Private & Hard Money Lenders in Wake County, NC
34 lenders funded 135 short-term investment-property loans in Wake County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Wake County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 42 | 11.45% | 11 |
| 2 | RF Renovo Management Company, LLC | 17 | 10.25% | 8 |
| 3 | LendingOne LLC | 10 | 10.49% | 10 |
| 4 | Loan Funder LLC | 8 | 11.50% | 5 |
| 5 | LIMA ONE CAPITAL, LLC | 6 | 9.55% | 2 |
| 6 | Genesis Capital, LLC | 6 | 9.50% | — |
| 7 | TowneBank | 4 | 9.00% | 10 |
| 8 | Ice Lender Holdings LLC | 3 | 12.00% | 6 |
| 9 | Conventus Lending LLC | 3 | 9.99% | 3 |
| 10 | Carter Bank and Trust | 3 | 7.75% | 1 |
| 11 | UNITED BANK | 3 | 7.40% | 1 |
| 12 | Easy Street Capital LLC | 3 | 10.90% | — |
| 13 | NORTH STATE BANK | 2 | — | 15 |
| 14 | COASTAL FEDERAL CREDIT UNION | 2 | — | 4 |
| 15 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 4 |
| 16 | First Bank | 2 | — | 3 |
| 17 | HOMETRUST BANK | 2 | — | 2 |
| 18 | Citibank, NA | 1 | — | 10 |
| 19 | First Ciitizens Bank and Trust | 1 | — | 8 |
| 20 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 7 |
| 21 | BENCHMARK COMMUNITY BANK | 1 | — | 5 |
| 22 | BPL Mortgage, LLC | 1 | — | 5 |
| 23 | THE FIDELITY BANK | 1 | — | 5 |
| 24 | Peoples Bank | 1 | — | 4 |
| 25 | Bellwether Enterprise Real Estate Capital, LLC | 1 | — | 3 |
| 26 | Southern Bank and Trust Company | 1 | — | 3 |
| 27 | UNITED COMMUNITY BANK | 1 | — | 2 |
| 28 | Atlantic Union Bank | 1 | — | 1 |
| 29 | FIRST HORIZON BANK | 1 | — | — |
| 30 | Merchants Bank of Indiana | 1 | — | — |
| 31 | Nationwide Life Insurance Company | 1 | — | — |
| 32 | RPE Home, Inc | 1 | — | — |
| 33 | SOUTHERN FIRST BANK | 1 | — | — |
| 34 | Sundae Funding | 1 | — | — |
DSCR / long-term rental lenders in Wake 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
34 lenders reported short-term, business-purpose investment loans in Wake County in 2024 verified lending records — 135 loans totaling $197.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Wake County's active lenders was 10.25% in 2024, with per-lender medians ranging from 7.40% 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.