Private & Hard Money Lenders in Orange County, FL
24 lenders funded 276 short-term investment-property loans in Orange County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Orange County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 128 | 11.24% | 15 |
| 2 | 212 Loans, LLC | 29 | 11.99% | — |
| 3 | Easy Street Capital LLC | 26 | 10.90% | — |
| 4 | Loan Funder LLC | 20 | 11.25% | 8 |
| 5 | RF Renovo Management Company, LLC | 16 | 10.25% | 19 |
| 6 | LIMA ONE CAPITAL, LLC | 16 | 10.20% | 17 |
| 7 | Sundae Funding | 9 | 11.00% | — |
| 8 | LendingOne LLC | 6 | 10.24% | 11 |
| 9 | American Heritage Lending, LLC | 4 | 12.00% | 31 |
| 10 | RPE Home, Inc | 3 | 10.00% | — |
| 11 | ABL RPC Residential Credit Acquisition LLC | 2 | — | 1 |
| 12 | Churchill Funding I LLC | 2 | — | 1 |
| 13 | Temple View Capital Funding LP | 2 | — | 1 |
| 14 | Builder Finance Inc | 2 | — | — |
| 15 | WELLS FARGO BANK NA | 2 | — | — |
| 16 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 19 |
| 17 | TD Bank | 1 | — | 12 |
| 18 | Dominion Financial Services, LLC | 1 | — | 1 |
| 19 | VAL-CHRIS INVESTMENTS INC. | 1 | — | 1 |
| 20 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 21 | Equity Wave Lending, Inc. | 1 | — | — |
| 22 | First American Bank | 1 | — | — |
| 23 | HOMEBANK | 1 | — | — |
| 24 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Orange 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
24 lenders reported short-term, business-purpose investment loans in Orange County in 2024 verified lending records — 276 loans totaling $259.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Orange County's active lenders was 11.00% in 2024, with per-lender medians ranging from 10.00% 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.