How many hard money lenders are active in King County?

34 lenders reported short-term, business-purpose investment loans in King County in 2024 verified lending records — 584 loans totaling $969.4M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in King County?

The median note rate across King County's active lenders was 10.50% in 2024, with per-lender medians ranging from 8.50% to 12.50%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in King County, WA

34 lenders funded 584 short-term investment-property loans in King County in 2024 at a median rate of 10.50%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

584$969.4M

Median note rate

10.50%8.5–12.5%

DSCR / rental loans

1,684

King County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	EASTSIDE FUNDING LLC	175	12.50%	—
2	Genesis Capital, LLC	118	10.77%	—
3	Conventus Lending LLC	81	10.50%	8
4	Merchants Mortgage & Trust Corporation	57	10.50%	—
5	KIAVI FUNDING, INC.	46	11.49%	1
6	Washington Trust Bank	13	8.50%	7
7	RF Renovo Management Company, LLC	13	10.25%	—
8	LIMA ONE CAPITAL, LLC	10	10.60%	3
9	Arixa Enhanced Income Fund, LP	10	10.75%	—
10	1st Security Bank of Washington	9	9.75%	33
11	Loan Funder LLC	7	11.00%	7
12	Temple View Capital Funding LP	7	10.50%	—
13	HERITAGE BANK	4	8.50%	6
14	Colorado Federal Savings Bank	4	9.00%	—
15	Churchill Funding I LLC	3	9.88%	—
16	US BANK, N.A.	2	—	49
17	VELOCITY COMMERCIAL CAPITAL LLC	2	—	23
18	PGIM Real Estate Finance, LLC	2	—	4
19	Sound Community Bank	2	—	3
20	COASTAL COMMUNITY BANK	2	—	2
21	Easy Street Capital LLC	2	—	—
22	Metropolitan Life Insurance Co	2	—	—
23	Sundae Funding	2	—	—
24	EAST WEST BANK	1	—	69
25	First Ciitizens Bank and Trust	1	—	7
26	UMPQUA BANK	1	—	6
27	Zions Bancorporation, N.A.	1	—	3
28	Arixa Secured Income Fund, LLC	1	—	—
29	CITY NATIONAL BANK	1	—	—
30	Direct Lending Partners LLC	1	—	—
31	FIRST SOUTHERN NATIONAL BANK	1	—	—
32	The Lincoln National Life Insurance Company	1	—	—
33	VAL-CHRIS INVESTMENTS INC.	1	—	—
34	WELLS FARGO BANK NA	1	—	—

DSCR / long-term rental lenders in King 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.

Boeing Employees' Credit Union · 165JPMorgan Chase Bank, NA · 101United Wholesale Mortgage · 99PENNYMAC LOAN SERVICES LLC · 74CROSSCOUNTRY MORTGAGE, LLC · 53Kind Lending, LLC · 38FAIRWAY INDEPENDENT MORT CORP · 34GUILD MORTGAGE COMPANY · 33HomeXpress Mortgage Corp. · 33CORNERSTONE CAPITAL BANK, SSB · 31KEYBANK NATIONAL ASSOCIATION · 26LOANDEPOT.COM, LLC · 25ORIGINPOINT, LLC · 25SOUND CREDIT UNION · 25Bank of America NA · 24Citadel Servicing Corporation · 24CMG MORTGAGE INC · 24Deephaven Mortgage LLC · 22Banner Bank · 20NEWREZ LLC · 18

Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in King Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

Researching deals in King County? King Countyparcel & owner data · all Washington lenders