Private & Hard Money Lenders in St. Joseph County, IN
10 lenders funded 68 short-term investment-property loans in St. Joseph County in 2024 at a median rate of 11.45%. Ranked by verified loan volume — not paid placement.
St. Joseph County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 49 | 11.45% | 6 |
| 2 | Dominion Financial Services, LLC | 4 | 11.00% | 4 |
| 3 | 1ST SOURCE BANK | 3 | 10.50% | 7 |
| 4 | Loan Funder LLC | 3 | 11.99% | 7 |
| 5 | RPE Home, Inc | 3 | 13.00% | — |
| 6 | LAKE CITY BANK | 2 | — | 8 |
| 7 | Interra Credit Union | 1 | — | 17 |
| 8 | FIRST FEDERAL SAVINGS BANK | 1 | — | 16 |
| 9 | CENTIER BANK | 1 | — | 4 |
| 10 | Easy Street Capital LLC | 1 | — | — |
DSCR / long-term rental lenders in St. Joseph 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
10 lenders reported short-term, business-purpose investment loans in St. Joseph County in 2024 verified lending records — 68 loans totaling $15.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across St. Joseph County's active lenders was 11.45% in 2024, with per-lender medians ranging from 10.50% to 13.00%. 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.