Private & Hard Money Lenders in El Paso County, CO
24 lenders funded 84 short-term investment-property loans in El Paso County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
El Paso County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FirstBank | 16 | 9.50% | 35 |
| 2 | KIAVI FUNDING, INC. | 14 | 11.95% | — |
| 3 | RF Renovo Management Company, LLC | 9 | 10.00% | 2 |
| 4 | BANK OF COLORADO | 7 | 7.99% | 1 |
| 5 | Loan Funder LLC | 4 | 10.99% | 2 |
| 6 | Encore Bank | 4 | 8.25% | — |
| 7 | Integrity Bank & Trust | 4 | 9.50% | — |
| 8 | Merchants Mortgage & Trust Corporation | 4 | 10.25% | — |
| 9 | LIMA ONE CAPITAL, LLC | 3 | 12.05% | 1 |
| 10 | LendingOne LLC | 3 | 10.49% | — |
| 11 | CrossFirst Bank | 2 | — | 2 |
| 12 | Direct Lending Partners LLC | 2 | — | — |
| 13 | ALPINE BANK | 1 | — | 6 |
| 14 | AIR ACADEMY FEDERAL CREDIT UNION | 1 | — | 5 |
| 15 | UMB BANK NA | 1 | — | 4 |
| 16 | Glacier Bank | 1 | — | 2 |
| 17 | 212 Loans, LLC | 1 | — | — |
| 18 | Archwest Funding | 1 | — | — |
| 19 | Builder Finance Inc | 1 | — | — |
| 20 | FIRST MERCHANTS BANK | 1 | — | — |
| 21 | MidFirst Bank | 1 | — | — |
| 22 | RPE Home, Inc | 1 | — | — |
| 23 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
| 24 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | — |
DSCR / long-term rental lenders in El Paso 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
24 lenders reported short-term, business-purpose investment loans in El Paso County in 2024 verified lending records — 84 loans totaling $139.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across El Paso County's active lenders was 10.25% in 2024, with per-lender medians ranging from 7.99% to 12.05%. 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.