DSCR Loans in Onslow 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, 120 lenders made 413 investment-property loans in Onslow County, 1.9% of North Carolina's total. Dominick Prevete arranges DSCR loans across Onslow 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 $285,000.
Onslow County investor market at a glance
| Statistic | Onslow County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 413 | 21,470 | 15th of 42 |
| Reporting lenders | 120 | 601 | 12th of 42 |
| Loan volume | $114.7M | $5.97B | 14th of 42 |
| Average loan | $278K | $278K | 19th of 42 |
| Median loan | $175K | $225K | 27th of 42 |
| Purchases | 63.7% | 64.5% | 23rd of 42 |
| Cash-out refinances | 17.9% | 15.7% | 15th of 42 |
| 2–4 unit properties | 5.6% | 6.3% | 25th of 42 |
| Top five lenders' share | 30.5% | 23.4% | 28th of 42 |
| Reported business-purpose | 72.6% | 70.9% | 24th of 42 |
Onslow County: closed-end loans on 1–4 unit investment properties. Onslow County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Onslow County's investor loans.
What stands out in Onslow County
Onslow County's 413 investor loans ranked 15th of North Carolina's 42 counties with published data.
Does a DSCR loan pencil in Onslow County?
At HUD's fair market rent of $1,826 for a 3-bedroom in Onslow County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Onslow County's median home value is $236,400; at that price the payment is $1,514 a month, so the property would need $1,525 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,319 / $1,826 / $2,205 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $236,400 |
| Median property taxes and effective rate | $1,502 (0.64% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,514 |
| Rent needed to cover that payment | $1,525 |
| Coverage of a 3-bedroom at fair market rent | 1.21 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
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 Onslow County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Onslow County?
The most active investment-property lenders in Onslow County in 2025 HMDA data were Kiavi Funding, Inc.; Integrity Home Mortgage Corporation; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 120 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 one that reported in Onslow County, and matches each file to the one most likely to fund it.
Onslow County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 413 loans and $114.7M from 120 lenders. Kiavi Funding, Inc. led Onslow County with 48 loans, 11.6% of the county's total, and the average Onslow County loan of $278K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 48 | $7.1M | $148K | 77.1% |
| Integrity Home Mortgage Corporation | 28 | $4.7M | $167K | 60.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 18 | $3.3M | $186K | 33.3% |
| Rocket Mortgage, LLC | 17 | $4.5M | $265K | 64.7% |
| MOVEMENT MORTGAGE, LLC | 15 | $6.0M | $400K | 60.0% |
| NEWREZ LLC | 15 | $2.9M | $196K | 86.7% |
| PENNYMAC LOAN SERVICES, LLC | 12 | $3.3M | $278K | 33.3% |
| Marine Federal Credit Union | 12 | $1.9M | $155K | 75.0% |
| Southern Bank and Trust Company | 11 | $2.4M | $215K | 90.9% |
| STATE EMPLOYEES' | 10 | $3.4M | $343K | 60.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $2.9M | $318K | 66.7% |
| Hometown Equity Mortgage, LLC | 9 | $2.7M | $301K | 11.1% |
| Loansteady LLC | 9 | $2.5M | $281K | 44.4% |
| First-Citizens Bank & Trust Company | 7 | $1.7M | $239K | 42.9% |
| T2 FINANCIAL LLC | 6 | $1.6M | $268K | 100.0% |
| Providence Bank | 6 | $1.3M | $212K | 66.7% |
| LIMA ONE CAPITAL, LLC | 6 | $1.3M | $210K | 50.0% |
| GUILD MORTGAGE COMPANY | 6 | $0.8M | $133K | 100.0% |
| Commerce Home Mortgage, Inc. | 4 | $2.9M | $733K | 100.0% |
| GUARANTEED RATE, INC. | 4 | $2.8M | $688K | 100.0% |
| First Bank | 4 | $1.9M | $470K | 100.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 4 | $1.3M | $335K | 75.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $1.1M | $263K | 0.0% |
| Navy Federal Credit Union | 4 | $0.7M | $163K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $2.6M | $878K | 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 Onslow County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Onslow County CSV, all 25 lenders
What Onslow County's table can't show you: fit. Short-term financing is exempt from HMDA, so Onslow County's fix-and-flip and bridge lenders barely appear among its 120 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 Onslow County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Onslow 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 — Onslow County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 120 lenders and 413 loans: 2025 HMDA loan-level data rolled up to Onslow County.
- Onslow County investor-lender dataset (CSV) — All 25 lenders in the Onslow County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Onslow 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 Jacksonville, NC MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Onslow 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.