Investment property lenders in Cleveland County, North Carolina
Fat Boy Data analyzed investment property mortgage activity in Cleveland County, North Carolina, home to Shelby, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 319 applications were decided by 89 lenders between 2023 and 2025.
Cleveland County at a glance
How Cleveland County compares
What the data shows
Bank OZK made the most investment property mortgages in Cleveland County, NC, 26 of them.
The Fidelity Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 22.
Lenders approved 76.2% of investment property mortgage applications in Cleveland County, NC, 13.1 percentage points below the North Carolina rate of 89.3%.
The typical investment property mortgage here is $135K, 47% smaller than the North Carolina typical of $255K.
Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.
Investment property lenders in Cleveland County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Vanderbilt Mortgage and Finance, Inc. | 23% | 9 / 39 | 56% | $75K | 5 |
| 2 | Bank OZK | 93% | 26 / 28 | 100% | $75K | 26 |
| 3 | The Fidelity Bank | 100% | 22 / 22 | 95% | $135K | 21 |
| 4 | Kiavi Funding, Inc. | 86% | 19 / 22 | 95% | $155K | 18 |
| 5 | State Employees' | 85% | 17 / 20 | 94% | $135K | 16 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.
Fat Boy found 84 more lenders.
One email unlocks every lender Fat Boy found.
You are seeing the 5 largest investment property mortgage lenders in Cleveland County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.
- Every lender in the market
- Approval rate and borrower take-up
- Typical loan size and range
- Nearest office and distance
- Branch count and application options
- How easy each lender is to reach
We email you the unlock link plus occasional updates on this market. We may also share your interest with mortgage providers so they can contact you.See how we use your data. Unsubscribe any time.