DSCR Loans in Wilson County, Tennessee
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 94 lenders made 298 investment-property loans in Wilson County, 1.9% of Tennessee's total. Dominick Prevete arranges DSCR loans across Wilson 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.
Wilson County investor market at a glance
| Statistic | Wilson County | Tennessee | County rank |
|---|---|---|---|
| Investor loans | 298 | 15,845 | 10th of 24 |
| Reporting lenders | 94 | 634 | 11th of 24 |
| Loan volume | $102.3M | $4.51B | 10th of 24 |
| Average loan | $343K | $285K | 4th of 24 |
| Median loan | $285K | $205K | 4th of 24 |
| Purchases | 68.5% | 57.0% | 3rd of 24 |
| Cash-out refinances | 6.7% | 15.4% | 21st of 24 |
| 2–4 unit properties | 7.7% | 12.2% | 20th of 24 |
| Top five lenders' share | 39.6% | 14.7% | 7th of 24 |
| Reported business-purpose | 57.4% | 66.4% | 17th of 24 |
Wilson County: closed-end loans on 1–4 unit investment properties. Wilson County's rank is highest first, among Tennessee's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wilson County's investor loans.
What stands out in Wilson County
68.5% of Wilson County's investor loans were purchases, the 3rd-highest share of Tennessee's 24 counties with published data (statewide: 57.0%).
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.
6.7% of Wilson County's investor loans were cash-out refinances, the 4th-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.
The median investor loan in Wilson County was $285K, the 4th-highest median of Tennessee's 24 counties with published data (statewide: $205K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Wilson County?
At HUD's fair market rent of $2,309 for a 3-bedroom in Wilson 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). Wilson County's median home value is $428,000; at that price the payment is $2,663 a month, so the property would need $2,675 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) | $428,000 |
| Median property taxes and effective rate | $1,787 (0.42% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,663 |
| Rent needed to cover that payment | $2,675 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| 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 Wilson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Wilson County?
The most active investment-property lenders in Wilson County in 2025 HMDA data were DHI MORTGAGE COMPANY, LTD.; WILSON BANK AND TRUST; and Volunteer State Bank, out of 94 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 one that reported in Wilson County, and matches each file to the one most likely to fund it.
Wilson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 298 loans and $102.3M from 94 lenders. DHI MORTGAGE COMPANY, LTD. led Wilson County with 37 loans, 12.4% of the county's total, and the average Wilson County loan of $343K compares with $285K across Tennessee.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 37 | $8.5M | $229K | 100.0% |
| WILSON BANK AND TRUST | 27 | $11.5M | $426K | 74.1% |
| Volunteer State Bank | 18 | $10.2M | $564K | 66.7% |
| First Freedom Bank | 18 | $6.3M | $352K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 18 | $6.1M | $339K | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 15 | $4.9M | $330K | 93.3% |
| Southern Bank of Tennessee | 12 | $3.8M | $319K | 41.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 11 | $4.1M | $374K | 81.8% |
| LENNAR MORTGAGE, LLC | 8 | $2.2M | $271K | 100.0% |
| BankTennessee | 5 | $2.8M | $559K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.4M | $363K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $1.3M | $315K | 100.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.1M | $263K | 50.0% |
| CMG MORTGAGE, INC. | 4 | $1.0M | $243K | 75.0% |
| KWIK MORTGAGE CORPORATION | 3 | $1.3M | $438K | 33.3% |
| Legacy Home Loans, LLC | 3 | $1.0M | $328K | 66.7% |
| THE LOAN STORE, INC. | 3 | $0.9M | $305K | 66.7% |
| Commerce Home Mortgage, Inc. | 3 | $0.9M | $292K | 66.7% |
| CedarStone Bank | 3 | $0.8M | $278K | 66.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 3 | $0.8M | $262K | 66.7% |
| Primis Mortgage Company | 3 | $0.8M | $255K | 33.3% |
| RPE Home, Inc | 3 | $0.7M | $248K | 0.0% |
| 212 LOANS, LLC. | 3 | $0.7M | $245K | 100.0% |
| FirstBank | 3 | $0.7M | $245K | 66.7% |
| T2 FINANCIAL LLC | 2 | $1.2M | $595K | 50.0% |
451 Tennessee loans (2.8%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wilson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Wilson County CSV, all 25 lenders
What Wilson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wilson County's fix-and-flip and bridge lenders barely appear among its 94 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 Wilson County, Tennessee deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wilson 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 — Wilson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 94 lenders and 298 loans: 2025 HMDA loan-level data rolled up to Wilson County.
- Wilson County investor-lender dataset (CSV) — All 25 lenders in the Wilson County, Tennessee table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Wilson 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 — Wilson 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.