Private & Hard Money Lenders in New York
70 lenders funded 2,314 short-term investment-property loans ($4.6B) across New York in 2024, at a median note rate of 11.00%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in New York by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | Loan Funder LLC | 1,104 | 11.25% |
| 2 | KIAVI FUNDING, INC. | 270 | 11.45% |
| 3 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 219 | 7.88% |
| 4 | Ice Lender Holdings LLC | 150 | 12.00% |
| 5 | Bayport Funding LLC | 77 | 11.50% |
| 6 | LendingOne LLC | 56 | 10.49% |
| 7 | ABL RPC Residential Credit Acquisition LLC | 37 | 11.50% |
| 8 | PLANET MANAGMENT GROUP, LLC | 37 | 11.50% |
| 9 | VELOCITY COMMERCIAL CAPITAL LLC | 35 | 12.74% |
| 10 | Emigrant Funding Corporation | 33 | 7.00% |
New York hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Suffolk County
21 lenders · 467 loans
Kings County
25 lenders · 282 loans
Nassau County
16 lenders · 274 loans
Monroe County
14 lenders · 217 loans
Queens County
18 lenders · 152 loans
Bronx County
17 lenders · 145 loans
Orange County
12 lenders · 127 loans
Westchester County
16 lenders · 100 loans
Erie County
14 lenders · 58 loans
Albany County
8 lenders · 46 loans
New York County
20 lenders · 43 loans
Sullivan County
6 lenders · 40 loans
Rockland County
7 lenders · 39 loans
Dutchess County
8 lenders · 34 loans
Ulster County
9 lenders · 32 loans
Rensselaer County
6 lenders · 26 loans
Onondaga County
9 lenders · 23 loans
Schenectady County
7 lenders · 21 loans
Oneida County
5 lenders · 20 loans
Richmond County
4 lenders · 16 loans
Broome County
6 lenders · 15 loans
Saratoga County
7 lenders · 14 loans
Jefferson County
3 lenders · 12 loans
Putnam County
3 lenders · 12 loans
Greene County
3 lenders · 7 loans
Herkimer County
3 lenders · 7 loans
Steuben County
3 lenders · 7 loans
Chautauqua County
4 lenders · 6 loans
Chemung County
3 lenders · 4 loans
Warren County
4 lenders · 4 loans
Madison County
3 lenders · 3 loans
Limited 2024 activity (1–2 reporting lenders): Ontario County, Wayne County, Fulton County, Seneca County, Genesee County, Orleans County, Montgomery County, Niagara County, Delaware County, Livingston County, Otsego County, Tompkins County, Washington County, Yates County, Cayuga County, Chenango County, Columbia County, Hamilton County, Lewis County, Oswego County, Schuyler County, Tioga County. These counties are typically served by the statewide lenders above.