Private & Hard Money Lenders in Gaston County, NC
16 lenders funded 132 short-term investment-property loans in Gaston County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Gaston County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 45 | 10.49% | 13 |
| 2 | LIMA ONE CAPITAL, LLC | 23 | 11.05% | 2 |
| 3 | Loan Funder LLC | 15 | 11.25% | 4 |
| 4 | RF Renovo Management Company, LLC | 13 | 10.25% | 14 |
| 5 | Easy Street Capital LLC | 11 | 10.90% | — |
| 6 | Conventus Lending LLC | 6 | 11.49% | 1 |
| 7 | Archwest Funding | 3 | 10.75% | 7 |
| 8 | Dominion Financial Services, LLC | 3 | 11.00% | 6 |
| 9 | 212 Loans, LLC | 3 | 12.00% | — |
| 10 | LendingOne LLC | 2 | — | 11 |
| 11 | UNITED BANK | 2 | — | 6 |
| 12 | Peoples Bank | 2 | — | 1 |
| 13 | THE FIDELITY BANK | 1 | — | 3 |
| 14 | Churchill Funding I LLC | 1 | — | — |
| 15 | RPE Home, Inc | 1 | — | — |
| 16 | SouthState Bank, N.A. | 1 | — | — |
DSCR / long-term rental lenders in Gaston County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
16 lenders reported short-term, business-purpose investment loans in Gaston County in 2024 verified lending records — 132 loans totaling $30.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Gaston County's active lenders was 11.00% in 2024, with per-lender medians ranging from 10.25% to 12.00%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.