Private & Hard Money Lenders in Baltimore city, MD
16 lenders funded 436 short-term investment-property loans in Baltimore city in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Baltimore city hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 166 | 11.49% | 64 |
| 2 | Loan Funder LLC | 126 | 10.99% | 73 |
| 3 | Dominion Financial Services, LLC | 63 | 10.00% | 96 |
| 4 | LIMA ONE CAPITAL, LLC | 22 | 9.72% | 48 |
| 5 | VELOCITY COMMERCIAL CAPITAL LLC | 14 | 10.74% | 38 |
| 6 | Temple View Capital Funding LP | 12 | 11.00% | 14 |
| 7 | RF Renovo Management Company, LLC | 10 | 10.25% | 29 |
| 8 | RPE Home, Inc | 7 | 11.75% | — |
| 9 | LendingOne LLC | 5 | 11.49% | 16 |
| 10 | PEOPLESBANK, A CODORUS VALLEY | 3 | 9.00% | 1 |
| 11 | American Heritage Lending, LLC | 2 | — | 55 |
| 12 | Merchants Mortgage & Trust Corporation | 2 | — | 2 |
| 13 | BPL Mortgage, LLC | 1 | — | 94 |
| 14 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 7 |
| 15 | Sandy Spring Bank | 1 | — | 1 |
| 16 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Baltimore city
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
16 lenders reported short-term, business-purpose investment loans in Baltimore city in 2024 verified lending records — 436 loans totaling $83.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Baltimore city's active lenders was 10.99% in 2024, with per-lender medians ranging from 9.00% 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.