DSCR Loans in Catawba County, North Carolina
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 106 lenders made 439 investment-property loans in Catawba County, 2.0% of North Carolina's total. Dominick Prevete arranges DSCR loans across Catawba 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 $215,000.
Catawba County investor market at a glance
| Statistic | Catawba County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 439 | 21,470 | 12th of 42 |
| Reporting lenders | 106 | 601 | 16th of 42 |
| Loan volume | $105.7M | $5.97B | 16th of 42 |
| Average loan | $241K | $278K | 22nd of 42 |
| Median loan | $205K | $225K | 22nd of 42 |
| Purchases | 65.4% | 64.5% | 19th of 42 |
| Cash-out refinances | 14.1% | 15.7% | 29th of 42 |
| 2–4 unit properties | 14.1% | 6.3% | 7th of 42 |
| Top five lenders' share | 32.6% | 23.4% | 23rd of 42 |
| Reported business-purpose | 79.3% | 70.9% | 11th of 42 |
Catawba County: closed-end loans on 1–4 unit investment properties. Catawba County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Catawba County's investor loans.
What stands out in Catawba County
14.1% of Catawba County's investor loans financed a 2–4 unit property, the 7th-highest share of North Carolina's 42 counties with published data (statewide: 6.3%).
2–4 unit properties are a larger share here than in most of North Carolina. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
Catawba County's 439 investor loans ranked 12th of North Carolina's 42 counties with published data.
Does a DSCR loan pencil in Catawba County?
At HUD's fair market rent of $1,399 for a 3-bedroom in Catawba County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Catawba County's median home value is $241,600; at that price the payment is $1,536 a month, so the property would need $1,550 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) | $1,147 / $1,399 / $1,707 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $241,600 |
| Median property taxes and effective rate | $1,407 (0.58% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,536 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 0.91 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $360,000 |
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 Catawba County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Catawba County?
The most active investment-property lenders in Catawba County in 2025 HMDA data were DHI MORTGAGE COMPANY, LTD.; Kiavi Funding, Inc.; and STATE EMPLOYEES', out of 106 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 Catawba County, and matches each file to the one most likely to fund it.
Catawba County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 439 loans and $105.7M from 106 lenders. DHI MORTGAGE COMPANY, LTD. led Catawba County with 50 loans, 11.4% of the county's total, and the average Catawba County loan of $241K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 50 | $11.8M | $236K | 100.0% |
| Kiavi Funding, Inc. | 33 | $7.2M | $220K | 63.6% |
| STATE EMPLOYEES' | 23 | $4.6M | $201K | 60.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 19 | $4.9M | $259K | 52.6% |
| Peoples Bank | 18 | $3.3M | $181K | 77.8% |
| United Bank | 14 | $3.5M | $251K | 42.9% |
| INSPIRE HOME LOANS INC. | 13 | $2.1M | $160K | 100.0% |
| Ixonia Bank | 12 | $1.9M | $161K | 100.0% |
| THE LOAN STORE, INC. | 9 | $2.8M | $314K | 77.8% |
| ABL RPC Residential Credit Acquisition LLC | 9 | $2.2M | $244K | 22.2% |
| SKYLINE NATIONAL BANK | 9 | $1.3M | $147K | 66.7% |
| MOVEMENT MORTGAGE, LLC | 8 | $2.7M | $334K | 87.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $1.7M | $214K | 62.5% |
| DEEPHAVEN MORTGAGE LLC | 8 | $1.3M | $166K | 62.5% |
| First-Citizens Bank & Trust Company | 8 | $1.1M | $144K | 37.5% |
| LENNAR MORTGAGE, LLC | 7 | $1.6M | $229K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 7 | $1.0M | $139K | 28.6% |
| PENNYMAC LOAN SERVICES, LLC | 6 | $1.8M | $302K | 83.3% |
| Rocket Mortgage, LLC | 6 | $1.7M | $280K | 33.3% |
| NVR Mortgage Finance, Inc. | 6 | $1.5M | $245K | 100.0% |
| ICE LENDER HOLDINGS LLC | 6 | $1.4M | $235K | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | $2.4M | $473K | 20.0% |
| LEI:98450058D88OE4463626 | 5 | $2.4M | $473K | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | $2.0M | $391K | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | $1.1M | $219K | 80.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Catawba County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Catawba County CSV, all 25 lenders
What Catawba County's table can't show you: fit. Short-term financing is exempt from HMDA, so Catawba County's fix-and-flip and bridge lenders barely appear among its 106 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 Catawba County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Catawba 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 — Catawba County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 106 lenders and 439 loans: 2025 HMDA loan-level data rolled up to Catawba County.
- Catawba County investor-lender dataset (CSV) — All 25 lenders in the Catawba County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Catawba 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 Hickory-Lenoir-Morganton, NC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Catawba 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.