Private & Hard Money Lenders in Montgomery County, MD
16 lenders funded 56 short-term investment-property loans in Montgomery County in 2024 at a median rate of 10.50%. Ranked by verified loan volume — not paid placement.
Montgomery County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 13 | 11.75% | 1 |
| 2 | Temple View Capital Funding LP | 8 | 10.50% | — |
| 3 | UNITED BANK | 7 | 8.50% | 4 |
| 4 | RF Renovo Management Company, LLC | 6 | 10.25% | — |
| 5 | Merchants Mortgage & Trust Corporation | 4 | 10.50% | 1 |
| 6 | EagleBank | 3 | 7.50% | — |
| 7 | LendingOne LLC | 2 | — | 5 |
| 8 | Loan Funder LLC | 2 | — | 1 |
| 9 | Sandy Spring Bank | 2 | — | 1 |
| 10 | Genesis Capital, LLC | 2 | — | — |
| 11 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 12 | American Heritage Lending, LLC | 1 | — | 3 |
| 13 | Dominion Financial Services, LLC | 1 | — | — |
| 14 | Easy Street Capital LLC | 1 | — | — |
| 15 | Nymeo Federal Credit Union | 1 | — | — |
| 16 | Old Dominion National Bank | 1 | — | — |
DSCR / long-term rental lenders in Montgomery 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 Montgomery County in 2024 verified lending records — 56 loans totaling $49.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Montgomery County's active lenders was 10.50% in 2024, with per-lender medians ranging from 7.50% 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.