Private & Hard Money Lenders in St. Joseph County, MI
4 lenders funded 5 short-term investment-property loans in St. Joseph County in 2024. Ranked by verified loan volume — not paid placement.
St. Joseph County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 2 | — | — |
| 2 | HORIZON BANK | 1 | — | 1 |
| 3 | Interra Credit Union | 1 | — | 1 |
| 4 | FIRST MERCHANTS BANK | 1 | — | — |
DSCR / long-term rental lenders in St. Joseph 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
4 lenders reported short-term, business-purpose investment loans in St. Joseph County in 2024 verified lending records — 5 loans totaling $2.2M. Smaller local lenders below public reporting thresholds may also operate here.
Not enough loans in 2024 filings carried a disclosed rate to publish a reliable figure for St. Joseph County.
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.