Private & Hard Money Lenders in Ellis County, TX
11 lenders funded 16 short-term investment-property loans in Ellis County in 2024 at a median rate of 10.19%. Ranked by verified loan volume — not paid placement.
Ellis County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 3 | 10.19% | 1 |
| 2 | RF Renovo Management Company, LLC | 2 | — | 1 |
| 3 | SIMMONS BANK | 2 | — | 1 |
| 4 | RPE Home, Inc | 2 | — | — |
| 5 | FIRST UNITED BANK AND TRUST CO | 1 | — | 1 |
| 6 | Temple View Capital Funding LP | 1 | — | 1 |
| 7 | Cadence Bank | 1 | — | — |
| 8 | Easy Street Capital LLC | 1 | — | — |
| 9 | First National Bank Mortgage | 1 | — | — |
| 10 | Investmark Mortgage LLC | 1 | — | — |
| 11 | LIMA ONE CAPITAL, LLC | 1 | — | — |
DSCR / long-term rental lenders in Ellis 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
11 lenders reported short-term, business-purpose investment loans in Ellis County in 2024 verified lending records — 16 loans totaling $4.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Ellis County's active lenders was 10.19% in 2024. 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.