Private & Hard Money Lenders in Charleston County, SC
22 lenders funded 61 short-term investment-property loans in Charleston County in 2024 at a median rate of 10.70%. Ranked by verified loan volume — not paid placement.
Charleston County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 17 | 10.70% | 14 |
| 2 | Loan Funder LLC | 8 | 10.99% | 2 |
| 3 | RPE Home, Inc | 5 | 11.75% | — |
| 4 | SERVISFIRST BANK | 4 | 8.50% | 4 |
| 5 | REV FEDERAL CREDIT UNION | 4 | 7.25% | 2 |
| 6 | SouthState Bank, N.A. | 3 | 7.59% | 23 |
| 7 | LIMA ONE CAPITAL, LLC | 3 | 11.00% | — |
| 8 | First Reliance Bank | 2 | — | 5 |
| 9 | ABL RPC Residential Credit Acquisition LLC | 2 | — | 1 |
| 10 | Dominion Financial Services, LLC | 1 | — | 4 |
| 11 | RENASANT BANK | 1 | — | 4 |
| 12 | First Palmetto Bank | 1 | — | 2 |
| 13 | UNITED BANK | 1 | — | 2 |
| 14 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 1 | — | 1 |
| 15 | Temple View Capital Funding LP | 1 | — | 1 |
| 16 | TowneBank | 1 | — | 1 |
| 17 | UNITED COMMUNITY BANK | 1 | — | 1 |
| 18 | Assurance Financial Group, L.L.C. | 1 | — | — |
| 19 | GULF COAST BANK AND TRUST | 1 | — | — |
| 20 | Investmark Mortgage LLC | 1 | — | — |
| 21 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 22 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Charleston 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
22 lenders reported short-term, business-purpose investment loans in Charleston County in 2024 verified lending records — 61 loans totaling $41.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Charleston County's active lenders was 10.70% in 2024, with per-lender medians ranging from 7.25% to 11.75%. 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.