Private & Hard Money Lenders in Adams County, CO
15 lenders funded 76 short-term investment-property loans in Adams County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Adams County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Merchants Mortgage & Trust Corporation | 20 | 10.50% | — |
| 2 | FirstBank | 11 | 9.50% | 38 |
| 3 | KIAVI FUNDING, INC. | 11 | 10.75% | 1 |
| 4 | RF Renovo Management Company, LLC | 10 | 10.25% | — |
| 5 | Conventus Lending LLC | 6 | 10.00% | — |
| 6 | MidFirst Bank | 5 | 9.00% | — |
| 7 | RPE Home, Inc | 4 | 11.00% | — |
| 8 | 212 Loans, LLC | 2 | — | — |
| 9 | ALPINE BANK | 1 | — | 3 |
| 10 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 11 | COMMERCE BANK | 1 | — | — |
| 12 | FIRST WESTERN TRUST BANK | 1 | — | — |
| 13 | Glacier Bank | 1 | — | — |
| 14 | LendingOne LLC | 1 | — | — |
| 15 | THE CENTRAL TRUST BANK | 1 | — | — |
DSCR / long-term rental lenders in Adams 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 Adams County in 2024 verified lending records — 76 loans totaling $32.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Adams County's active lenders was 10.25% in 2024, with per-lender medians ranging from 9.00% to 11.00%. 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.