Private & Hard Money Lenders in Monroe County, NY
14 lenders funded 217 short-term investment-property loans in Monroe County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Monroe County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 176 | 7.88% | 47 |
| 2 | The Canandaigua National Bank and Trust Company | 12 | 7.50% | 42 |
| 3 | Loan Funder LLC | 11 | 10.99% | 5 |
| 4 | KIAVI FUNDING, INC. | 6 | 11.99% | 7 |
| 5 | Conventus Lending LLC | 3 | 11.49% | 1 |
| 6 | The Lyons National Bank | 1 | — | 94 |
| 7 | ESL Federal Credit Union | 1 | — | 30 |
| 8 | LIMA ONE CAPITAL, LLC | 1 | — | 9 |
| 9 | JPMorgan Chase Bank, NA | 1 | — | 5 |
| 10 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 5 |
| 11 | EMPOWER FEDERAL CREDIT UNION | 1 | — | 3 |
| 12 | RPE Home, Inc | 1 | — | — |
| 13 | Secured Investment Corp | 1 | — | — |
| 14 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Monroe 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 Monroe County in 2024 verified lending records — 217 loans totaling $247.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Monroe County's active lenders was 10.99% in 2024, with per-lender medians ranging from 7.50% to 11.99%. 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.