Private & Hard Money Lenders in Denton County, TX
25 lenders funded 94 short-term investment-property loans in Denton County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Denton County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 18 | 10.95% | — |
| 2 | RF Renovo Management Company, LLC | 13 | 9.99% | 5 |
| 3 | FIRST BANK | 11 | 8.50% | 5 |
| 4 | FIRST UNITED BANK AND TRUST CO | 6 | 8.50% | 25 |
| 5 | Easy Street Capital LLC | 6 | 10.90% | — |
| 6 | RPE Home, Inc | 6 | 11.25% | — |
| 7 | Genesis Capital, LLC | 5 | 9.84% | — |
| 8 | PROSPERITY BANK | 3 | 9.00% | 5 |
| 9 | Temple View Capital Funding LP | 3 | 12.00% | 2 |
| 10 | LendingOne LLC | 3 | 9.74% | 1 |
| 11 | 212 Loans, LLC | 3 | 11.99% | — |
| 12 | Investmark Mortgage LLC | 3 | 12.99% | — |
| 13 | GUARANTY BANK & TRUST | 2 | — | 3 |
| 14 | FIRST FINANCIAL BANK | 1 | — | 10 |
| 15 | INDEPENDENT BANK | 1 | — | 8 |
| 16 | AMERICAN NATIONAL BANK & TRUST | 1 | — | 2 |
| 17 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 1 |
| 18 | Chambers Bank | 1 | — | — |
| 19 | Churchill Funding I LLC | 1 | — | — |
| 20 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 21 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 22 | SIMMONS BANK | 1 | — | — |
| 23 | SOUTHERN BANCORP BANK | 1 | — | — |
| 24 | Union Square Credit Union | 1 | — | — |
| 25 | Veritex Community Bank | 1 | — | — |
DSCR / long-term rental lenders in Denton 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
25 lenders reported short-term, business-purpose investment loans in Denton County in 2024 verified lending records — 94 loans totaling $69.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Denton County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.50% to 12.99%. 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.