Private & Hard Money Lenders in Texas
128 lenders funded 4,322 short-term investment-property loans ($3.0B) across Texas in 2024, at a median note rate of 9.50%. Ranked by verified loan volume — not paid placement.
Top 10 hard money lenders in Texas by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 940 | 10.69% |
| 2 | RF Renovo Management Company, LLC | 410 | 10.25% |
| 3 | 212 Loans, LLC | 255 | 11.99% |
| 4 | Easy Street Capital LLC | 255 | 10.90% |
| 5 | Loan Funder LLC | 222 | 11.25% |
| 6 | RPE Home, Inc | 181 | 12.00% |
| 7 | PROSPERITY BANK | 165 | 9.00% |
| 8 | LIMA ONE CAPITAL, LLC | 121 | 11.05% |
| 9 | FIRST FINANCIAL BANK | 120 | 9.00% |
| 10 | Investmark Mortgage LLC | 119 | 12.99% |
Texas hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Limited 2024 activity (1–2 reporting lenders): Childress County, Uvalde County, Washington County, Andrews County, Cass County, Cherokee County, Lamb County, Archer County, Gaines County, Hardin County, Hockley County, Jones County, Kendall County, Kerr County, Lampasas County, Limestone County, Red River County, Reeves County, Scurry County, Somervell County, Swisher County, Wharton County, Atascosa County, Callahan County, Camp County, Castro County, Coleman County, Comanche County, Dawson County, Donley County, Fayette County, Frio County, Gillespie County, Grimes County, Hamilton County, Hill County, Jasper County, Kleberg County, Lavaca County, Marion County, Mason County, Maverick County, Milam County, Mills County, Morris County, Panola County, Parmer County, Terry County, Trinity County, Tyler County, Val Verde County, Yoakum County. These counties are typically served by the statewide lenders above.