Private & Hard Money Lenders in Baltimore County, MD
16 lenders funded 136 short-term investment-property loans in Baltimore County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Baltimore County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 52 | 10.95% | 14 |
| 2 | Dominion Financial Services, LLC | 32 | 10.00% | 50 |
| 3 | Loan Funder LLC | 14 | 11.99% | 22 |
| 4 | RF Renovo Management Company, LLC | 9 | 10.25% | 6 |
| 5 | LIMA ONE CAPITAL, LLC | 7 | 9.97% | 15 |
| 6 | LendingOne LLC | 3 | 9.99% | 12 |
| 7 | Easy Street Capital LLC | 3 | 10.90% | — |
| 8 | RPE Home, Inc | 3 | 13.00% | — |
| 9 | American Heritage Lending, LLC | 2 | — | 12 |
| 10 | Archwest Funding | 2 | — | 4 |
| 11 | Temple View Capital Funding LP | 2 | — | 4 |
| 12 | Genesis Capital, LLC | 2 | — | — |
| 13 | Sandy Spring Bank | 2 | — | — |
| 14 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 18 |
| 15 | Orrstown Bank | 1 | — | — |
| 16 | TRADITIONS BANK | 1 | — | — |
DSCR / long-term rental lenders in Baltimore 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
16 lenders reported short-term, business-purpose investment loans in Baltimore County in 2024 verified lending records — 136 loans totaling $33.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Baltimore County's active lenders was 10.90% in 2024, with per-lender medians ranging from 9.97% 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.