Private & Hard Money Lenders in Denver County, CO
31 lenders funded 285 short-term investment-property loans in Denver County in 2024 at a median rate of 10.23%. Ranked by verified loan volume — not paid placement.
Denver County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Merchants Mortgage & Trust Corporation | 69 | 10.25% | — |
| 2 | RF Renovo Management Company, LLC | 43 | 10.25% | 1 |
| 3 | KIAVI FUNDING, INC. | 32 | 10.95% | 2 |
| 4 | FirstBank | 27 | 9.50% | 86 |
| 5 | COMMERCE BANK | 22 | 8.50% | — |
| 6 | MidFirst Bank | 17 | 9.00% | 5 |
| 7 | AMERICAN BANK OF FREEDOM | 8 | 9.00% | — |
| 8 | BANK OF COLORADO | 7 | 7.75% | 3 |
| 9 | Conventus Lending LLC | 7 | 9.99% | — |
| 10 | Churchill Funding I LLC | 5 | 10.75% | — |
| 11 | Easy Street Capital LLC | 5 | 10.90% | — |
| 12 | Genesis Capital, LLC | 5 | 10.23% | — |
| 13 | LendingOne LLC | 4 | 10.74% | 8 |
| 14 | LIMA ONE CAPITAL, LLC | 4 | 9.10% | — |
| 15 | Loan Funder LLC | 4 | 10.50% | — |
| 16 | RPE Home, Inc | 4 | 12.00% | — |
| 17 | ALPINE BANK | 3 | 9.55% | 2 |
| 18 | MIDWESTONE BANK | 2 | — | 4 |
| 19 | THE CENTRAL TRUST BANK | 2 | — | 3 |
| 20 | Encore Bank | 2 | — | 1 |
| 21 | AIR ACADEMY FEDERAL CREDIT UNION | 2 | — | — |
| 22 | Merchants Bank of Indiana | 2 | — | — |
| 23 | JPMorgan Chase Bank, NA | 1 | — | 39 |
| 24 | Blue Federal Credit Union | 1 | — | 2 |
| 25 | PGIM Real Estate Finance, LLC | 1 | — | 2 |
| 26 | 212 Loans, LLC | 1 | — | — |
| 27 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 28 | Community National Bank & Trust | 1 | — | — |
| 29 | FIRST WESTERN TRUST BANK | 1 | — | — |
| 30 | INDEPENDENT BANK | 1 | — | — |
| 31 | Sundae Funding | 1 | — | — |
DSCR / long-term rental lenders in Denver 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
31 lenders reported short-term, business-purpose investment loans in Denver County in 2024 verified lending records — 285 loans totaling $345.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Denver County's active lenders was 10.23% in 2024, with per-lender medians ranging from 7.75% to 12.00%. 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.