Private & Hard Money Lenders in Collin County, TX
28 lenders funded 110 short-term investment-property loans in Collin County in 2024 at a median rate of 10.45%. Ranked by verified loan volume — not paid placement.
Collin County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 34 | 10.45% | — |
| 2 | RF Renovo Management Company, LLC | 17 | 9.99% | 3 |
| 3 | Easy Street Capital LLC | 10 | 10.90% | — |
| 4 | RPE Home, Inc | 7 | 12.00% | — |
| 5 | FIRST BANK | 6 | 8.00% | 6 |
| 6 | INWOOD NATIONAL BANK | 3 | 8.00% | 3 |
| 7 | Merchants Mortgage & Trust Corporation | 3 | 10.50% | — |
| 8 | FIRST UNITED BANK AND TRUST CO | 2 | — | 15 |
| 9 | PROSPERITY BANK | 2 | — | 9 |
| 10 | LendingOne LLC | 2 | — | 2 |
| 11 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 2 |
| 12 | BANK OZK | 2 | — | 1 |
| 13 | LIMA ONE CAPITAL, LLC | 2 | — | 1 |
| 14 | 212 Loans, LLC | 2 | — | — |
| 15 | Dominion Financial Services, LLC | 2 | — | — |
| 16 | Sundae Funding | 2 | — | — |
| 17 | Temple View Capital Funding LP | 1 | — | 4 |
| 18 | COMMERCIAL BNAK OF TEXAS, NA | 1 | — | 3 |
| 19 | AMERICAN NATIONAL BANK OF TEXA | 1 | — | 2 |
| 20 | Loan Funder LLC | 1 | — | 2 |
| 21 | BPL Mortgage, LLC | 1 | — | 1 |
| 22 | Conventus Lending LLC | 1 | — | 1 |
| 23 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 24 | FARMERS BANK & TRUST | 1 | — | — |
| 25 | First National Bank Texas | 1 | — | — |
| 26 | GUARANTY BANK & TRUST | 1 | — | — |
| 27 | Investmark Mortgage LLC | 1 | — | — |
| 28 | R BANK | 1 | — | — |
DSCR / long-term rental lenders in Collin 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
28 lenders reported short-term, business-purpose investment loans in Collin County in 2024 verified lending records — 110 loans totaling $46.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Collin County's active lenders was 10.45% in 2024, with per-lender medians ranging from 8.00% 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.