Private & Hard Money Lenders in Navajo County, AZ
6 lenders funded 12 short-term investment-property loans in Navajo County in 2024 at a median rate of 13.00%. Ranked by verified loan volume — not paid placement.
Navajo County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Hilton Financial Corporation | 4 | 13.00% | — |
| 2 | KIAVI FUNDING, INC. | 3 | 12.49% | — |
| 3 | LIMA ONE CAPITAL, LLC | 2 | — | 1 |
| 4 | Loan Funder LLC | 1 | — | — |
| 5 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 6 | Stockman Bank of Montana | 1 | — | — |
DSCR / long-term rental lenders in Navajo 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
6 lenders reported short-term, business-purpose investment loans in Navajo County in 2024 verified lending records — 12 loans totaling $4.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Navajo County's active lenders was 13.00% in 2024, with per-lender medians ranging from 12.49% to 13.00%. 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.