DSCR Loans in Winnebago County, Wisconsin
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 65 lenders made 249 investment-property loans in Winnebago County, 2.8% of Wisconsin's total. Dominick Prevete arranges DSCR loans across Winnebago County, Wisconsin, 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 $220,000.
Winnebago County investor market at a glance
| Statistic | Winnebago County | Wisconsin | County rank |
|---|---|---|---|
| Investor loans | 249 | 8,874 | 9th of 17 |
| Reporting lenders | 65 | 462 | 10th of 17 |
| Loan volume | $49.3M | $1.96B | 9th of 17 |
| Average loan | $198K | $221K | 11th of 17 |
| Median loan | $165K | $175K | 9th of 17 |
| Purchases | 61.0% | 59.3% | 7th of 17 |
| Cash-out refinances | 15.3% | 16.9% | 8th of 17 |
| 2–4 unit properties | 48.2% | 41.0% | 3rd of 17 |
| Top five lenders' share | 43.8% | 14.2% | 8th of 17 |
| Reported business-purpose | 59.4% | 66.8% | 12th of 17 |
Winnebago County: closed-end loans on 1–4 unit investment properties. Winnebago County's rank is highest first, among Wisconsin's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Winnebago County's investor loans.
What stands out in Winnebago County
48.2% of Winnebago County's investor loans financed a 2–4 unit property, the 3rd-highest share of Wisconsin's 17 counties with published data (statewide: 41.0%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Winnebago County's 249 investor loans ranked 9th of Wisconsin's 17 counties with published data.
Does a DSCR loan pencil in Winnebago County?
At HUD's fair market rent of $1,609 for a 3-bedroom in Winnebago County, Wisconsin, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Winnebago County's median home value is $225,800; at that price the payment is $1,633 a month, so the property would need $1,650 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) | $1,195 / $1,609 / $1,646 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $225,800 |
| Median property taxes and effective rate | $3,679 (1.63% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,633 |
| Rent needed to cover that payment | $1,650 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $330,000 |
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 Winnebago County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Winnebago County?
The most active investment-property lenders in Winnebago County in 2025 HMDA data were West Pointe Bank, Nicolet National Bank and Community First, out of 65 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 Winnebago County, and matches each file to the one most likely to fund it.
Winnebago County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 249 loans and $49.3M from 65 lenders. West Pointe Bank led Winnebago County with 40 loans, 16.1% of the county's total, and the average Winnebago County loan of $198K compares with $221K across Wisconsin.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| West Pointe Bank | 40 | $7.7M | $192K | 77.5% |
| Nicolet National Bank | 22 | $5.9M | $269K | 90.9% |
| Community First | 20 | $3.7M | $183K | 25.0% |
| FOX COMMUNITIES Credit Union | 16 | $3.5M | $216K | 25.0% |
| UNISON CREDIT UNION | 11 | $1.8M | $161K | 27.3% |
| COVANTAGE CREDIT UNION | 9 | $1.7M | $188K | 55.6% |
| Kiavi Funding, Inc. | 9 | $1.5M | $169K | 66.7% |
| Bristol Morgan Bank | 8 | $1.6M | $204K | 75.0% |
| United Wholesale Mortgage | 8 | $1.6M | $194K | 100.0% |
| VERVE, A CREDIT UNION | 8 | $1.3M | $166K | 50.0% |
| Bank First, N.A. | 6 | $2.1M | $357K | 100.0% |
| Nations Lending Corporation | 6 | $1.2M | $205K | 50.0% |
| CAPITAL Credit Union | 6 | $1.1M | $192K | 50.0% |
| Premier Community Bank | 4 | $1.1M | $283K | 75.0% |
| CV3 Financial Services, LLC | 3 | $0.8M | $255K | 66.7% |
| The Bank of Kaukauna | 3 | $0.6M | $198K | 0.0% |
| Wolf River Community Bank | 3 | $0.6M | $185K | 100.0% |
| East Wisconsin Savings Bank | 3 | $0.5M | $175K | 33.3% |
| Horicon Bank | 3 | $0.5M | $172K | 66.7% |
| Rocket Mortgage, LLC | 3 | $0.4M | $142K | 33.3% |
| GUILD MORTGAGE COMPANY | 3 | $0.4M | $125K | 0.0% |
| American National Bank - Fox Cities | 3 | $0.4M | $122K | 0.0% |
| U.S. Bank National Association | 3 | $0.3M | $115K | 100.0% |
| Fortifi Bank | 2 | $0.4M | $190K | 50.0% |
| Summit Credit Union | 2 | $0.3M | $175K | 100.0% |
154 Wisconsin loans (1.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Winnebago County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Winnebago County CSV, all 25 lenders
What Winnebago County's table can't show you: fit. Short-term financing is exempt from HMDA, so Winnebago County's fix-and-flip and bridge lenders barely appear among its 65 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 →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Winnebago County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Winnebago County |
|---|---|---|---|
| Fond du Lac County, WI | 121 | 42 | Borders Winnebago County |
| Outagamie County, WI | 282 | 67 | Borders Winnebago County |
| Brown County, WI | 384 | 77 | About 45 miles away |
| Sheboygan County, WI | 200 | 62 | About 50 miles away |
| Marathon County, WI | 193 | 42 | About 80 miles away |
Run the coverage test on your Winnebago County, Wisconsin deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Winnebago County, Wisconsin 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 — Winnebago County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 65 lenders and 249 loans: 2025 HMDA loan-level data rolled up to Winnebago County.
- Winnebago County investor-lender dataset (CSV) — All 25 lenders in the Winnebago County, Wisconsin table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Winnebago 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 Oshkosh-Neenah, WI MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Winnebago 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.