Hamptons Financial

What Hamptons Financial does

Hamptons Financial is a private, founder-owned real estate finance company founded in 2011 and headquartered at the Hamptons Financial Center in Water Mill, New York. The firm provides private equity-based bridge loans and hard money financing for real estate transactions that traditional banks decline, including acquisitions, discounted note buybacks, transitional properties, construction, partner buyouts, and time-sensitive closings. Loan sizes range from $100,000 to $20MM, with interest rates starting at 7%, loan-to-value up to 75%, terms of 6 months to 7 years, interest-only amortization, and closings as quick as 5 business days. The company also offers conventional mortgage brokerage access to over 50 lenders and has added title insurance, abstract, and closing services through partners active in the Hamptons since 1997.

The business is relationship-driven and team-based, with roughly six visible professionals including founding partner Brendan Byrne (16 years on Wall Street, prior NYSE volume-leading trading firm owner, participated in the $280M E*Trade sale), senior loan officer Kristin Kreuder (attorney trained at Shearman & Sterling and Weil Gotshal), director of West Coast business development T. Jay Feferman, loan officers Bradford Goven and Michael Cinquemani, and associate Jonathan DeMarco. Go-to-market is built on direct broker presentations across major Hamptons/Long Island brokerages (Saunders, Douglas Elliman, Sotheby's, Corcoran, Nest Seekers, Halstead Properties, Brown Harris Stevens), supplemented by referrals and the HardMoney.Exchange online marketplace.

The firm monetizes through origination fees (1–3%) on private loans, interest income on funded loans, referral/origination fees on conventional mortgages placed through its lender network (over $2B in cumulative residential mortgage volume routed), and JV/co-lending economics on pari passu investor participations. The company claims #1 market position in construction loans on Long Island, the East End, and the Hamptons, with cumulative track record of 350+ originations and $500MM+ in closings. There is no disclosed proprietary technology platform, AI/ML capability, or institutional funding; ownership remains with the founder and the capital base is augmented through individual co-lender relationships rather than formal raises.

Name

Hamptons Financial

Legal name

Hamptons Financial

Website

https://hamptonsfinancial.com

Company type

Private

Founded year

2011

Operating status

Operating

Short description

Hamptons Financial is a founder-owned, private real estate finance company founded in 2011 that originates bridge loans, hard money loans, and conventional mortgages in the Hamptons, Long Island, and select U.S. markets for real estate investors, developers, and homeowners underserved by traditional banks.

Ownership category

akta.pro rank

Product category

Private Real Estate Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money / Private Mortgage Brokers (FSALABAH)

akta.pro secondary industries

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Private Credit / Direct Lending (FSAAAHAG), Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE)

Keywords

• Private real estate lending
• Bridge loans
• Hard money lending
• Construction financing
• Alternative mortgage lending

Headquarters

HQ city

Water Mill

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Private Loan Interest: Interest income from bridge loans and structured debt products with rates starting at 7%, loan terms from 6 months to 7 years, interest-only amortization.
2. Loan Origination Fees: One-time origination fees of 1% to 3% charged on private funding loans.
3. Conventional Mortgage Services: Access to over 50 lenders for conventional mortgage financing, earning referral/origination fees on bank rate mortgages. Over $2 billion in residential mortgages funded historically.
4. Title and Abstract Services: Title insurance, abstract services, and closing services provided through partners since 1997.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Hamptons Financial is a private equity-based real estate finance company that funds complex and situational real estate loans through bridge financing, hard money lending, and structured debt products ranging from $100,000 to $20,000,000. The company supplements its private lending with conventional bank rate mortgages sourced through a network of over 50 lenders and offers in-house title insurance and abstract services. Loan terms run 6 months to 7 years with interest rates starting at 7%, up to 75% loan-to-value, interest-only amortization, and closings as quick as 5 business days.

Product overview

Hamptons Financial operates as a private equity-based real estate finance company offering a portfolio of lending products centered on bridge loans and hard money lending. The core offering consists of Private Funding (bridge loans and hard money lending) ranging from $100,000 to $20,000,000, supplemented by Bank Rate Lending for conventional mortgages, Title Services for abstract and title insurance, and Hamptons Home Loans for residential financing. The company also offers Joint Ventures for co-investment opportunities and Capital Consulting for advisory services. All products are delivered through the company's primary service areas of Long Island, the Hamptons, and the greater New York metropolitan area.

