DSCR Loans in York County, Maine
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, 98 lenders made 358 investment-property loans in York County, 20.1% of Maine's total. Dominick Prevete arranges DSCR loans across York County, Maine, 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 $365,000.
York County investor market at a glance
| Statistic | York County | Maine | County rank |
|---|---|---|---|
| Investor loans | 358 | 1,783 | 1st of 6 |
| Reporting lenders | 98 | 196 | 1st of 6 |
| Loan volume | $153.5M | $571.4M | 1st of 6 |
| Average loan | $429K | $320K | 1st of 6 |
| Median loan | $365K | $265K | 1st of 6 |
| Purchases | 62.8% | 60.9% | 2nd of 6 |
| Cash-out refinances | 16.8% | 14.9% | 2nd of 6 |
| 2–4 unit properties | 29.1% | 35.6% | 5th of 6 |
| Top five lenders' share | 31.8% | 27.0% | 6th of 6 |
| Reported business-purpose | 66.2% | 69.3% | 5th of 6 |
York County: closed-end loans on 1–4 unit investment properties. York County's rank is highest first, among Maine's counties with at least 100 investor loans and 25 reporting lenders. Shares are of York County's investor loans.
What stands out in York County
The median investor loan in York County was $365K, the highest median of Maine's 6 counties with published data (statewide: $265K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
The five most active lenders wrote 31.8% of York County's investor loans, the lowest share of Maine's 6 counties with published data (statewide: 27.0%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in York County?
At HUD's fair market rent of $2,464 for a 3-bedroom in York County, Maine, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). York County's median home value is $395,700; at that price the payment is $2,640 a month, so the property would need $2,650 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) | $1,792 / $2,464 / $2,773 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $395,700 |
| Median property taxes and effective rate | $3,787 (0.96% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,640 |
| Rent needed to cover that payment | $2,650 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
| HUD area | York County, ME (part) HUD Metro FMR Area |
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 York County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in York County?
The most active investment-property lenders in York County in 2025 HMDA data were Kennebunk Savings Bank, The Camden National Bank and United Wholesale Mortgage, out of 98 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.
York County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 358 loans and $153.5M from 98 lenders. Kennebunk Savings Bank led York County with 28 loans, 7.8% of the county's total, and the average York County loan of $429K compares with $320K across Maine.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kennebunk Savings Bank | 28 | $13.0M | $463K | 75.0% |
| The Camden National Bank | 27 | $14.2M | $526K | 74.1% |
| United Wholesale Mortgage | 24 | $8.6M | $360K | 75.0% |
| Maine Community Bank | 18 | $5.6M | $313K | 66.7% |
| Bangor Savings Bank | 17 | $8.8M | $516K | 82.4% |
| Saco & Biddeford Savings Institution | 15 | $4.2M | $278K | 73.3% |
| GUARANTEED RATE, INC. | 12 | $5.2M | $437K | 75.0% |
| GUILD MORTGAGE COMPANY | 12 | $3.9M | $328K | 75.0% |
| SIS BANCORP, MHC | 12 | $3.8M | $313K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 11 | $6.7M | $612K | 63.6% |
| CMG MORTGAGE, INC. | 10 | $3.3M | $325K | 70.0% |
| PEOPLESCHOICE CREDIT UNION | 9 | $3.7M | $414K | 33.3% |
| Leader Bank, National Association | 7 | $3.6M | $521K | 85.7% |
| NORTHPOINT MORTGAGE, INC. | 7 | $2.8M | $405K | 85.7% |
| Rocket Mortgage, LLC | 6 | $1.9M | $317K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 4 | $2.2M | $543K | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | $2.0M | $505K | 25.0% |
| Hometown Equity Mortgage, LLC | 4 | $1.4M | $355K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | $1.3M | $330K | 50.0% |
| Norway Savings Bank | 4 | $1.1M | $265K | 50.0% |
| ABL RPC Residential Credit Acquisition LLC | 3 | $3.0M | $998K | 0.0% |
| CCG Fund 1, LLC | 3 | $2.4M | $785K | 33.3% |
| BUILDERS CHOICE MORTGAGE LLC | 3 | $2.2M | $745K | 66.7% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $2.2M | $742K | 100.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 3 | $2.1M | $692K | 33.3% |
12 Maine loans (0.7%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for York County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · York County CSV, all 25 lenders
What York County's table can't show you: fit. Short-term financing is exempt from HMDA, so York County's fix-and-flip and bridge lenders barely appear among its 98 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 →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 York County with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from York County |
|---|---|---|---|
| Cumberland County, ME | 343 | 93 | Borders York County |
| Strafford County, NH | 138 | 62 | Borders York County |
| Rockingham County, NH | 243 | 108 | Borders York County |
| Carroll County, NH | 135 | 77 | Borders York County |
| Oxford County, ME | 102 | 45 | Borders York County |
Run the coverage test on your York County, Maine deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a York County, Maine 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 — York County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 98 lenders and 358 loans: 2025 HMDA loan-level data rolled up to York County.
- York County investor-lender dataset (CSV) — All 25 lenders in the York County, Maine table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — York 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 York County, ME (part) HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — York 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.