Private & Hard Money Lenders in Kern County, CA
16 lenders funded 165 short-term investment-property loans in Kern County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Kern County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 108 | 10.75% | 2 |
| 2 | Merchants Mortgage & Trust Corporation | 14 | 10.50% | — |
| 3 | VAL-CHRIS INVESTMENTS INC. | 14 | 13.50% | — |
| 4 | Easy Street Capital LLC | 10 | 10.63% | — |
| 5 | Equity Wave Lending, Inc. | 3 | 12.99% | — |
| 6 | LANTZMAN MANAGEMENT INC | 2 | — | 4 |
| 7 | EAST WEST BANK | 2 | — | — |
| 8 | Loan Funder LLC | 2 | — | — |
| 9 | Mackillie Inc | 2 | — | — |
| 10 | RF Renovo Management Company, LLC | 2 | — | — |
| 11 | TRI COUNTIES BANK | 1 | — | 18 |
| 12 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 8 |
| 13 | LIMA ONE CAPITAL, LLC | 1 | — | 1 |
| 14 | Genesis Capital, LLC | 1 | — | — |
| 15 | Mid Valley Services Inc | 1 | — | — |
| 16 | Sundae Funding | 1 | — | — |
DSCR / long-term rental lenders in Kern 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
16 lenders reported short-term, business-purpose investment loans in Kern County in 2024 verified lending records — 165 loans totaling $61.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Kern County's active lenders was 10.75% in 2024, with per-lender medians ranging from 10.50% to 13.50%. 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.