Private & Hard Money Lenders in Flathead County, MT
6 lenders funded 18 short-term investment-property loans in Flathead County in 2024 at a median rate of 10.70%. Ranked by verified loan volume — not paid placement.
Flathead County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | LIMA ONE CAPITAL, LLC | 10 | 10.70% | — |
| 2 | First Interstate Bank | 3 | 8.50% | 4 |
| 3 | Stockman Bank of Montana | 2 | — | 10 |
| 4 | Glacier Bank | 1 | — | 24 |
| 5 | Armed Forces Bank, N.A. | 1 | — | — |
| 6 | First National Bank | 1 | — | — |
DSCR / long-term rental lenders in Flathead 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
6 lenders reported short-term, business-purpose investment loans in Flathead County in 2024 verified lending records — 18 loans totaling $8.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Flathead County's active lenders was 10.70% in 2024, with per-lender medians ranging from 8.50% to 10.70%. 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.