Private & Hard Money Lenders in Virginia
60 lenders funded 1,377 short-term investment-property loans ($1.2B) across Virginia in 2024, at a median note rate of 9.50%. Ranked by verified loan volume — not paid placement.
Top 10 hard money lenders in Virginia by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 545 | 10.95% |
| 2 | TowneBank | 132 | 8.50% |
| 3 | Strategic Funding, LP | 105 | 13.50% |
| 4 | LIMA ONE CAPITAL, LLC | 103 | 10.45% |
| 5 | Loan Funder LLC | 68 | 11.25% |
| 6 | UNITED BANK | 46 | 8.75% |
| 7 | Easy Street Capital LLC | 44 | 10.90% |
| 8 | LendingOne LLC | 37 | 10.24% |
| 9 | THE FIRST BANK & TRUST COMPANY | 34 | 8.50% |
| 10 | Genesis Capital, LLC | 20 | 9.99% |
Virginia hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Limited 2024 activity (1–2 reporting lenders): Fredericksburg city, Orange County, Culpeper County, Goochland County, Montgomery County, Russell County, Bristol city, Halifax County, Manassas Park city, Mecklenburg County, Northampton County, Alleghany County, Botetourt County, Carroll County, Colonial Heights city, Emporia city, Harrisonburg city, King William County, Nelson County, Nottoway County, Page County, Prince Edward County, Rockbridge County, Surry County, Sussex County, Tazewell County, Westmoreland County, Wythe County, Accomack County, Bath County, Buena Vista city, Clarke County, Cumberland County, Dickenson County, Fairfax city, Falls Church city, Floyd County, Franklin County, Greene County, King George County, Lee County, Lexington city, Patrick County, Poquoson city, Radford city, Scott County, Smyth County, Williamsburg city. These counties are typically served by the statewide lenders above.