How many hard money lenders are active in Hamilton County?

33 lenders reported short-term, business-purpose investment loans in Hamilton County in 2024 verified lending records — 281 loans totaling $379.1M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in Hamilton County?

The median note rate across Hamilton County's active lenders was 10.75% in 2024, with per-lender medians ranging from 7.05% to 12.00%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in Hamilton County, OH

33 lenders funded 281 short-term investment-property loans in Hamilton County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

281$379.1M

Median note rate

10.75%7.0–12.0%

DSCR / rental loans

1,200

Hamilton County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	108	11.20%	59
2	MM Lending, LLC	82	12.00%	—
3	Loan Funder LLC	10	10.75%	26
4	LIMA ONE CAPITAL, LLC	9	11.30%	8
5	Dominion Financial Services, LLC	8	9.50%	87
6	Sundae Funding	6	10.25%	—
7	Cinfed Federal Credit Union	5	7.05%	20
8	Easy Street Capital LLC	5	10.90%	—
9	LendingOne LLC	4	10.24%	25
10	RPE Home, Inc	4	12.00%	—
11	The Park National Bank	3	8.50%	26
12	Archwest Funding	3	10.99%	10
13	Hilton Financial Corporation	3	12.00%	—
14	Merchants Mortgage & Trust Corporation	3	10.00%	—
15	RF Renovo Management Company, LLC	3	10.25%	—
16	US BANK, N.A.	2	—	21
17	Temple View Capital Funding LP	2	—	3
18	STOCK YARDS BANK & TRUST COMPANY	2	—	2
19	Central Bank & Trust Co	2	—	1
20	Churchill Funding I LLC	2	—	—
21	Secured Investment Corp	2	—	—
22	SOUTH CENTRAL BANK INC	2	—	—
23	VELOCITY COMMERCIAL CAPITAL LLC	1	—	24
24	GENERAL ELECTRIC CREDIT UNION	1	—	19
25	American Heritage Lending, LLC	1	—	18
26	First Financial Bank	1	—	15
27	JPMorgan Chase Bank, NA	1	—	11
28	First State Bank	1	—	8
29	PNC BANK N.A.	1	—	8
30	SUPERIOR CREDIT UNION, INC.	1	—	2
31	Fifth Third Bank, National Association	1	—	1
32	FIRST SOUTHERN NATIONAL BANK	1	—	—
33	Genesis Capital, LLC	1	—	—

DSCR / long-term rental lenders in Hamilton 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.

United Wholesale Mortgage · 102Union Savings Bank · 87GUARANTEED RATE, INC. · 64BPL Mortgage, LLC · 41Guardian Savings Bank · 32Deephaven Mortgage LLC · 26CROSSCOUNTRY MORTGAGE, LLC · 25AmWest Funding Corp · 21LCNB NATIONAL BANK · 21GUARANTEED RATE AFFINITY, LLC · 19NEWREZ LLC · 18FIRST COMMUNITY MORTGAGE · 15Forcht Bank, N.A. · 13HomeXpress Mortgage Corp. · 12Citadel Servicing Corporation · 11City National Bank of WV · 11OCMBC, INC. · 11A&D MORTGAGE LLC · 10AMERITRUST MORTGAGE CORPORATION · 10FAIRWAY INDEPENDENT MORT CORP · 9

Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in Hamilton Countywithout appearing here. Rankings are never paid placement.

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