Private & Hard Money Lenders in Middlesex County, MA
28 lenders funded 247 short-term investment-property loans in Middlesex County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Middlesex County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | RF Renovo Management Company, LLC | 43 | 10.25% | 8 |
| 2 | CCG Fund 1 LLC | 42 | — | — |
| 3 | ENTERPRISE BANK AND TRUST COMPANY | 26 | 9.50% | 47 |
| 4 | DEDHAM INSTITUTION FOR SAVINGS | 22 | 9.00% | 5 |
| 5 | KIAVI FUNDING, INC. | 15 | 11.49% | 3 |
| 6 | Loan Funder LLC | 14 | 11.25% | 2 |
| 7 | ROCKLAND TRUST BANK | 11 | 9.00% | 43 |
| 8 | Cambridge Savings Bank | 9 | 8.50% | 22 |
| 9 | Cambridge Trust Company | 8 | 8.50% | — |
| 10 | Genesis Capital, LLC | 8 | 9.00% | — |
| 11 | Leader Bank NA | 7 | 8.50% | 126 |
| 12 | SALEM FIVE CENTS SAVINGS BANK | 7 | 8.50% | 11 |
| 13 | ABL RPC Residential Credit Acquisition LLC | 6 | 12.88% | 3 |
| 14 | Easy Street Capital LLC | 5 | 10.90% | — |
| 15 | VELOCITY COMMERCIAL CAPITAL LLC | 4 | 11.75% | 7 |
| 16 | BANK OF CANTON | 3 | 8.00% | 3 |
| 17 | WALPOLE CO-OPERATIVE BANK | 3 | 8.38% | 1 |
| 18 | NORTHERN BANK & TRUST COMPANY | 2 | — | 5 |
| 19 | LendingOne LLC | 2 | — | 3 |
| 20 | Bluestone Bank | 2 | — | — |
| 21 | American Heritage Lending, LLC | 1 | — | 14 |
| 22 | Eastern Bank | 1 | — | 14 |
| 23 | The Washington Trust Company, of Westerly | 1 | — | 3 |
| 24 | LIMA ONE CAPITAL, LLC | 1 | — | 1 |
| 25 | WELLS FARGO BANK NA | 1 | — | 1 |
| 26 | Archwest Funding | 1 | — | — |
| 27 | RPE Home, Inc | 1 | — | — |
| 28 | SERVICE FEDERAL CREDIT UNION | 1 | — | — |
DSCR / long-term rental lenders in Middlesex 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
28 lenders reported short-term, business-purpose investment loans in Middlesex County in 2024 verified lending records — 247 loans totaling $548.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Middlesex County's active lenders was 9.00% in 2024, with per-lender medians ranging from 8.00% to 12.88%. 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.