Private & Hard Money Lenders in Mesa County, CO
8 lenders funded 33 short-term investment-property loans in Mesa County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Mesa County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 7 | 10.99% | 1 |
| 2 | KIAVI FUNDING, INC. | 6 | 11.75% | — |
| 3 | OAKSTAR BANK | 5 | 8.25% | 5 |
| 4 | LIMA ONE CAPITAL, LLC | 5 | 10.45% | — |
| 5 | BANK OF COLORADO | 4 | 9.00% | 6 |
| 6 | RPE Home, Inc | 3 | 11.00% | — |
| 7 | ALPINE BANK | 2 | — | 23 |
| 8 | GRAND VALLEY BANK | 1 | — | 2 |
DSCR / long-term rental lenders in Mesa 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
8 lenders reported short-term, business-purpose investment loans in Mesa County in 2024 verified lending records — 33 loans totaling $24.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Mesa County's active lenders was 10.99% in 2024, with per-lender medians ranging from 8.25% to 11.75%. 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.