Private & Hard Money Lenders in Gallatin County, MT
6 lenders funded 21 short-term investment-property loans in Gallatin County in 2024 at a median rate of 7.99%. Ranked by verified loan volume — not paid placement.
Gallatin County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Stockman Bank of Montana | 8 | 9.50% | 17 |
| 2 | Glacier Bank | 6 | 7.99% | 34 |
| 3 | Valley Financial Credit Union | 3 | 7.99% | 2 |
| 4 | First Interstate Bank | 2 | — | 4 |
| 5 | CLEARWATER FEDERAL CREDIT UNION | 1 | — | — |
| 6 | Loan Funder LLC | 1 | — | — |
DSCR / long-term rental lenders in Gallatin 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 Gallatin County in 2024 verified lending records — 21 loans totaling $16.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Gallatin County's active lenders was 7.99% in 2024, with per-lender medians ranging from 7.99% to 9.50%. 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.