DSCR Loans in Wilson 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, 62 lenders made 173 investment-property loans in Wilson County, 0.8% of North Carolina's total. Dominick Prevete arranges DSCR loans across Wilson 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 $205,000.
Wilson County investor market at a glance
| Statistic | Wilson County | North Carolina | County rank |
|---|---|---|---|
| Investor loans | 173 | 21,470 | 28th of 42 |
| Reporting lenders | 62 | 601 | 30th of 42 |
| Loan volume | $27.3M | $5.97B | 34th of 42 |
| Average loan | $158K | $278K | 37th of 42 |
| Median loan | $155K | $225K | 34th of 42 |
| Purchases | 71.1% | 64.5% | 11th of 42 |
| Cash-out refinances | 11.0% | 15.7% | 37th of 42 |
| 2–4 unit properties | 16.8% | 6.3% | 2nd of 42 |
| Top five lenders' share | 42.2% | 23.4% | 8th of 42 |
| Reported business-purpose | 78.6% | 70.9% | 15th of 42 |
Wilson County: closed-end loans on 1–4 unit investment properties. Wilson County's rank is highest first, among North Carolina's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Wilson County's investor loans.
What stands out in Wilson County
16.8% of Wilson County's investor loans financed a 2–4 unit property, the 2nd-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.
The average investor loan in Wilson County was $158K, the 6th-lowest average of North Carolina's 42 counties with published data (statewide: $278K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
11.0% of Wilson County's investor loans were cash-out refinances, the 6th-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 Wilson County?
At HUD's fair market rent of $1,356 for a 3-bedroom in Wilson County, North Carolina, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Wilson County's median home value is $186,000; at that price the payment is $1,215 a month, so the property would need $1,225 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) | $1,069 / $1,356 / $1,658 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $186,000 |
| Median property taxes and effective rate | $1,471 (0.79% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,215 |
| Rent needed to cover that payment | $1,225 |
| Coverage of a 3-bedroom at fair market rent | 1.12 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
| Highest price two 2-bedroom units at fair market rent cover | 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 Wilson County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Wilson County?
The most active investment-property lenders in Wilson County in 2025 HMDA data were LIMA ONE CAPITAL, LLC; Kiavi Funding, Inc.; and STATE EMPLOYEES', out of 62 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 Wilson County, and matches each file to the one most likely to fund it.
Wilson County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 173 loans and $27.3M from 62 lenders. LIMA ONE CAPITAL, LLC led Wilson County with 20 loans, 11.6% of the county's total, and the average Wilson County loan of $158K compares with $278K across North Carolina.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| LIMA ONE CAPITAL, LLC | 20 | $2.6M | $128K | 65.0% |
| Kiavi Funding, Inc. | 19 | $3.2M | $170K | 36.8% |
| STATE EMPLOYEES' | 16 | $2.3M | $143K | 87.5% |
| Southern Bank and Trust Company | 9 | $1.9M | $211K | 100.0% |
| Providence Bank | 9 | $1.2M | $138K | 100.0% |
| Loan Funder LLC | 7 | $1.2M | $175K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 7 | $0.8M | $111K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $0.7M | $165K | 50.0% |
| KS BANK, INC. | 4 | $0.6M | $160K | 75.0% |
| CV3 FINANCIAL SERVICES, LLC | 3 | $0.7M | $228K | 66.7% |
| VELOCIO MORTGAGE L.L.C. | 3 | $0.5M | $182K | 100.0% |
| First-Citizens Bank & Trust Company | 3 | $0.5M | $165K | 100.0% |
| Rocket Mortgage, LLC | 3 | $0.5M | $152K | 66.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | $0.4M | $138K | 66.7% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $0.3M | $115K | 33.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | $0.3M | $85K | 66.7% |
| United Bank | 2 | $0.5M | $225K | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 2 | $0.4M | $220K | 100.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | $0.4M | $205K | 100.0% |
| LENDSURE MORTGAGE CORP. | 2 | $0.4M | $180K | 100.0% |
| THE LOAN STORE, INC. | 2 | $0.3M | $165K | 100.0% |
| OAKTREE FUNDING CORP. | 2 | $0.3M | $165K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 2 | $0.3M | $160K | 50.0% |
| GoPrime Mortgage, Inc. | 2 | $0.3M | $155K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.3M | $145K | 100.0% |
846 North Carolina loans (3.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Wilson County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Wilson County CSV, all 25 lenders
What Wilson County's table can't show you: fit. Short-term financing is exempt from HMDA, so Wilson County's fix-and-flip and bridge lenders barely appear among its 62 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 Wilson County, North Carolina deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Wilson 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 — Wilson County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 62 lenders and 173 loans: 2025 HMDA loan-level data rolled up to Wilson County.
- Wilson County investor-lender dataset (CSV) — All 25 lenders in the Wilson County, North Carolina table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Wilson 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 Wilson County, NC.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Wilson 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.