| CV3 FINANCIAL SERVICES, LLC | 4 | $14.1M | $3528K | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 4 | $7.7M | $1933K | 0.0% |
| FIRST COMMERCE BANK | 4 | $4.3M | $1065K | 75.0% |
| Studio Bank | 4 | $3.9M | $975K | 50.0% |
| THE LOAN STORE, INC. | 4 | $2.6M | $655K | 75.0% |
| WILSON BANK AND TRUST | 4 | $2.5M | $638K | 50.0% |
| NexBank | 4 | $2.5M | $630K | 75.0% |
| Loandepot.Com, LLC | 4 | $1.6M | $410K | 75.0% |
| Primis Mortgage Company | 4 | $1.6M | $405K | 75.0% |
| NFM, INC. | 4 | $1.5M | $373K | 75.0% |
| NEWREZ LLC | 4 | $1.5M | $370K | 50.0% |
| BankTennessee | 3 | $4.9M | $1638K | 66.7% |
| RAIN CITY CAPITAL, LLC | 3 | $3.2M | $1075K | 0.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Williamson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Williamson County CSV, all 25 lenders
What Williamson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Williamson County's fix-and-flip and bridge lenders barely appear among its 127 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 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 Williamson County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Williamson County, Tennessee 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 — Williamson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 127 lenders and 356 loans: 2025 HMDA loan-level data rolled up to Williamson County.
- Williamson County investor-lender dataset (CSV) — All 25 lenders in the Williamson County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Williamson 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 Nashville-Davidson--Murfreesboro--Franklin, TN HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Williamson 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.