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Lender directory

Private & Hard Money Lenders in Maricopa County, AZ

62 lenders funded 614 short-term investment-property loans in Maricopa 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)
614$1106.5M
Median note rate
10.50%7.8–13.8%
DSCR / rental loans
3,876

Maricopa County hard money lenders by 2024 loan count

#LenderHard money loansMedian rateDSCR loans
1KIAVI FUNDING, INC.12911.95%18
2SWH Funding LLC9112.90%—
3Merchants Mortgage & Trust Corporation7810.50%—
4Hilton Financial Corporation3313.00%—
5212 Loans, LLC2611.99%—
6Genesis Capital, LLC2510.00%—
7VAL-CHRIS INVESTMENTS INC.2413.75%1
8RF Renovo Management Company, LLC2210.50%14
9Arixa Enhanced Income Fund, LP1810.75%—
10Churchill Funding I LLC1610.50%—
11LIMA ONE CAPITAL, LLC149.55%8
12Temple View Capital Funding LP1210.50%2
13FirstBank119.50%47
14Loan Funder LLC1111.25%11
15Archwest Funding1010.25%1
16MidFirst Bank79.00%54
17KS StateBank79.05%39
18RPE Home, Inc711.75%—
19Dominion Financial Services, LLC611.99%3
20WESTERN STATE BANK57.75%10
21American Heritage Lending, LLC310.75%47
22First International Bank & Trust39.25%25
23ALERUS FINANCIAL NA38.20%11
24Conventus Lending LLC39.99%1
25Easy Street Capital LLC310.90%—
26PGIM Real Estate Finance, LLC39.81%—
27LendingOne LLC2—14
28VELOCITY COMMERCIAL CAPITAL LLC2—14
29WELLS FARGO BANK NA2—8
30Citibank, NA2—5
31Starion Bank2—2
32Arixa Secured Income Fund, LLC2——
33Equity Bank2——
34Metropolitan Life Insurance Co2——
35JPMorgan Chase Bank, NA1—83
36US BANK, N.A.1—32
37Arizona Federal Credit Union1—28
38Change Lending, LLC1—16
39PANORAMA MORTGAGE GROUP, LLC1—10
40BPL Mortgage, LLC1—6
41Zions Bancorporation, N.A.1—6
42Glacier Bank1—3
431st Security Bank of Washington1—2
44BANK OF COLORADO1—2
45Bankers Trust Company1—2
46HTLF BANK1—2
47Old National Bank1—2
48DEERWOOD BANK1—1
49FORTRESS BANK1—1
50Armed Forces Bank, N.A.1——
51Bank of Springfield1——
52Capitol Federal Savings Bank1——
53Choice Financial Group1——
54Cornerstone Bank1——
55CORNHUSKER BANK1——
56Dundee Bank1——
57HANCOCK WHITNEY BANK1——
58Mabrey Bank1——
59ReadyCap Commercial LLC1——
60SUNWARD1——
61Valley Financial Credit Union1——
62Washington Trust Bank1——

DSCR / long-term rental lenders in Maricopa 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.

United Wholesale Mortgage · 620Desert Financial Credit Union · 246FAIRWAY INDEPENDENT MORT CORP · 141CROSSCOUNTRY MORTGAGE, LLC · 133OCMBC, INC. · 105PENNYMAC LOAN SERVICES LLC · 99NEXERA HOLDING LLC · 77Deephaven Mortgage LLC · 61GUARANTEED RATE, INC. · 60HomeXpress Mortgage Corp. · 59GUILD MORTGAGE COMPANY · 57Kind Lending, LLC · 56CMG MORTGAGE INC · 55American Pacific Mortgage Corporation · 46VELOCIO MORTGAGE, L.L.C. · 44AmWest Funding Corp · 41Citadel Servicing Corporation · 40NEWREZ LLC · 40Hometown Equity Mortgage, LLC · 38ANGEL OAK MORTGAGE SOLUTIONS LLC · 37
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 Maricopa Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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