Private & Hard Money Lenders in Kent County, MI
12 lenders funded 64 short-term investment-property loans in Kent County in 2024 at a median rate of 11.25%. Ranked by verified loan volume — not paid placement.
Kent County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 47 | 11.25% | 19 |
| 2 | Loan Funder LLC | 4 | 12.00% | 14 |
| 3 | Adventure Credit Union | 3 | 7.00% | 6 |
| 4 | LIMA ONE CAPITAL, LLC | 2 | — | 1 |
| 5 | Independent Bank | 1 | — | 8 |
| 6 | ChoiceOne Bank | 1 | — | 6 |
| 7 | HORIZON BANK | 1 | — | 5 |
| 8 | Huntington National Bank | 1 | — | 3 |
| 9 | ARBOR FINANCIAL CREDIT UNION | 1 | — | — |
| 10 | Conventus Lending LLC | 1 | — | — |
| 11 | FIRST MERCHANTS BANK | 1 | — | — |
| 12 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Kent 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
12 lenders reported short-term, business-purpose investment loans in Kent County in 2024 verified lending records — 64 loans totaling $20.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Kent County's active lenders was 11.25% in 2024, with per-lender medians ranging from 7.00% to 12.00%. 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.