Private & Hard Money Lenders in Grayson County, TX
18 lenders funded 78 short-term investment-property loans in Grayson County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Grayson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FIRST UNITED BANK AND TRUST CO | 26 | 9.50% | 42 |
| 2 | KIAVI FUNDING, INC. | 18 | 10.69% | 1 |
| 3 | RF Renovo Management Company, LLC | 7 | 10.25% | 6 |
| 4 | SIMMONS BANK | 7 | 8.65% | — |
| 5 | Investmark Mortgage LLC | 5 | 13.99% | — |
| 6 | Archwest Funding | 2 | — | 5 |
| 7 | RPE Home, Inc | 2 | — | — |
| 8 | BPL Mortgage, LLC | 1 | — | 9 |
| 9 | Cadence Bank | 1 | — | 8 |
| 10 | INDEPENDENT BANK | 1 | — | 6 |
| 11 | First State Bank | 1 | — | 4 |
| 12 | Loan Funder LLC | 1 | — | 1 |
| 13 | Dominion Financial Services, LLC | 1 | — | — |
| 14 | Easy Street Capital LLC | 1 | — | — |
| 15 | Genesis Capital, LLC | 1 | — | — |
| 16 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 17 | Nationwide Life Insurance Company | 1 | — | — |
| 18 | THE CITY NATIONAL BANK OF SULPHUR SPRINGS | 1 | — | — |
DSCR / long-term rental lenders in Grayson 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
18 lenders reported short-term, business-purpose investment loans in Grayson County in 2024 verified lending records — 78 loans totaling $39.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Grayson County's active lenders was 10.25% in 2024, with per-lender medians ranging from 8.65% to 13.99%. 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.