Private & Hard Money Lenders in Oakland County, MI
16 lenders funded 125 short-term investment-property loans in Oakland County in 2024 at a median rate of 11.30%. Ranked by verified loan volume — not paid placement.
Oakland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 78 | 11.75% | 16 |
| 2 | Loan Funder LLC | 9 | 11.25% | 15 |
| 3 | LIMA ONE CAPITAL, LLC | 7 | 11.30% | 8 |
| 4 | RPE Home, Inc | 6 | 12.25% | — |
| 5 | Merchants Mortgage & Trust Corporation | 5 | 10.25% | — |
| 6 | American Heritage Lending, LLC | 4 | 11.50% | 10 |
| 7 | RF Renovo Management Company, LLC | 3 | 9.75% | — |
| 8 | Temple View Capital Funding LP | 3 | 11.00% | — |
| 9 | Dominion Financial Services, LLC | 2 | — | 7 |
| 10 | FIRST MERCHANTS BANK | 2 | — | 4 |
| 11 | LendingOne LLC | 1 | — | 12 |
| 12 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 9 |
| 13 | ADVIA CREDIT UNION | 1 | — | — |
| 14 | Arbor Realty Trust, Inc. | 1 | — | — |
| 15 | POPULAR BANK | 1 | — | — |
| 16 | StanCorp Mortgage Investors, LLC | 1 | — | — |
DSCR / long-term rental lenders in Oakland 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 Oakland County in 2024 verified lending records — 125 loans totaling $71.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Oakland County's active lenders was 11.30% in 2024, with per-lender medians ranging from 9.75% to 12.25%. 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.