Private & Hard Money Lenders in Ada County, ID
9 lenders funded 47 short-term investment-property loans in Ada County in 2024 at a median rate of 9.50%. Ranked by verified loan volume — not paid placement.
Ada County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Archwest Funding | 24 | 9.50% | — |
| 2 | LIMA ONE CAPITAL, LLC | 6 | 10.45% | — |
| 3 | Glacier Bank | 4 | 6.93% | 11 |
| 4 | Washington Trust Bank | 3 | 8.50% | 4 |
| 5 | VELOCITY COMMERCIAL CAPITAL LLC | 3 | 10.99% | 3 |
| 6 | FIRST FEDERAL SAVINGS BANK | 2 | — | 3 |
| 7 | Churchill Funding I LLC | 2 | — | — |
| 8 | Loan Funder LLC | 2 | — | — |
| 9 | D. L. EVANS BANK | 1 | — | 13 |
DSCR / long-term rental lenders in Ada 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
9 lenders reported short-term, business-purpose investment loans in Ada County in 2024 verified lending records — 47 loans totaling $27.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Ada County's active lenders was 9.50% in 2024, with per-lender medians ranging from 6.93% to 10.99%. 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.