Private & Hard Money Lenders in New Hanover County, NC
14 lenders funded 67 short-term investment-property loans in New Hanover County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
New Hanover County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 39 | 10.99% | 5 |
| 2 | First Bank | 6 | 9.50% | 8 |
| 3 | Loan Funder LLC | 4 | 11.00% | 3 |
| 4 | Churchill Funding I LLC | 3 | 11.00% | — |
| 5 | Dominion Financial Services, LLC | 2 | — | 8 |
| 6 | First Ciitizens Bank and Trust | 2 | — | 8 |
| 7 | UNITED BANK | 2 | — | 7 |
| 8 | LIMA ONE CAPITAL, LLC | 2 | — | 1 |
| 9 | Easy Street Capital LLC | 2 | — | — |
| 10 | NORTH STATE BANK | 1 | — | 14 |
| 11 | Southern Bank and Trust Company | 1 | — | 13 |
| 12 | TowneBank | 1 | — | 10 |
| 13 | American Heritage Lending, LLC | 1 | — | 6 |
| 14 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in New Hanover 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
14 lenders reported short-term, business-purpose investment loans in New Hanover County in 2024 verified lending records — 67 loans totaling $32.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across New Hanover County's active lenders was 11.00% in 2024, with per-lender medians ranging from 9.50% to 11.00%. 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.