Private & Hard Money Lenders in Yavapai County, AZ
14 lenders funded 32 short-term investment-property loans in Yavapai County in 2024 at a median rate of 12.49%. Ranked by verified loan volume — not paid placement.
Yavapai County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Hilton Financial Corporation | 9 | 12.00% | — |
| 2 | KIAVI FUNDING, INC. | 5 | 12.49% | — |
| 3 | SWH Funding LLC | 4 | 12.90% | — |
| 4 | Merchants Mortgage & Trust Corporation | 3 | 10.25% | — |
| 5 | VAL-CHRIS INVESTMENTS INC. | 2 | — | — |
| 6 | BANK OF COLORADO | 1 | — | 8 |
| 7 | Glacier Bank | 1 | — | 8 |
| 8 | Archwest Funding | 1 | — | — |
| 9 | Easy Street Capital LLC | 1 | — | — |
| 10 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 11 | Loan Funder LLC | 1 | — | — |
| 12 | Lument Structured Finance, LLC | 1 | — | — |
| 13 | RF Renovo Management Company, LLC | 1 | — | — |
| 14 | WESTERN STATE BANK | 1 | — | — |
DSCR / long-term rental lenders in Yavapai 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
14 lenders reported short-term, business-purpose investment loans in Yavapai County in 2024 verified lending records — 32 loans totaling $27.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Yavapai County's active lenders was 12.49% in 2024, with per-lender medians ranging from 10.25% to 12.90%. 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.