Private & Hard Money Lenders in Luzerne County, PA
13 lenders funded 69 short-term investment-property loans in Luzerne County in 2024 at a median rate of 11.25%. Ranked by verified loan volume — not paid placement.
Luzerne County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 27 | 11.45% | 30 |
| 2 | Loan Funder LLC | 16 | 11.25% | 34 |
| 3 | Journey Bank | 7 | 8.00% | 20 |
| 4 | RPE Home, Inc | 5 | 12.00% | — |
| 5 | First Keystone Community Bank | 4 | 8.50% | 35 |
| 6 | BPL Mortgage, LLC | 2 | — | 18 |
| 7 | Peoples Security Bank and Trust Company | 2 | — | 11 |
| 8 | LUZERNE BANK | 1 | — | 69 |
| 9 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 13 |
| 10 | LIMA ONE CAPITAL, LLC | 1 | — | 11 |
| 11 | LendingOne LLC | 1 | — | 7 |
| 12 | ESSA Bank & Trust | 1 | — | 1 |
| 13 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Luzerne 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
13 lenders reported short-term, business-purpose investment loans in Luzerne County in 2024 verified lending records — 69 loans totaling $10.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Luzerne County's active lenders was 11.25% 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.