DSCR Loans in Wise County, Texas
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)
Dominick Prevete arranges DSCR loans across Wise 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, 64 lenders made 129 investment-property loans there, 0.3% of Texas's total; the most active are in the table below.
Wise County investor market at a glance
| Statistic | Wise County | Texas | County rank |
|---|---|---|---|
| Investor loans | 129 | 49,613 | 47th of 51 |
| Reporting lenders | 64 | 903 | 41st of 51 |
| Loan volume | $31.3M | $13.00B | 46th of 51 |
| Average loan | $243K | $262K | 24th of 51 |
| Median loan | $225K | $205K | 11th of 51 |
| Purchases | 56.6% | 61.7% | 39th of 51 |
| Cash-out refinances | 17.1% | 17.9% | 26th of 51 |
| 2–4 unit properties | 9.3% | 8.8% | 24th of 51 |
| Top five lenders' share | 27.1% | 18.3% | 32nd of 51 |
| Reported business-purpose | 69.0% | 68.5% | 17th of 51 |
Wise County: closed-end loans on 1–4 unit investment properties. Wise County's rank is highest first, among Texas's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wise County's investor loans.
What stands out in Wise County
The five most active lenders wrote 27.1% of Wise County's investor loans, ranking 32nd highest of Texas's 51 counties with published data (statewide: 18.3%).
Five lenders write 27.1% of the loans here, so comparing written term sheets matters more.
The average investor loan in Wise County was $243K, ranking 28th lowest 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 Wise County?
The most active investment-property lenders in Wise County in 2025 HMDA data were DHI MORTGAGE COMPANY, LTD.; Legend Bank, N.A.; and American National Bank & Trust, out of 64 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 Wise County, and matches each file to the one most likely to fund it.
Wise County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 129 loans and $31.3M from 64 lenders. DHI MORTGAGE COMPANY, LTD. led Wise County with 9 loans, 7.0% of the county's total, and the average Wise County loan of $243K compares with $262K across Texas.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 9 | $2.4M | $269K | 100.0% |
| Legend Bank, N.A. | 8 | $2.0M | $246K | 25.0% |
| American National Bank & Trust | 7 | $1.7M | $241K | 71.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 6 | $1.9M | $310K | 33.3% |
| First Financial Bank | 5 | $1.7M | $347K | 60.0% |
| LENNAR MORTGAGE, LLC | 5 | $0.9M | $185K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 5 | $0.9M | $175K | 20.0% |
| Rocket Mortgage, LLC | 4 | $1.4M | $345K | 50.0% |
| Kiavi Funding, Inc. | 3 | $0.7M | $245K | 66.7% |
| EVERETT FINANCIAL, INC. | 3 | $0.6M | $215K | 0.0% |
| TEXAS REPUBLIC BANK, NATIONAL ASSOCIATION | 3 | $0.6M | $195K | 100.0% |
| TexasBank | 3 | $0.6M | $192K | 66.7% |
| 21st Mortgage Corporation | 3 | $0.4M | $128K | 100.0% |
| Fairway Independent Mortgage Corporation | 3 | $0.3M | $102K | 33.3% |
| CHAMPIONS FUNDING, LLC | 2 | $0.6M | $280K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.5M | $260K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.5M | $250K | 0.0% |
| Pinnacle Bank | 2 | $0.5M | $245K | 100.0% |
| Hometown Equity Mortgage, LLC | 2 | $0.5M | $235K | 0.0% |
| CMG MORTGAGE, INC. | 2 | $0.4M | $220K | 100.0% |
| Easy Street Capital, LLC | 2 | $0.4M | $215K | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | $0.3M | $160K | 100.0% |
| Citadel Servicing Corporation | 2 | $0.3M | $155K | 0.0% |
| First Bank | 2 | $0.3M | $135K | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 2 | $0.3M | $125K | 100.0% |
1,084 Texas loans (2.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wise County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Wise County CSV, all 25 lenders
What Wise County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wise County's fix-and-flip and bridge lenders barely appear among its 64 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 Wise County deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wise 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 — Wise County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 64 lenders and 129 loans: 2025 HMDA loan-level data rolled up to Wise County.
- Wise County investor-lender dataset (CSV) — All 25 Wise County lenders in the table, DHI MORTGAGE COMPANY, LTD. 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.