Private & Hard Money Lenders in Pinal County, AZ
15 lenders funded 51 short-term investment-property loans in Pinal County in 2024 at a median rate of 11.75%. Ranked by verified loan volume — not paid placement.
Pinal County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 12 | 11.75% | 6 |
| 2 | Hilton Financial Corporation | 12 | 12.00% | — |
| 3 | SWH Funding LLC | 9 | 14.00% | — |
| 4 | 212 Loans, LLC | 5 | 10.99% | — |
| 5 | Merchants Mortgage & Trust Corporation | 3 | 10.50% | — |
| 6 | FirstBank | 1 | — | 3 |
| 7 | LendingOne LLC | 1 | — | 2 |
| 8 | RF Renovo Management Company, LLC | 1 | — | 2 |
| 9 | Dominion Financial Services, LLC | 1 | — | 1 |
| 10 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 11 | Citibank, NA | 1 | — | — |
| 12 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 13 | MidFirst Bank | 1 | — | — |
| 14 | Old National Bank | 1 | — | — |
| 15 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Pinal 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
15 lenders reported short-term, business-purpose investment loans in Pinal County in 2024 verified lending records — 51 loans totaling $143.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pinal County's active lenders was 11.75% in 2024, with per-lender medians ranging from 10.50% to 14.00%. 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.