Private & Hard Money Lenders in Passaic County, NJ
14 lenders funded 92 short-term investment-property loans in Passaic County in 2024 at a median rate of 11.70%. Ranked by verified loan volume — not paid placement.
Passaic County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 36 | 11.25% | 19 |
| 2 | KIAVI FUNDING, INC. | 20 | 11.70% | 7 |
| 3 | ABL RPC Residential Credit Acquisition LLC | 10 | 11.88% | 17 |
| 4 | LIMA ONE CAPITAL, LLC | 7 | 10.35% | 3 |
| 5 | RF Renovo Management Company, LLC | 3 | 11.50% | 14 |
| 6 | Bayport Funding LLC | 3 | 11.75% | 2 |
| 7 | Temple View Capital Funding LP | 3 | 12.00% | 2 |
| 8 | TD Bank | 2 | — | 24 |
| 9 | Constructive Loans LLC | 2 | — | 18 |
| 10 | Ice Lender Holdings LLC | 2 | — | 13 |
| 11 | Hometown Equity Mortgage, LLC | 1 | — | 7 |
| 12 | LendingOne LLC | 1 | — | 2 |
| 13 | PLANET MANAGMENT GROUP, LLC | 1 | — | — |
| 14 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Passaic 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 Passaic County in 2024 verified lending records — 92 loans totaling $55.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Passaic County's active lenders was 11.70% in 2024, with per-lender medians ranging from 10.35% to 12.00%. 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.