Private & Hard Money Lenders in Essex County, MA
16 lenders funded 93 short-term investment-property loans in Essex County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Essex County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | RF Renovo Management Company, LLC | 27 | 10.25% | 5 |
| 2 | CCG Fund 1 LLC | 14 | — | — |
| 3 | ENTERPRISE BANK AND TRUST COMPANY | 11 | 9.25% | 29 |
| 4 | KIAVI FUNDING, INC. | 10 | 11.49% | 3 |
| 5 | SALEM FIVE CENTS SAVINGS BANK | 8 | 8.50% | 23 |
| 6 | Loan Funder LLC | 6 | 11.25% | 2 |
| 7 | DEDHAM INSTITUTION FOR SAVINGS | 4 | 9.50% | — |
| 8 | Cambridge Savings Bank | 2 | — | — |
| 9 | Easy Street Capital LLC | 2 | — | — |
| 10 | NORTHERN BANK & TRUST COMPANY | 2 | — | — |
| 11 | RPE Home, Inc | 2 | — | — |
| 12 | ALIGN CREDIT UNION | 1 | — | 3 |
| 13 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 14 | BANK OF CANTON | 1 | — | — |
| 15 | COASTAL1 CREDIT UNION | 1 | — | — |
| 16 | Conventus Lending LLC | 1 | — | — |
DSCR / long-term rental lenders in Essex 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 Essex County in 2024 verified lending records — 93 loans totaling $73.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Essex County's active lenders was 10.25% in 2024, with per-lender medians ranging from 8.50% to 11.49%. 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.