DSCR Loans in Brunswick County, North Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 170 lenders made 663 investment-property loans in Brunswick County, 3.1% of North Carolina's total. Dominick Prevete arranges DSCR loans across Brunswick County, North Carolina, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $325,000.
Brunswick County investor market at a glance
| Statistic | Brunswick County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 663 | 21,470 | 7th of 42 |
| Reporting lenders | 170 | 601 | 4th of 42 |
| Loan volume | $285.9M | $5.97B | 3rd of 42 |
| Average loan | $431K | $278K | 4th of 42 |
| Median loan | $295K | $225K | 7th of 42 |
| Purchases | 75.9% | 64.5% | 3rd of 42 |
| Cash-out refinances | 9.7% | 15.7% | 40th of 42 |
| 2–4 unit properties | 2.1% | 6.3% | 39th of 42 |
| Top five lenders' share | 25.2% | 23.4% | 41st of 42 |
| Reported business-purpose | 62.7% | 70.9% | 36th of 42 |
Brunswick County: closed-end loans on 1–4 unit investment properties. Brunswick County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Brunswick County's investor loans.
What stands out in Brunswick County
The five most active lenders wrote 25.2% of Brunswick County's investor loans, the 2nd-lowest share of North Carolina's 42 counties with published data (statewide: 23.4%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
75.9% of Brunswick County's investor loans were purchases, the 3rd-highest share of North Carolina's 42 counties with published data (statewide: 64.5%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
9.7% of Brunswick County's investor loans were cash-out refinances, the 3rd-lowest share of North Carolina's 42 counties with published data (statewide: 15.7%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
Does a DSCR loan pencil in Brunswick County?
At HUD's fair market rent of $2,062 for a 3-bedroom in Brunswick County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $325,000, with 20% down at the 7.25% starting rate (November 2026). Brunswick County's median home value is $349,800; at that price the payment is $2,212 a month, so the property would need $2,225 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,574 / $2,062 / $2,407 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $349,800 |
| Median property taxes and effective rate | $1,890 (0.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,212 |
| Rent needed to cover that payment | $2,225 |
| Coverage of a 3-bedroom at fair market rent | 0.93 |
| Highest price a 3-bedroom at fair market rent covers | about $325,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Brunswick County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Brunswick County?
The most active investment-property lenders in Brunswick County in 2025 HMDA data were LENNAR MORTGAGE, LLC; STATE EMPLOYEES'; and DHI MORTGAGE COMPANY, LTD., out of 170 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in Brunswick County, and matches each file to the one most likely to fund it.
Brunswick County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 663 loans and $285.9M from 170 lenders. LENNAR MORTGAGE, LLC led Brunswick County with 57 loans, 8.6% of the county's total, and the average Brunswick County loan of $431K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LENNAR MORTGAGE, LLC | 57 | $10.7M | $187K | 100.0% |
| STATE EMPLOYEES' | 33 | $11.0M | $334K | 81.8% |
| DHI MORTGAGE COMPANY, LTD. | 28 | $5.4M | $192K | 100.0% |
| Rocket Mortgage, LLC | 26 | $15.1M | $581K | 73.1% |
| NEWREZ LLC | 23 | $8.8M | $384K | 69.6% |
| THE LOAN STORE, INC. | 20 | $10.3M | $516K | 80.0% |
| Kiavi Funding, Inc. | 20 | $4.9M | $247K | 85.0% |
| PENNYMAC LOAN SERVICES, LLC | 17 | $8.8M | $517K | 82.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 16 | $6.8M | $426K | 62.5% |
| ABL RPC Residential Credit Acquisition LLC | 12 | $12.1M | $1009K | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 12 | $3.1M | $261K | 75.0% |
| GUARANTEED RATE, INC. | 11 | $5.1M | $467K | 90.9% |
| Loan Funder LLC | 10 | $3.1M | $308K | 80.0% |
| AMERITRUST MORTGAGE CORPORATION | 9 | $10.8M | $1203K | 0.0% |
| MOVEMENT MORTGAGE, LLC | 9 | $3.9M | $428K | 100.0% |
| Hometown Equity Mortgage, LLC | 9 | $3.8M | $419K | 77.8% |
| First Bank | 9 | $2.8M | $309K | 100.0% |
| American Security Mortgage Corp. | 8 | $6.0M | $748K | 87.5% |
| CHAMPIONS FUNDING, LLC | 7 | $4.9M | $699K | 71.4% |
| Pinnacle Bank | 7 | $4.7M | $675K | 42.9% |
| Bank of America, National Association | 7 | $4.2M | $604K | 100.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | $3.7M | $532K | 71.4% |
| Wells Fargo Bank, National Association | 7 | $2.4M | $346K | 85.7% |
| Towne Bank | 6 | $6.7M | $1120K | 83.3% |
| Primis Mortgage Company | 6 | $3.6M | $602K | 66.7% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Brunswick County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Brunswick County CSV, all 25 lenders
What Brunswick County's table can't show you: fit. Short-term financing is exempt from HMDA, so Brunswick County's fix-and-flip and bridge lenders barely appear among its 170 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Brunswick County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Brunswick County, North Carolina property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Brunswick County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 170 lenders and 663 loans: 2025 HMDA loan-level data rolled up to Brunswick County.
- Brunswick County investor-lender dataset (CSV) — All 25 lenders in the Brunswick County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Brunswick County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Brunswick County, NC HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Brunswick County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.