Private & Hard Money Lenders in Mercer County, NJ
14 lenders funded 196 short-term investment-property loans in Mercer County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Mercer County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 87 | 11.25% | 114 |
| 2 | KIAVI FUNDING, INC. | 71 | 10.45% | 18 |
| 3 | RF Renovo Management Company, LLC | 17 | 10.25% | 19 |
| 4 | Constructive Loans LLC | 3 | 12.25% | 47 |
| 5 | BPL Mortgage, LLC | 3 | 10.99% | 31 |
| 6 | ABL RPC Residential Credit Acquisition LLC | 3 | 10.50% | 3 |
| 7 | LIMA ONE CAPITAL, LLC | 3 | 11.00% | — |
| 8 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 23 |
| 9 | RPE Home, Inc | 2 | — | — |
| 10 | LendingOne LLC | 1 | — | 6 |
| 11 | Temple View Capital Funding LP | 1 | — | 2 |
| 12 | Bayport Funding LLC | 1 | — | — |
| 13 | Conventus Lending LLC | 1 | — | — |
| 14 | Genesis Capital, LLC | 1 | — | — |
DSCR / long-term rental lenders in Mercer 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
14 lenders reported short-term, business-purpose investment loans in Mercer County in 2024 verified lending records — 196 loans totaling $45.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Mercer County's active lenders was 10.99% in 2024, with per-lender medians ranging from 10.25% 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.