Private & Hard Money Lenders in Westchester County, NY
16 lenders funded 100 short-term investment-property loans in Westchester County in 2024 at a median rate of 11.50%. Ranked by verified loan volume — not paid placement.
Westchester County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 63 | 11.25% | 46 |
| 2 | KIAVI FUNDING, INC. | 12 | 10.95% | — |
| 3 | Ice Lender Holdings LLC | 5 | 12.00% | 6 |
| 4 | PLANET MANAGMENT GROUP, LLC | 3 | 11.50% | — |
| 5 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 14 |
| 6 | BPL Mortgage, LLC | 2 | — | 12 |
| 7 | RF Renovo Management Company, LLC | 2 | — | 3 |
| 8 | LendingOne LLC | 2 | — | 1 |
| 9 | FAIRFIELD COUNTY BANK | 2 | — | — |
| 10 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 2 |
| 11 | Bayport Funding LLC | 1 | — | — |
| 12 | Conventus Lending LLC | 1 | — | — |
| 13 | Merchants Bank of Indiana | 1 | — | — |
| 14 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 15 | RPE Home, Inc | 1 | — | — |
| 16 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Westchester 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
16 lenders reported short-term, business-purpose investment loans in Westchester County in 2024 verified lending records — 100 loans totaling $67.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Westchester County's active lenders was 11.50% in 2024, with per-lender medians ranging from 10.95% 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.