Differentiator

Problem solved

Functional benefit

Brands

• HardMoney.Exchange: Online platform for connecting borrowers with private mortgage lenders and hard money loan products.

Products and services

• Private Funding (Bridge Loans and Hard Money Lending) Private equity-based bridge financing for situational real estate financing needs including time-sensitive closings, distressed financing, acquisitions, transitional properties, capital improvements, and partner buyouts. Loan sizes range from $100,000 to $20,000,000 with terms from 6 months to 7 years, interest-only amortization, rates starting at 7%, loan-to-value up to 75%, and closings as quick as 5 business days. Origination fees of 1% to 3% apply.
• Bank Rate Lending (Conventional Mortgages)

Quantifiable outcome

• Closing time as quick as 5 business days for private loans
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Douglas EllimancoreChannel Partner/ Reseller/ DistributorBrendan Byrne, Founding Partner, offers real estate lending and sales services through Douglas Elliman, one of the largest real estate brokerage firms in the Hamptons market.
• 50+ Conventional LenderscoreChannel Partner/ Reseller/ DistributorNetwork of over 50 conventional lenders that compete for mortgage business, enabling Hamptons Financial to offer clients competitive rates and terms through a single application process.
• Title Insurance PartnerscoreStrategic or Co-development PartnerAbstract and title service partners providing title insurance for largest national title underwriters. Partners have been providing abstract and title services to the Hamptons since 1997, offering abstracts, title searches, lien searches, title insurance, and closing services.
• Joint Venture PartnersminorStrategic or Co-development PartnerHamptons Financial invests in real estate via joint venture partnerships with property owners and developers. Principals and partners have forged successful partnerships including multiple acquisitions and construction loans.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CoreVest Finance: CoreVest (now part of Pretium) finances single-family rental investors and bridge lending. Targets the same real estate investor base Hamptons Financial serves, with overlapping products including bridge and long-term rental loans.
• New Silver: New Silver is a tech-enabled hard money lender for fix-and-flip and bridge financing of investor properties. Similar value proposition on speed and flexibility for non-bankable borrowers, with a stronger technology stack than Hamptons Financial.
• Kiavi: Kiavi (formerly LendingHome) is a direct online lender for real estate investors, providing bridge and fix-and-flip loans. Comparable target customer and product economics; represents a more digitized version of the Hamptons Financial model.
• LendingOne: LendingOne is a direct private lender to real estate investors offering bridge and long-term rental financing. Competes directly with Hamptons Financial on speed of close and flexibility for non-conforming deals.
• RCN Capital: RCN Capital is a nationwide private lender providing short-term bridge and rental loans to real estate investors. Same core product suite (bridge/hard money for non-bankable borrowers) and similar reliance on broker/referral channels for origination.
• Lima One Capital: Lima One Capital is a direct hard money lender specializing in fix-and-flip and rental property loans to real estate investors. It mirrors Hamptons Financial's core borrower profile (investors and developers needing fast, asset-based financing that banks decline), though operates at much greater national scale.
• Concorde Funding Group: Concorde Funding is a private equity-backed hard money and bridge lender focused on real estate investors nationally. Closely comparable to Hamptons Financial on product terms, target borrower, and private-credit funding model.

Emerging players

• Patch of Land: Patch of Land is an online marketplace connecting real estate borrowers with private lenders, analogous to Hamptons Financial's HardMoney.Exchange sub-brand. Represents the emerging platform model that may ultimately compete with or complement the company's regional hard money business.

Broad incumbents

• Pretium Partners: Pretium is a large institutional alternative asset manager focused on residential real estate, including hard money lending through Anchor Loans and CoreVest. Represents the scaled, institutionalized version of the same hard-money-lending thesis Hamptons Financial operates at regional level.
• Rocket Mortgage: Rocket Mortgage is the largest U.S. retail mortgage originator, offering conventional and government loans at scale. Overlaps with Hamptons Financial's conventional "Bank Rate Lending" referral business and its bank-rate mortgage brokerage arm, though Rocket dominates the consumer mortgage channel rather than the private hard money niche.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/HamptonsFin
• Facebookfacebook.com/HamptonsFinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hamptons Financial