Raymond's trey, set up by Giddy Potts' steal, made it 67-66 with 1:49 left after the Raiders had trailed since 9:53 of the first half. Reggie Upshaw made two free throws to extend the lead to three with 43 seconds remaining. Potts added two more free throws after grabbing a rebound before Keyshawn Woods hit a 3-pointer to bring the 49ers back within 71-69 with 18 seconds left. But Raymond added another free throw, Woods missed a 3-pointer and Upshaw grabbed the final rebound.
Jacquez Rozier scored 13 points and Jacob Ivory tied his career high with 12 to lead Middle Tennessee (12-8, 5-2 Conference USA). Raymond had a career-high six assists.
Torin Dorn led Charlotte (8-11, 2-5) with 16 points. Pierria Henry had a career-high 12 assists.