Private & Hard Money Lenders in Fairfax County, VA
16 lenders funded 77 short-term investment-property loans in Fairfax County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Fairfax County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 25 | 10.95% | 2 |
| 2 | UNITED BANK | 10 | 8.25% | 1 |
| 3 | LIMA ONE CAPITAL, LLC | 10 | 9.45% | — |
| 4 | Old Dominion National Bank | 8 | 8.75% | — |
| 5 | Genesis Capital, LLC | 5 | 9.00% | — |
| 6 | Sandy Spring Bank | 3 | 9.00% | 2 |
| 7 | EagleBank | 3 | 8.25% | 1 |
| 8 | Loan Funder LLC | 3 | 11.00% | — |
| 9 | LendingOne LLC | 2 | — | 1 |
| 10 | PGIM Real Estate Finance, LLC | 2 | — | — |
| 11 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 4 |
| 12 | Archwest Funding | 1 | — | 1 |
| 13 | Temple View Capital Funding LP | 1 | — | 1 |
| 14 | AMALGAMATED BANK | 1 | — | — |
| 15 | Easy Street Capital LLC | 1 | — | — |
| 16 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Fairfax 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
16 lenders reported short-term, business-purpose investment loans in Fairfax County in 2024 verified lending records — 77 loans totaling $172.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Fairfax County's active lenders was 9.00% in 2024, with per-lender medians ranging from 8.25% to 11.00%. 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.