Private & Hard Money Lenders in Washington County, MD
7 lenders funded 18 short-term investment-property loans in Washington County in 2024 at a median rate of 11.99%. Ranked by verified loan volume — not paid placement.
Washington County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | UNITED BANK | 8 | 9.50% | 16 |
| 2 | KIAVI FUNDING, INC. | 4 | 11.99% | 6 |
| 3 | LendingOne LLC | 2 | — | 3 |
| 4 | Loan Funder LLC | 1 | — | 3 |
| 5 | HORIZON FARM CREDIT, ACA | 1 | — | 2 |
| 6 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 7 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Washington 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
7 lenders reported short-term, business-purpose investment loans in Washington County in 2024 verified lending records — 18 loans totaling $5.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Washington County's active lenders was 11.99% in 2024, with per-lender medians ranging from 9.50% to 11.99%. 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.