Private & Hard Money Lenders in York County, PA
11 lenders funded 23 short-term investment-property loans in York County in 2024 at a median rate of 10.95%. Ranked by verified loan volume — not paid placement.
York County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 10 | 10.95% | 28 |
| 2 | FIRST CAPITAL FEDERAL CREDIT UNION | 2 | — | 32 |
| 3 | ACNB BANK | 2 | — | 18 |
| 4 | TRADITIONS BANK | 2 | — | 11 |
| 5 | Archwest Funding | 1 | — | 75 |
| 6 | Univest Bank and Trust Co. | 1 | — | 31 |
| 7 | PEOPLESBANK, A CODORUS VALLEY | 1 | — | 10 |
| 8 | Mid Penn Bank | 1 | — | 5 |
| 9 | Dominion Financial Services, LLC | 1 | — | — |
| 10 | Easy Street Capital LLC | 1 | — | — |
| 11 | Loan Funder LLC | 1 | — | — |
DSCR / long-term rental lenders in York 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
11 lenders reported short-term, business-purpose investment loans in York County in 2024 verified lending records — 23 loans totaling $4.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across York County's active lenders was 10.95% in 2024. 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.