Applications / Mortgage Analytics / Lenders / North Carolina / Grandbridge Real Estate Capital
Charlotte, NC · Non-bank subsidiary of a bank · CFPB · 58 loans in 2025
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58
loans originated, 2025
68
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Grandbridge Real Estate Capital, a Charlotte lender owned by a bank, makes few loans but very large ones: its typical loan in 2025 was $14.6 million, against $275,000 at similar lenders.
Similar lenders here are bank-owned non-bank lenders making between an eighth and eight times as many loans. Grandbridge's 58 loans came to $1.88 billion. No borrower incomes are reported for its loans, and 96.6% were conventional. Loans of this size may finance large buildings rather than family homes, so set beside home lenders its totals and rank say little about home buying.
It made 208 loans in 2021 and only 41 in 2024. The count recovered to 58 in 2025, a rise of 41%, while its peers' loans fell 5% and the whole market rose 10%. Because each loan is so large, a few deals more or fewer swing its yearly figures.
Of its loans, 58.6% financed property in majority-minority neighborhoods, the most among its peers, whose typical share was 26.5%. Some 31.6% were in low- and moderate-income neighborhoods, against 17.0% at its peers.
Its typical rate, 5.51%, was the lowest among its peers, whose typical rate was 6.50%. It lends across 20 states, with Florida its main state, and has reported since 2005.
Similar lenders: same lender type, originations between an eighth and eight times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Grandbridge Real Estate Capital took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 79.3% · Refinance 19.0% · Home improvement 1.7%
Conventional 96.6% · FHA 3.4% · of 58 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 14 | 24.1% |
| Georgia | 7 | 12.1% |
| Texas | 6 | 10.3% |
| Maryland | 4 | 6.9% |
| North Carolina | 4 | 6.9% |
| Missouri | 3 | 5.2% |
| South Carolina | 3 | 5.2% |
| Arizona | 2 | 3.4% |
| Kentucky | 2 | 3.4% |
| Nevada | 2 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Orlando-Kissimmee-Sanford | 6 |
| Atlanta-Sandy Springs-Roswell | 5 |
| Dallas-Plano-Irving | 3 |
| Kansas City | 3 |
| Augusta-Richmond County | 2 |
| Baltimore-Columbia-Towson | 2 |
| Charlotte-Concord-Gastonia | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 2 |
| Las Vegas-Henderson-North Las Vegas | 2 |
| Miami-Miami Beach-Kendall | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300337GB2P1WP7003 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2954330 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3562224037 | 2005–2010 |
| Respondent ID (the HMDA filer code before 2018) | 9562224037 | 2011–2016 |
| Respondent ID (the HMDA filer code before 2018) | 92954330 | 2017–2017 |
Established 8 August 2000. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Grandbridge Real Estate Capital's data.
Grandbridge Real Estate Capital's data
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