Private & Hard Money Lenders in Jefferson County, CO
20 lenders funded 144 short-term investment-property loans in Jefferson County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Jefferson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Merchants Mortgage & Trust Corporation | 48 | 10.25% | — |
| 2 | RF Renovo Management Company, LLC | 34 | 10.00% | — |
| 3 | KIAVI FUNDING, INC. | 17 | 11.49% | — |
| 4 | FirstBank | 15 | 9.50% | 51 |
| 5 | Conventus Lending LLC | 8 | 10.00% | — |
| 6 | RPE Home, Inc | 4 | 11.00% | — |
| 7 | LendingOne LLC | 2 | — | 5 |
| 8 | THE CENTRAL TRUST BANK | 2 | — | 2 |
| 9 | COMMERCE BANK | 2 | — | — |
| 10 | Genesis Capital, LLC | 2 | — | — |
| 11 | American Heritage Lending, LLC | 1 | — | 2 |
| 12 | Encore Bank | 1 | — | 1 |
| 13 | MidFirst Bank | 1 | — | 1 |
| 14 | 212 Loans, LLC | 1 | — | — |
| 15 | Easy Street Capital LLC | 1 | — | — |
| 16 | INDEPENDENT BANK | 1 | — | — |
| 17 | Loan Funder LLC | 1 | — | — |
| 18 | SOLERA NATIONAL BANK | 1 | — | — |
| 19 | Sundae Funding | 1 | — | — |
| 20 | WELLS FARGO BANK NA | 1 | — | — |
DSCR / long-term rental lenders in Jefferson 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
20 lenders reported short-term, business-purpose investment loans in Jefferson County in 2024 verified lending records — 144 loans totaling $137.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Jefferson County's active lenders was 10.25% in 2024, with per-lender medians ranging from 9.50% to 11.49%. 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.