Private & Hard Money Lenders in Mecklenburg County, NC
29 lenders funded 416 short-term investment-property loans in Mecklenburg County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Mecklenburg County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 120 | 10.45% | 38 |
| 2 | LIMA ONE CAPITAL, LLC | 46 | 10.45% | 11 |
| 3 | Easy Street Capital LLC | 45 | 10.90% | — |
| 4 | Dominion Financial Services, LLC | 37 | 11.00% | 15 |
| 5 | Loan Funder LLC | 30 | 10.75% | 11 |
| 6 | Genesis Capital, LLC | 24 | 9.75% | — |
| 7 | RF Renovo Management Company, LLC | 18 | 9.99% | 18 |
| 8 | 212 Loans, LLC | 15 | 11.99% | — |
| 9 | Temple View Capital Funding LP | 12 | 10.50% | 8 |
| 10 | ABL RPC Residential Credit Acquisition LLC | 12 | 13.13% | 2 |
| 11 | Churchill Funding I LLC | 9 | 11.00% | 16 |
| 12 | Arixa Enhanced Income Fund, LP | 8 | 10.99% | — |
| 13 | UNITED BANK | 7 | 8.75% | 7 |
| 14 | BANK OZK | 7 | 9.00% | 4 |
| 15 | LendingOne LLC | 5 | 10.25% | 18 |
| 16 | RPE Home, Inc | 3 | 11.75% | — |
| 17 | TowneBank | 2 | — | 12 |
| 18 | WELLS FARGO BANK NA | 2 | — | 5 |
| 19 | Carter Bank and Trust | 2 | — | 1 |
| 20 | Conventus Lending LLC | 2 | — | 1 |
| 21 | Direct Lending Partners LLC | 2 | — | — |
| 22 | American Heritage Lending, LLC | 1 | — | 34 |
| 23 | Archwest Funding | 1 | — | 11 |
| 24 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 11 |
| 25 | BPL Mortgage, LLC | 1 | — | 7 |
| 26 | The Park National Bank | 1 | — | 4 |
| 27 | PIEDMONT FEDERAL SAVINGS BANK | 1 | — | 3 |
| 28 | First Bank | 1 | — | 1 |
| 29 | Nationwide Life Insurance Company | 1 | — | — |
DSCR / long-term rental lenders in Mecklenburg 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
29 lenders reported short-term, business-purpose investment loans in Mecklenburg County in 2024 verified lending records — 416 loans totaling $581.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Mecklenburg County's active lenders was 10.75% in 2024, with per-lender medians ranging from 8.75% to 13.13%. 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.