Private & Hard Money Lenders in Johnston County, NC
8 lenders funded 25 short-term investment-property loans in Johnston County in 2024 at a median rate of 12.30%. Ranked by verified loan volume — not paid placement.
Johnston County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 14 | 11.45% | 5 |
| 2 | LIMA ONE CAPITAL, LLC | 4 | 12.30% | 2 |
| 3 | Loan Funder LLC | 2 | — | — |
| 4 | UNITED COMMUNITY BANK | 1 | — | 4 |
| 5 | US BANK, N.A. | 1 | — | 3 |
| 6 | Easy Street Capital LLC | 1 | — | — |
| 7 | HOMETRUST BANK | 1 | — | — |
| 8 | Ice Lender Holdings LLC | 1 | — | — |
DSCR / long-term rental lenders in Johnston 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
8 lenders reported short-term, business-purpose investment loans in Johnston County in 2024 verified lending records — 25 loans totaling $5.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Johnston County's active lenders was 12.30% in 2024, with per-lender medians ranging from 11.45% to 12.30%. 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.