Private & Hard Money Lenders in Howard County, IN
7 lenders funded 26 short-term investment-property loans in Howard County in 2024 at a median rate of 11.49%. Ranked by verified loan volume — not paid placement.
Howard County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Community First Bank of IND | 9 | 9.50% | 22 |
| 2 | KIAVI FUNDING, INC. | 7 | 11.49% | — |
| 3 | RPE Home, Inc | 3 | 11.75% | — |
| 4 | First Farmers Bank & Trust | 2 | — | 6 |
| 5 | Loan Funder LLC | 2 | — | 2 |
| 6 | Merchants Bank of Indiana | 2 | — | — |
| 7 | Conventus Lending LLC | 1 | — | — |
DSCR / long-term rental lenders in Howard 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
7 lenders reported short-term, business-purpose investment loans in Howard County in 2024 verified lending records — 26 loans totaling $15.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Howard County's active lenders was 11.49% in 2024, with per-lender medians ranging from 9.50% to 11.75%. 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.