Private & Hard Money Lenders in St. Lucie County, FL
13 lenders funded 101 short-term investment-property loans in St. Lucie County in 2024 at a median rate of 10.49%. Ranked by verified loan volume — not paid placement.
St. Lucie County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 60 | 11.50% | 4 |
| 2 | Loan Funder LLC | 11 | 11.25% | 7 |
| 3 | LIMA ONE CAPITAL, LLC | 6 | 9.15% | 1 |
| 4 | RF Renovo Management Company, LLC | 6 | 10.25% | — |
| 5 | LendingOne LLC | 5 | 10.49% | 5 |
| 6 | Easy Street Capital LLC | 2 | — | — |
| 7 | Merchants Mortgage & Trust Corporation | 2 | — | — |
| 8 | RPE Home, Inc | 2 | — | — |
| 9 | Temple View Capital Funding LP | 2 | — | — |
| 10 | VAL-CHRIS INVESTMENTS INC. | 2 | — | — |
| 11 | Churchill Funding I LLC | 1 | — | — |
| 12 | First American Bank | 1 | — | — |
| 13 | Old National Bank | 1 | — | — |
DSCR / long-term rental lenders in St. Lucie 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
13 lenders reported short-term, business-purpose investment loans in St. Lucie County in 2024 verified lending records — 101 loans totaling $72.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across St. Lucie County's active lenders was 10.49% in 2024, with per-lender medians ranging from 9.15% to 11.50%. 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.