Private & Hard Money Lenders in Oneida County, NY
5 lenders funded 20 short-term investment-property loans in Oneida County in 2024 at a median rate of 12.00%. Ranked by verified loan volume — not paid placement.
Oneida County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 12 | 12.00% | 4 |
| 2 | First Source Federal Credit Un | 3 | 9.50% | 68 |
| 3 | KIAVI FUNDING, INC. | 2 | — | 4 |
| 4 | ABL RPC Residential Credit Acquisition LLC | 2 | — | — |
| 5 | LendingOne LLC | 1 | — | 2 |
DSCR / long-term rental lenders in Oneida 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
5 lenders reported short-term, business-purpose investment loans in Oneida County in 2024 verified lending records — 20 loans totaling $2.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Oneida County's active lenders was 12.00% in 2024, with per-lender medians ranging from 9.50% 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.