2025 · North Carolina
Most active investment-property lenders in North Carolina
In 2025, 20,219 investment-property loans were originated on single-family 1-4 unit homes in North Carolina. These are the lenders that wrote the most of them, by HMDA-reported volume.
North Carolina lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | Kiavi Funding, Inc. | DSCR / biz | 1,351 | $304M | 100% |
| 2 | State Employees' | DSCR / biz | 1,243 | $268M | 100% |
| 3 | Lennar Mortgage, LLC | Conventional | 926 | $236M | 1% |
| 4 | United Shore Financial Services, LLC | DSCR / biz | 891 | $214M | 100% |
| 5 | Rocket Mortgage, LLC | Conventional | 509 | $150M | 0% |
| 6 | DHI Mortgage Company, LTD. | DSCR / biz | 503 | $118M | 100% |
| 7 | Pennymac Loan Services, LLC | DSCR / biz | 425 | $137M | 100% |
| 8 | The Loan Store, Inc. | Conventional | 392 | $111M | 17% |
| 9 | Movement Mortgage, LLC | Mixed | 372 | $115M | 20% |
| 10 | Crosscountry Mortgage, Inc. | DSCR / biz | 295 | $84M | 100% |
Lenders with at least 10 reported investor originations in North Carolina, top 10.
How investors borrow in North Carolina
The rate premium, denial rate, and DSCR share in North Carolina — Investor Financing Report.
Where North Carolina cash-flows
Gross rental yield and top metros in North Carolina — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in North Carolina?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in North Carolina were Kiavi Funding, Inc. (1,351 originations), State Employees' (1,243), and Lennar Mortgage, LLC (926). 20,219 investor loans were originated statewide.
Which North Carolina lenders focus on DSCR / business-purpose loans?
Lenders whose North Carolina investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include Kiavi Funding, Inc., State Employees', United Shore Financial Services, LLC, DHI Mortgage Company, LTD.. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Compare lenders serving North Carolina
This ranks reported volume. To compare rates, LTV, and terms from lenders that actively lend in North Carolina, browse our directory: DSCR lenders, hard money, and fix-and-flip lenders in North Carolina.
Run a North Carolina deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.