Private & Hard Money Lenders in Kootenai County, ID
6 lenders funded 9 short-term investment-property loans in Kootenai County in 2024 at a median rate of 11.99%. Ranked by verified loan volume — not paid placement.
Kootenai County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Secured Investment Corp | 4 | 11.99% | — |
| 2 | Washington Trust Bank | 1 | — | 5 |
| 3 | GESA CREDIT UNION | 1 | — | 4 |
| 4 | LIMA ONE CAPITAL, LLC | 1 | — | 1 |
| 5 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 6 | Zions Bancorporation, N.A. | 1 | — | — |
DSCR / long-term rental lenders in Kootenai 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
6 lenders reported short-term, business-purpose investment loans in Kootenai County in 2024 verified lending records — 9 loans totaling $5.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Kootenai County's active lenders was 11.99% in 2024. 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.