Private & Hard Money Lenders in Bernalillo County, NM
10 lenders funded 54 short-term investment-property loans in Bernalillo County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Bernalillo County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | American Heritage Lending, LLC | 16 | 12.00% | 3 |
| 2 | Loan Funder LLC | 12 | 10.99% | 1 |
| 3 | HTLF BANK | 7 | 8.75% | 5 |
| 4 | SUNWARD | 5 | 7.50% | 20 |
| 5 | Dominion Financial Services, LLC | 3 | 11.00% | 3 |
| 6 | LendingOne LLC | 3 | 11.49% | 1 |
| 7 | RPE Home, Inc | 3 | 11.00% | — |
| 8 | Temple View Capital Funding LP | 3 | 10.50% | — |
| 9 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 4 |
| 10 | LIMA ONE CAPITAL, LLC | 1 | — | — |
DSCR / long-term rental lenders in Bernalillo 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
10 lenders reported short-term, business-purpose investment loans in Bernalillo County in 2024 verified lending records — 54 loans totaling $19.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bernalillo County's active lenders was 11.00% in 2024, with per-lender medians ranging from 7.50% 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.