Private & Hard Money Lenders in Union County, NJ
15 lenders funded 138 short-term investment-property loans in Union County in 2024 at a median rate of 11.50%. Ranked by verified loan volume — not paid placement.
Union County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 62 | 10.75% | 32 |
| 2 | KIAVI FUNDING, INC. | 31 | 10.95% | 3 |
| 3 | ABL RPC Residential Credit Acquisition LLC | 10 | 11.88% | 8 |
| 4 | Temple View Capital Funding LP | 10 | 11.50% | 2 |
| 5 | Genesis Capital, LLC | 6 | 9.51% | — |
| 6 | BPL Mortgage, LLC | 3 | 10.49% | 18 |
| 7 | Ice Lender Holdings LLC | 3 | 12.00% | 13 |
| 8 | RF Renovo Management Company, LLC | 3 | 11.75% | 4 |
| 9 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 11 |
| 10 | Provident Bank | 2 | — | 2 |
| 11 | Bayport Funding LLC | 2 | — | — |
| 12 | Manasquan Bank | 1 | — | 10 |
| 13 | LendingOne LLC | 1 | — | 2 |
| 14 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 15 | PLANET MANAGMENT GROUP, LLC | 1 | — | — |
DSCR / long-term rental lenders in Union 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
15 lenders reported short-term, business-purpose investment loans in Union County in 2024 verified lending records — 138 loans totaling $100.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Union County's active lenders was 11.50% in 2024, with per-lender medians ranging from 9.51% 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.