DSCR Loans in Worcester 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, 114 lenders made 352 investment-property loans in Worcester County, 3.6% of Maryland's total. Dominick Prevete arranges DSCR loans across Worcester 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 $250,000.
Worcester County investor market at a glance
| Statistic | Worcester County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 352 | 9,728 | 6th of 15 |
| Reporting lenders | 114 | 412 | 7th of 15 |
| Loan volume | $116.0M | $2.59B | 6th of 15 |
| Average loan | $330K | $266K | 4th of 15 |
| Median loan | $280K | $225K | 6th of 15 |
| Purchases | 79.5% | 56.1% | 1st of 15 |
| Cash-out refinances | 10.2% | 20.9% | 14th of 15 |
| 2–4 unit properties | 4.3% | 7.2% | 7th of 15 |
| Top five lenders' share | 27.8% | 24.7% | 8th of 15 |
| Reported business-purpose | 54.0% | 75.0% | 15th of 15 |
Worcester County: closed-end loans on 1–4 unit investment properties. Worcester County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Worcester County's investor loans.
What stands out in Worcester County
54.0% of Worcester County's investor loans were reported as business-purpose, the 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.
79.5% of Worcester County's investor loans were purchases, the highest share of Maryland's 15 counties with published data (statewide: 56.1%).
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.
10.2% of Worcester County's investor loans were cash-out refinances, the 2nd-lowest share of Maryland's 15 counties with published data (statewide: 20.9%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Worcester County?
At HUD's fair market rent of $1,639 for a 3-bedroom in Worcester County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $250,000, with 20% down at the 7.25% starting rate (November 2026). Worcester County's median home value is $374,700; at that price the payment is $2,429 a month, so the property would need $2,450 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) | $1,184 / $1,639 / $1,979 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $374,700 |
| Median property taxes and effective rate | $2,738 (0.73% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,429 |
| Rent needed to cover that payment | $2,450 |
| Coverage of a 3-bedroom at fair market rent | 0.67 |
| Highest price a 3-bedroom at fair market rent covers | about $250,000 |
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 Worcester County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Worcester County?
The most active investment-property lenders in Worcester County in 2025 HMDA data were MOVEMENT MORTGAGE, LLC; DIRECT MORTGAGE LOANS, LLC; and NFM, INC., out of 114 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.
Worcester County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 352 loans and $116.0M from 114 lenders. MOVEMENT MORTGAGE, LLC led Worcester County with 35 loans, 9.9% of the county's total, and the average Worcester County loan of $330K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 35 | $11.7M | $335K | 94.3% |
| DIRECT MORTGAGE LOANS, LLC | 23 | $7.7M | $335K | 82.6% |
| NFM, INC. | 16 | $5.4M | $340K | 75.0% |
| EMBRACE HOME LOANS, INC. | 13 | $3.4M | $262K | 92.3% |
| CMG MORTGAGE, INC. | 11 | $3.4M | $305K | 81.8% |
| FIRST HOME MORTGAGE CORPORATION | 10 | $3.2M | $317K | 100.0% |
| Rocket Mortgage, LLC | 10 | $2.5M | $252K | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $2.9M | $323K | 55.6% |
| LENNAR MORTGAGE, LLC | 8 | $3.4M | $426K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $2.7M | $338K | 100.0% |
| Cornerstone First Mortgage, Inc | 7 | $4.1M | $585K | 85.7% |
| DEEPHAVEN MORTGAGE LLC | 6 | $1.4M | $238K | 33.3% |
| KIND LENDING, LLC | 6 | $1.4M | $228K | 83.3% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | 6 | $1.1M | $185K | 83.3% |
| DOMINION FINANCIAL SERVICES, LLC | 5 | $3.3M | $663K | 60.0% |
| Shore United Bank, N.A. | 5 | $1.7M | $333K | 80.0% |
| Luminate Bank | 5 | $1.7M | $331K | 80.0% |
| NEWREZ LLC | 5 | $0.9M | $187K | 80.0% |
| Prosperity Home Mortgage, LLC | 5 | $0.9M | $179K | 100.0% |
| THE LOAN STORE, INC. | 4 | $1.9M | $463K | 75.0% |
| Truist Bank | 4 | $1.5M | $385K | 100.0% |
| GUARANTEED RATE, INC. | 4 | $1.5M | $370K | 100.0% |
| Towne Bank | 4 | $1.4M | $348K | 100.0% |
| LINKBANK | 4 | $1.4M | $338K | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | $1.3M | $333K | 100.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Worcester County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Worcester County CSV, all 25 lenders
What Worcester County's table can't show you: fit. Short-term financing is exempt from HMDA, so Worcester County's fix-and-flip and bridge lenders barely appear among its 114 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 Worcester County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Worcester 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 — Worcester County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 114 lenders and 352 loans: 2025 HMDA loan-level data rolled up to Worcester County.
- Worcester County investor-lender dataset (CSV) — All 25 lenders in the Worcester County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Worcester 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 Worcester County, MD.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Worcester 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.