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investment property refinance lenders · HMDA 2023–2025

Investment property refinance lenders in North Carolina

Fat Boy Data analyzed investment property refinance activity in North Carolina to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,408 applications were decided by 433 lenders between 2023 and 2025.

North Carolina at a glance

433Active lenders78 with 20+ decisions
77.3%Market approval rate6,496 of 8,408 decided
$195KTypical loanmedian lender, $10K brackets
93%Borrower take-up6,063 loans funded

How North Carolina compares

Approval rate compared
North Carolina77.3%All 616 counties77.7%
Typical loan compared
North Carolina$195KAll 616 counties$235K

What the data shows

Kiavi Funding, Inc. made the most investment property refinances in North Carolina, 909 of them.

Lumbee Guaranty Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 83.

The typical investment property refinance here is $195K, 17% smaller than the the United States typical of $235K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 27% approved of 37Hometown Equity Mortgage, LLC: 29% approved of 41Fifth Third Bank, National Association: 31% approved of 35Lakeview Loan Servicing, LLC: 34% approved of 82Bank of America, National Association: 36% approved of 103Ice Lender Holdings LLC: 36% approved of 36Truist Bank: 38% approved of 106Truliant Federal Credit Union: 40% approved of 35Navy Federal Credit Union: 42% approved of 92Lendingone, LLC: 45% approved of 162Homexpress Mortgage Corp.: 52% approved of 62Better Mortgage Corporation: 53% approved of 34Deephaven Mortgage LLC: 58% approved of 52Cv3 Financial Services, LLC: 58% approved of 45First National Bank of Pennsylvania: 61% approved of 102Kind Lending, LLC: 61% approved of 59Wells Fargo Bank, National Association: 62% approved of 86Loandepot.Com, LLC: 62% approved of 40Champions Funding, LLC: 64% approved of 36PNC Bank, National Association: 65% approved of 46Royal United Mortgage LLC: 67% approved of 85State Employees': 67% approved of 906Newrez LLC: 68% approved of 59Abl Rpc Residential Credit Acquisition LLC: 70% approved of 47Ocmbc, Inc.: 70% approved of 44Capital Center, L.L.C.: 71% approved of 34Rocket Mortgage, LLC: 72% approved of 201TD Bank, National Association: 72% approved of 39United Community Bank: 72% approved of 39First-Citizens Bank & Trust Company: 76% approved of 236Pinnacle Bank: 78% approved of 69Temple View Capital Funding, Lp: 80% approved of 112United Wholesale Mortgage, LLC: 82% approved of 416Loan Funder LLC: 84% approved of 61Peoples Bank: 84% approved of 43Bpl Mortgage, LLC: 85% approved of 85Freedom Mortgage Corporation: 85% approved of 33Lima One Capital, LLC: 85% approved of 126Pennymac Loan Services, LLC: 86% approved of 213Bank OZK: 86% approved of 43Guaranteed Rate, Inc.: 86% approved of 36Kiavi Funding, Inc.: 89% approved of 1,047TowneBank: 91% approved of 43American Heritage Lending, LLC: 91% approved of 104United Bank: 91% approved of 47Corevest American Finance Lender LLC: 91% approved of 47Cmg Mortgage, Inc.: 92% approved of 38Alcova Mortgage LLC: 93% approved of 109Churchill Funding I LLC: 93% approved of 60Movement Mortgage, LLC: 94% approved of 72Crosscountry Mortgage, LLC: 95% approved of 55Piedmont Federal Savings Bank: 95% approved of 37Southern Bank and Trust Company: 95% approved of 37First Bank: 96% approved of 54The Loan Store, Inc.: 97% approved of 127Cornerstone First Mortgage, Inc: 97% approved of 37Dominion Financial Services, LLC: 100% approved of 212Lumbee Guaranty Bank: 100% approved of 83General Mortgage Capital Corporation: 100% approved of 52Rf Renovo Management Company, LLC: 100% approved of 39

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property refinance lenders in North Carolina

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.89%933 / 1,04797%$185K909
2State Employees'67%608 / 90698%$125K595
3United Wholesale Mortgage, LLCBroker only82%343 / 41697%$275K334
4First-Citizens Bank & Trust Company76%179 / 23690%$175K162
5Pennymac Loan Services, LLC86%183 / 21397%$285K178

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 428 more lenders.

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You are seeing the 5 largest investment property refinance lenders in North Carolina. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.

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Other lending data for North Carolina

Mortgage lenders in North CarolinaHome improvement loans in North CarolinaCash-out refinance in North CarolinaRefinance in North CarolinaInvestment property purchase in North CarolinaInvestment cash-out refinance in North CarolinaInvestment home improvement in North Carolina

Counties in North Carolina

Wake CountyCountyMecklenburg CountyCountyGuilford CountyCountyForsyth CountyCountyCumberland CountyCountyDurham CountyCountyBuncombe CountyCountyUnion CountyCountyGaston CountyCountyCabarrus CountyCountyNew Hanover CountyCountyJohnston CountyCounty