Private & Hard Money Lenders in Bell County, TX
20 lenders funded 67 short-term investment-property loans in Bell County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Bell County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 20 | 10.95% | 10 |
| 2 | LIMA ONE CAPITAL, LLC | 12 | 10.40% | — |
| 3 | Cadence Bank | 5 | 9.00% | 24 |
| 4 | Investmark Mortgage LLC | 5 | 13.99% | — |
| 5 | Easy Street Capital LLC | 4 | 10.90% | — |
| 6 | EXTRACO BANKS, NA | 3 | 8.25% | 14 |
| 7 | RF Renovo Management Company, LLC | 2 | — | 34 |
| 8 | Direct Lending Partners LLC | 2 | — | — |
| 9 | FIRST UNITED BANK AND TRUST CO | 2 | — | — |
| 10 | R BANK | 2 | — | — |
| 11 | First National Bank Texas | 1 | — | 14 |
| 12 | BPL Mortgage, LLC | 1 | — | 8 |
| 13 | LendingOne LLC | 1 | — | 4 |
| 14 | Loan Funder LLC | 1 | — | 3 |
| 15 | Temple View Capital Funding LP | 1 | — | 2 |
| 16 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
| 17 | Arbor Realty Trust, Inc. | 1 | — | — |
| 18 | Dominion Financial Services, LLC | 1 | — | — |
| 19 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 20 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Bell 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 Bell County in 2024 verified lending records — 67 loans totaling $40.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bell County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.25% to 13.99%. 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.