Private & Hard Money Lenders in North Carolina
78 lenders funded 2,312 short-term investment-property loans ($1.6B) across North Carolina in 2024, at a median note rate of 10.50%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in North Carolina by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 910 | 10.75% |
| 2 | LIMA ONE CAPITAL, LLC | 205 | 11.10% |
| 3 | Loan Funder LLC | 203 | 11.50% |
| 4 | Easy Street Capital LLC | 135 | 10.90% |
| 5 | RF Renovo Management Company, LLC | 126 | 10.25% |
| 6 | Dominion Financial Services, LLC | 92 | 11.00% |
| 7 | Temple View Capital Funding LP | 53 | 10.50% |
| 8 | Churchill Funding I LLC | 51 | 10.75% |
| 9 | LendingOne LLC | 51 | 10.49% |
| 10 | RPE Home, Inc | 43 | 11.75% |
North Carolina hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Mecklenburg County
29 lenders · 416 loans
Cumberland County
11 lenders · 184 loans
Wake County
34 lenders · 135 loans
Gaston County
16 lenders · 132 loans
Guilford County
18 lenders · 110 loans
Forsyth County
19 lenders · 80 loans
Brunswick County
13 lenders · 74 loans
Cabarrus County
11 lenders · 69 loans
New Hanover County
14 lenders · 67 loans
Durham County
16 lenders · 64 loans
Iredell County
15 lenders · 64 loans
Onslow County
10 lenders · 63 loans
Rowan County
13 lenders · 57 loans
Hoke County
5 lenders · 56 loans
Union County
12 lenders · 46 loans
Catawba County
10 lenders · 41 loans
Pitt County
12 lenders · 40 loans
Moore County
9 lenders · 38 loans
Alamance County
8 lenders · 35 loans
Davidson County
10 lenders · 34 loans
Harnett County
8 lenders · 34 loans
Wayne County
11 lenders · 28 loans
Johnston County
8 lenders · 25 loans
Cleveland County
9 lenders · 21 loans
Buncombe County
13 lenders · 20 loans
Pender County
7 lenders · 20 loans
Nash County
6 lenders · 19 loans
Randolph County
9 lenders · 19 loans
Lincoln County
6 lenders · 15 loans
Wilson County
7 lenders · 15 loans
Craven County
8 lenders · 13 loans
Edgecombe County
7 lenders · 12 loans
Franklin County
4 lenders · 12 loans
Pasquotank County
4 lenders · 12 loans
Rockingham County
8 lenders · 12 loans
Stanly County
9 lenders · 12 loans
Caldwell County
6 lenders · 11 loans
Orange County
7 lenders · 11 loans
Burke County
7 lenders · 10 loans
Carteret County
6 lenders · 10 loans
Chatham County
5 lenders · 9 loans
Columbus County
4 lenders · 9 loans
Lee County
4 lenders · 9 loans
Henderson County
4 lenders · 8 loans
Jackson County
6 lenders · 8 loans
Rutherford County
6 lenders · 8 loans
Sampson County
4 lenders · 8 loans
Surry County
5 lenders · 8 loans
Robeson County
4 lenders · 7 loans
Dare County
4 lenders · 6 loans
Halifax County
3 lenders · 6 loans
Perquimans County
3 lenders · 6 loans
Person County
4 lenders · 6 loans
Beaufort County
3 lenders · 5 loans
Vance County
3 lenders · 5 loans
Watauga County
5 lenders · 5 loans
Anson County
3 lenders · 4 loans
Currituck County
3 lenders · 4 loans
Lenoir County
3 lenders · 4 loans
Warren County
4 lenders · 4 loans
Haywood County
3 lenders · 3 loans
Scotland County
3 lenders · 3 loans
Limited 2024 activity (1–2 reporting lenders): Wilkes County, Granville County, Yadkin County, Ashe County, Avery County, Davie County, Duplin County, McDowell County, Richmond County, Stokes County, Alexander County, Bladen County, Camden County, Caswell County, Cherokee County, Hertford County, Macon County, Madison County, Yancey County. These counties are typically served by the statewide lenders above.