Private & Hard Money Lenders in Ocean County, NJ
21 lenders funded 174 short-term investment-property loans in Ocean County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Ocean County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 83 | 11.25% | 36 |
| 2 | KIAVI FUNDING, INC. | 39 | 11.25% | 5 |
| 3 | Ice Lender Holdings LLC | 12 | 10.50% | 17 |
| 4 | Manasquan Bank | 8 | 8.75% | 16 |
| 5 | Genesis Capital, LLC | 5 | 9.51% | — |
| 6 | ABL RPC Residential Credit Acquisition LLC | 4 | 15.88% | 1 |
| 7 | RF Renovo Management Company, LLC | 4 | 10.25% | 1 |
| 8 | Constructive Loans LLC | 3 | 10.99% | 23 |
| 9 | Easy Street Capital LLC | 3 | 10.90% | — |
| 10 | Temple View Capital Funding LP | 2 | — | 1 |
| 11 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 13 |
| 12 | BPL Mortgage, LLC | 1 | — | 12 |
| 13 | Provident Bank | 1 | — | 9 |
| 14 | LendingOne LLC | 1 | — | 6 |
| 15 | Dominion Financial Services, LLC | 1 | — | 4 |
| 16 | American Heritage Lending, LLC | 1 | — | 2 |
| 17 | Conventus Lending LLC | 1 | — | 2 |
| 18 | Churchill Funding I LLC | 1 | — | 1 |
| 19 | Jovia Financial Federal Credit | 1 | — | — |
| 20 | PLANET MANAGMENT GROUP, LLC | 1 | — | — |
| 21 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Ocean 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
21 lenders reported short-term, business-purpose investment loans in Ocean County in 2024 verified lending records — 174 loans totaling $97.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Ocean County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.75% to 15.88%. 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.