Private & Hard Money Lenders in Harford County, MD
8 lenders funded 41 short-term investment-property loans in Harford County in 2024 at a median rate of 10.85%. Ranked by verified loan volume — not paid placement.
Harford County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 17 | 10.95% | — |
| 2 | Dominion Financial Services, LLC | 7 | 11.00% | 4 |
| 3 | RF Renovo Management Company, LLC | 6 | 10.25% | 2 |
| 4 | Loan Funder LLC | 5 | 10.75% | 1 |
| 5 | LIMA ONE CAPITAL, LLC | 3 | 10.85% | 1 |
| 6 | BPL Mortgage, LLC | 1 | — | 5 |
| 7 | Churchill Funding I LLC | 1 | — | — |
| 8 | Sandy Spring Bank | 1 | — | — |
DSCR / long-term rental lenders in Harford 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
8 lenders reported short-term, business-purpose investment loans in Harford County in 2024 verified lending records — 41 loans totaling $11.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Harford County's active lenders was 10.85% in 2024, with per-lender medians ranging from 10.25% to 11.00%. 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.