Private & Hard Money Lenders in Kalamazoo County, MI
10 lenders funded 38 short-term investment-property loans in Kalamazoo County in 2024 at a median rate of 13.00%. Ranked by verified loan volume — not paid placement.
Kalamazoo County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 21 | 10.95% | 8 |
| 2 | RPE Home, Inc | 6 | 13.00% | — |
| 3 | ARBOR FINANCIAL CREDIT UNION | 2 | — | 8 |
| 4 | RF Renovo Management Company, LLC | 2 | — | 2 |
| 5 | Old National Bank | 2 | — | — |
| 6 | KELLOGG COMMUNITY CREDIT UNION | 1 | — | 8 |
| 7 | HORIZON BANK | 1 | — | 7 |
| 8 | Loan Funder LLC | 1 | — | 2 |
| 9 | LendingOne LLC | 1 | — | 1 |
| 10 | Easy Street Capital LLC | 1 | — | — |
DSCR / long-term rental lenders in Kalamazoo 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
10 lenders reported short-term, business-purpose investment loans in Kalamazoo County in 2024 verified lending records — 38 loans totaling $58.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Kalamazoo County's active lenders was 13.00% in 2024, with per-lender medians ranging from 10.95% to 13.00%. 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.