How many hard money lenders are active in Harris County?

46 lenders reported short-term, business-purpose investment loans in Harris County in 2024 verified lending records — 658 loans totaling $515.7M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in Harris County?

The median note rate across Harris County's active lenders was 10.50% in 2024, with per-lender medians ranging from 8.50% to 13.99%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in Harris County, TX

46 lenders funded 658 short-term investment-property loans in Harris County in 2024 at a median rate of 10.50%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

658$515.7M

Median note rate

10.50%8.5–14.0%

DSCR / rental loans

4,025

Harris County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	105	10.70%	37
2	212 Loans, LLC	93	11.99%	1
3	PROSPERITY BANK	60	9.00%	27
4	Loan Funder LLC	59	11.29%	30
5	Easy Street Capital LLC	45	10.90%	—
6	RF Renovo Management Company, LLC	41	10.25%	83
7	LIMA ONE CAPITAL, LLC	27	11.45%	19
8	INDEPENDENT BANK	27	8.75%	6
9	STELLAR BANK	25	9.00%	25
10	Investmark Mortgage LLC	21	13.99%	—
11	CITY BANK	18	9.00%	5
12	Genesis Capital, LLC	17	9.84%	—
13	ABL RPC Residential Credit Acquisition LLC	12	12.88%	5
14	Temple View Capital Funding LP	10	11.50%	10
15	Sundae Funding	10	11.00%	—
16	SIMMONS BANK	9	8.50%	2
17	VELOCITY COMMERCIAL CAPITAL LLC	8	11.49%	51
18	Cadence Bank	8	8.75%	24
19	Conventus Lending LLC	7	10.50%	1
20	RPE Home, Inc	7	11.50%	—
21	FIRST FINANCIAL BANK	5	9.00%	15
22	ISB Capital, LLC	5	11.99%	—
23	Dominion Financial Services, LLC	4	—	18
24	LendingOne LLC	4	10.42%	17
25	Archwest Funding	3	10.25%	14
26	Merchants Mortgage & Trust Corporation	3	10.50%	—
27	BANK OZK	2	—	8
28	ORIGIN BANK	2	—	5
29	CATHAY BANK	2	—	1
30	Central Bank	2	—	—
31	Direct Lending Partners LLC	2	—	—
32	JPMorgan Chase Bank, NA	1	—	95
33	American Heritage Lending, LLC	1	—	52
34	Legend Lending Corporation	1	—	28
35	Ice Lender Holdings LLC	1	—	19
36	Change Lending, LLC	1	—	16
37	MidFirst Bank	1	—	15
38	BOKF NA	1	—	3
39	SOUTHSIDE BANK	1	—	3
40	TRUSTMARK NATIONAL BANK	1	—	2
41	b1BANK	1	—	1
42	Churchill Funding I LLC	1	—	1
43	BANKPLUS	1	—	—
44	CIBC Bank USA	1	—	—
45	Merchants Bank of Indiana	1	—	—
46	VAL-CHRIS INVESTMENTS INC.	1	—	—

DSCR / long-term rental lenders in Harris 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.

United Wholesale Mortgage · 649AmWest Funding Corp · 148OCMBC, INC. · 140Kind Lending, LLC · 104EMPORIUM TPO LLC · 103DHI Mortgage Company, LTD. · 97A&D MORTGAGE LLC · 96HomeXpress Mortgage Corp. · 84Citadel Servicing Corporation · 77Hometown Equity Mortgage, LLC · 76CMG MORTGAGE INC · 72PENNYMAC LOAN SERVICES LLC · 64Deephaven Mortgage LLC · 62ANGEL OAK MORTGAGE SOLUTIONS LLC · 54CROSSCOUNTRY MORTGAGE, LLC · 52LOANDEPOT.COM, LLC · 50NEXERA HOLDING LLC · 49NEWREZ LLC · 41Bank of America NA · 34CHAMPIONS FUNDING, LLC · 33

Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in Harris Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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