1-4 Unit Investor · NC
1-4 Unit Investor lenders in North Carolina
605 lenders made at least one 1-4 unit investor or business-purpose loan in North Carolina in 2025. State Employees' Credit Union made the most, with 1,781 of the 22,994 on record.
- Evidence
- Lender made at least one 1-4 unit investor or business-purpose loan in North Carolina in 2025 (HMDA)
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 605
- HMDA,
- Investor loans, 2025
- 22,994
- HMDA,
- 1-4 units or business purpose
- Based in the state
- 48
- HMDA,
Cite this
Source: The Lender Report, 1-4 Unit Investor lenders in North Carolina, https://lender.report/investor-1-4-lenders/north-carolina/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans in state | Loans nationwide | Typical loan |
|---|---|---|---|---|---|
| State Employees' Credit Union | Credit union | Raleigh, NC | 1,781 | 1,846 | $155K |
| Kiavi Funding, Inc. 1-4 unit investor record | Non-bank | San Francisco, CA | 1,435 | 25,518 | $215K |
| Lennar Mortgage, LLC | Non-bank | Miami, FL | 926 | 6,134 | $235K |
| United Wholesale Mortgage 1-4 unit investor record | Non-bank | Pontiac, MI | 892 | 31,218 | $205K |
| Rocket Mortgage 1-4 unit investor record | Non-bank | Detroit, MI | 607 | 13,753 | $215K |
| DHI Mortgage Company, LTD. | Non-bank | Austin, TX | 503 | 3,424 | $255K |
| Pennymac Loan Services LLC 1-4 unit investor record | Non-bank | Westlake Village, CA | 428 | 6,372 | $335K |
| Movement Mortgage, LLC 1-4 unit investor record | Non-bank | Indian Land, SC | 412 | 3,397 | $255K |
| The Loan Store, Inc 1-4 unit investor record | Non-bank | Tucson, AZ | 412 | 11,868 | $275K |
| RCN Capital, LLC | Non-bank | South Windsor, CT | 310 | 7,774 | $165K |
| Crosscountry Mortgage, LLC 1-4 unit investor record | Non-bank | Cleveland, OH | 307 | 10,082 | $265K |
| Anchor Loans LP 1-4 unit investor record | Non-bank | Thousand Oaks, CA | 271 | 1,577 | $465K |
| Southern Bank and Trust Company 1-4 unit investor record | Bank | Mount Olive, NC | 264 | 288 | $185K |
| Lima One Capital, LLC 1-4 unit investor record | Non-bank | Greenville, SC | 258 | 2,316 | $215K |
| Loan Funder LLC 1-4 unit investor record | Non-bank | New York, NY | 257 | 9,296 | $245K |
| loanDepot.com LLC 1-4 unit investor record | Non-bank | Irvine, CA | 254 | 2,801 | $265K |
| Deephaven Mortgage LLC 1-4 unit investor record | Non-bank | Charlotte, NC | 245 | 4,914 | $215K |
| Union Home Mortgage Corp. 1-4 unit investor record | Non-bank | Strongsville, OH | 221 | 2,685 | $195K |
| First-Citizens Bank & Trust Company 1-4 unit investor record | Bank | Raleigh, NC | 218 | 457 | $205K |
| Newrez LLC 1-4 unit investor record | Non-bank | Fort Washington, PA | 218 | 5,250 | $255K |
| RF Renovo Management Company, LLC 1-4 unit investor record | Non-bank | Chicago, IL | 216 | 5,969 | $245K |
| Pulte Mortgage LLC | Non-bank | Denver, CO | 206 | 732 | $295K |
| ALCOVA Mortgage, LLC | Non-bank | Roanoke, VA | 205 | 453 | $205K |
| Champions Funding, LLC 1-4 unit investor record | Non-bank | Gilbert, AZ | 203 | 7,467 | $295K |
| American Security Mortgage Corp. | Non-bank | Charlotte, NC | 182 | 199 | $285K |
See all 605 1-4 unit investor lenders in North Carolina in Loan Comps
- Lenders made 22,994 1-4 unit investor or business-purpose loans in North Carolina in 2025. HMDA,
- The five most active lenders made 24.5% of them. HMDA,
- Non-banks made 73.1% of these loans in North Carolina. HMDA,
- 247 lenders made 10 or more of these loans in North Carolina in 2025. HMDA,
- 48 of these lenders are based in North Carolina, and the rest lend in from other states. HMDA,
- State Employees' Credit Union made 1,781 loans here, and Kiavi Funding, Inc. made 1,435. HMDA,
- These lenders: 180 banks, 25 savings institutions, 73 credit unions and 327 non-bank lenders. HMDA,
- Among these lenders, the median 1-4 unit investor loan nationally is $235K. HMDA,
How this list is defined
- Measure
- 1-4 unit investor loans made in North Carolina
- Period
- 2025
- Formula
- Count, by lender, of HMDA records for 1-4 unit loans that are non-owner-occupied or business purpose, placed in North Carolina in 2025. A lender is listed if it made at least one.
- Order
- Largest first by loans made in 2025, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
These are rental homes of up to four units, financed by the investor and not the person living there, including business-purpose loans.
HMDA reports these loans by lender and state, without dollars by state. It cannot tell a DSCR loan from a full-documentation investor loan.
Each lender is counted only where the public file places the loan. Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.