Private & Hard Money Lenders in Whatcom County, WA
11 lenders funded 23 short-term investment-property loans in Whatcom County in 2024 at a median rate of 12.00%. Ranked by verified loan volume — not paid placement.
Whatcom County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | EASTSIDE FUNDING LLC | 12 | 12.00% | — |
| 2 | KIAVI FUNDING, INC. | 2 | — | — |
| 3 | WHATCOM EDUCATIONAL CREDIT UNI | 1 | — | 39 |
| 4 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | 1 | — | 3 |
| 5 | US BANK, N.A. | 1 | — | 2 |
| 6 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 7 | Conventus Lending LLC | 1 | — | — |
| 8 | Loan Funder LLC | 1 | — | — |
| 9 | RPE Home, Inc | 1 | — | — |
| 10 | Temple View Capital Funding LP | 1 | — | — |
| 11 | WELLS FARGO BANK NA | 1 | — | — |
DSCR / long-term rental lenders in Whatcom 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 Whatcom County in 2024 verified lending records — 23 loans totaling $91.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Whatcom County's active lenders was 12.00% 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.