Private & Hard Money Lenders in Morris County, NJ
12 lenders funded 64 short-term investment-property loans in Morris County in 2024 at a median rate of 11.45%. Ranked by verified loan volume — not paid placement.
Morris County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 22 | 11.25% | 53 |
| 2 | KIAVI FUNDING, INC. | 17 | 11.45% | 1 |
| 3 | ABL RPC Residential Credit Acquisition LLC | 11 | 11.88% | 1 |
| 4 | RF Renovo Management Company, LLC | 4 | 11.25% | — |
| 5 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 6 | PLANET MANAGMENT GROUP, LLC | 2 | — | — |
| 7 | Constructive Loans LLC | 1 | — | 11 |
| 8 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 5 |
| 9 | Temple View Capital Funding LP | 1 | — | 1 |
| 10 | Genesis Capital, LLC | 1 | — | — |
| 11 | Lument Structured Finance, LLC | 1 | — | — |
| 12 | WELLS FARGO BANK NA | 1 | — | — |
DSCR / long-term rental lenders in Morris 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
12 lenders reported short-term, business-purpose investment loans in Morris County in 2024 verified lending records — 64 loans totaling $108.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Morris County's active lenders was 11.45% in 2024, with per-lender medians ranging from 11.25% to 11.88%. 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.