Private & Hard Money Lenders in Bowie County, TX
5 lenders funded 27 short-term investment-property loans in Bowie County in 2024 at a median rate of 8.65%. Ranked by verified loan volume — not paid placement.
Bowie County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FARMERS BANK & TRUST | 13 | 8.50% | 14 |
| 2 | SIMMONS BANK | 10 | 8.65% | 1 |
| 3 | Cadence Bank | 2 | — | 14 |
| 4 | KIAVI FUNDING, INC. | 1 | — | 4 |
| 5 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Bowie 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
5 lenders reported short-term, business-purpose investment loans in Bowie County in 2024 verified lending records — 27 loans totaling $11.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bowie County's active lenders was 8.65% in 2024, with per-lender medians ranging from 8.50% to 8.65%. 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.