Private & Hard Money Lenders in El Paso County, TX
10 lenders funded 42 short-term investment-property loans in El Paso County in 2024 at a median rate of 10.95%. Ranked by verified loan volume — not paid placement.
El Paso County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 29 | 10.95% | 4 |
| 2 | First National Bank Texas | 3 | 7.50% | 7 |
| 3 | CITY BANK | 2 | — | 12 |
| 4 | VAL-CHRIS INVESTMENTS INC. | 2 | — | — |
| 5 | Change Lending, LLC | 1 | — | 21 |
| 6 | GECU | 1 | — | 5 |
| 7 | Loan Funder LLC | 1 | — | 4 |
| 8 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 3 |
| 9 | TexasBank | 1 | — | 1 |
| 10 | Lument Structured Finance, LLC | 1 | — | — |
DSCR / long-term rental lenders in El Paso 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
10 lenders reported short-term, business-purpose investment loans in El Paso County in 2024 verified lending records — 42 loans totaling $21.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across El Paso County's active lenders was 10.95% in 2024, with per-lender medians ranging from 7.50% to 10.95%. 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.