Private & Hard Money Lenders in Onondaga County, NY
9 lenders funded 23 short-term investment-property loans in Onondaga County in 2024 at a median rate of 11.99%. Ranked by verified loan volume — not paid placement.
Onondaga County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 6 | 11.99% | 5 |
| 2 | Loan Funder LLC | 4 | 11.49% | 14 |
| 3 | RPE Home, Inc | 4 | 13.00% | — |
| 4 | LendingOne LLC | 2 | — | 6 |
| 5 | Dominion Financial Services, LLC | 2 | — | 2 |
| 6 | Hometown Funding, INC. D/B/A CNB Mortgage Company | 2 | — | — |
| 7 | Temple View Capital Funding LP | 1 | — | 2 |
| 8 | Merchants Bank of Indiana | 1 | — | — |
| 9 | UNION SAVINGS BANK | 1 | — | — |
DSCR / long-term rental lenders in Onondaga 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
9 lenders reported short-term, business-purpose investment loans in Onondaga County in 2024 verified lending records — 23 loans totaling $28.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Onondaga County's active lenders was 11.99% in 2024, with per-lender medians ranging from 11.49% to 13.00%. 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.