Private & Hard Money Lenders in Pitt County, NC
12 lenders funded 40 short-term investment-property loans in Pitt County in 2024 at a median rate of 8.75%. Ranked by verified loan volume — not paid placement.
Pitt County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 13 | 10.50% | 6 |
| 2 | Loan Funder LLC | 8 | 11.25% | 3 |
| 3 | Southern Bank and Trust Company | 3 | 7.75% | 30 |
| 4 | First Ciitizens Bank and Trust | 3 | 6.75% | 28 |
| 5 | TowneBank | 3 | 8.75% | 12 |
| 6 | Easy Street Capital LLC | 2 | — | — |
| 7 | Secured Investment Corp | 2 | — | — |
| 8 | VANDERBILT MORTGAGE AND FINANCE, INC | 2 | — | — |
| 9 | UNITED BANK | 1 | — | 31 |
| 10 | First Bank | 1 | — | 4 |
| 11 | Dominion Financial Services, LLC | 1 | — | 3 |
| 12 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
DSCR / long-term rental lenders in Pitt 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
12 lenders reported short-term, business-purpose investment loans in Pitt County in 2024 verified lending records — 40 loans totaling $13.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pitt County's active lenders was 8.75% in 2024, with per-lender medians ranging from 6.75% to 11.25%. 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.