151 lenders made at least one multifamily loan in North Carolina in 2024 or 2025. First Bank made the most in 2025, with 49 of the 758 on record.
Evidence
Lender made at least one multifamily loan in North Carolina in 2024 or 2025 (HMDA, manufactured-home parks excluded)
Data as of
HMDA 2025
Page last changed
November 11, 2026
Lenders on record
151
HMDA,
Multifamily loans, 2025
758
HMDA,
Manufactured-home parks excluded
Dollars, 2025
$8.54B
HMDA,
Loans, 2024
627
HMDA,
+20.9% in 2025
Cite this
Source: The Lender Report, Multifamily lenders in North Carolina, https://lender.report/multifamily-lenders/north-carolina/, data as of December 31, 2025.
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Lenders made 758 multifamily loans totaling $8.5B in North Carolina in 2025, up from 627 loans totaling $7.2B in 2024. HMDA,
20 of these loans (2024 and 2025) were made by lenders that have since merged or closed, or that the file lists under a name with no lender record here. They are counted in the totals here and appear in no lender's row. HMDA,
Banks and savings institutions made 398 of the 2025 loans, credit unions 31, and non-banks 326. HMDA,
The five most active lenders made 23.6% of North Carolina's multifamily loans in 2025. HMDA,
Berkeley Point Capital LLC made the most multifamily dollars in North Carolina in 2025, at $883.9M. HMDA,
29 of these lenders are based in North Carolina. HMDA,
36 lenders made a loan in North Carolina in 2025 and none in 2024. HMDA,
23 lenders made 10 or more loans in North Carolina in 2025. HMDA,
The typical multifamily loan in North Carolina was about $2.1M, with the middle half between $800K and $13M. HMDA,
Lenders reported a median rate of 6.58% on 1,195 loans in North Carolina, with the middle half between 5.90% and 7.50%. HMDA,
The median term in North Carolina was 5 years. HMDA,
47% of multifamily loans in North Carolina were refinancings. HMDA,
Most recorded loans in North Carolina were in Mecklenburg County, NC (163), Wake County, NC (129), Guilford County, NC (93). HMDA,
How this list is defined
Measure
Multifamily loans made in North Carolina
Period
2024 and 2025
Formula
Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in North Carolina, manufactured-home parks excluded. A lender is listed if it made at least one.
Order
Largest first by loans made in 2025, then loans in 2024, then dollars in 2025, then name. Payment is not part of the order.
: First published, with the data built on this date.
Is your institution on this list? Show your rank. It carries the date and links back to this page.
Multifamily loans finance buildings with five or more homes. HMDA is the one public file that lists them loan by loan.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
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.