Private & Hard Money Lenders in Montgomery County, OH
21 lenders funded 140 short-term investment-property loans in Montgomery County in 2024 at a median rate of 11.49%. Ranked by verified loan volume — not paid placement.
Montgomery County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 89 | 11.49% | 27 |
| 2 | LendingOne LLC | 11 | 9.99% | 13 |
| 3 | Loan Funder LLC | 9 | 11.75% | 20 |
| 4 | MM Lending, LLC | 4 | 12.00% | — |
| 5 | Dominion Financial Services, LLC | 3 | 11.00% | 24 |
| 6 | LIMA ONE CAPITAL, LLC | 3 | 11.85% | 13 |
| 7 | Civista Bank | 3 | 8.00% | 1 |
| 8 | Conventus Lending LLC | 3 | 10.99% | — |
| 9 | Easy Street Capital LLC | 2 | — | — |
| 10 | Genesis Capital, LLC | 2 | — | — |
| 11 | First Financial Bank | 1 | — | 14 |
| 12 | The Park National Bank | 1 | — | 14 |
| 13 | American Heritage Lending, LLC | 1 | — | 9 |
| 14 | THE CITIZENS NATIONAL BANK | 1 | — | 3 |
| 15 | RF Renovo Management Company, LLC | 1 | — | 2 |
| 16 | Temple View Capital Funding LP | 1 | — | 1 |
| 17 | Churchill Funding I LLC | 1 | — | — |
| 18 | Hilton Financial Corporation | 1 | — | — |
| 19 | Lument Structured Finance, LLC | 1 | — | — |
| 20 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 21 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Montgomery 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
21 lenders reported short-term, business-purpose investment loans in Montgomery County in 2024 verified lending records — 140 loans totaling $54.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Montgomery County's active lenders was 11.49% in 2024, with per-lender medians ranging from 8.00% 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.