Private & Hard Money Lenders in Onslow County, NC
10 lenders funded 63 short-term investment-property loans in Onslow County in 2024 at a median rate of 11.10%. Ranked by verified loan volume — not paid placement.
Onslow County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 33 | 10.49% | 4 |
| 2 | First Ciitizens Bank and Trust | 6 | 6.75% | 4 |
| 3 | First Bank | 5 | 9.50% | 6 |
| 4 | Loan Funder LLC | 5 | 11.75% | — |
| 5 | Dominion Financial Services, LLC | 4 | 12.00% | 3 |
| 6 | LIMA ONE CAPITAL, LLC | 4 | 11.10% | 1 |
| 7 | Marine Federal Credit Union | 2 | — | 11 |
| 8 | LendingOne LLC | 2 | — | — |
| 9 | RPE Home, Inc | 1 | — | — |
| 10 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Onslow 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
10 lenders reported short-term, business-purpose investment loans in Onslow County in 2024 verified lending records — 63 loans totaling $13.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Onslow County's active lenders was 11.10% in 2024, with per-lender medians ranging from 6.75% 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.