Private & Hard Money Lenders in Johnson County, TX
14 lenders funded 40 short-term investment-property loans in Johnson County in 2024 at a median rate of 11.20%. Ranked by verified loan volume — not paid placement.
Johnson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 10 | 10.95% | 4 |
| 2 | Investmark Mortgage LLC | 6 | 13.99% | — |
| 3 | RPE Home, Inc | 5 | 12.00% | — |
| 4 | SIMMONS BANK | 4 | 8.81% | — |
| 5 | LIMA ONE CAPITAL, LLC | 3 | 11.20% | — |
| 6 | FIRST FINANCIAL BANK | 2 | — | 13 |
| 7 | RF Renovo Management Company, LLC | 2 | — | 3 |
| 8 | Easy Street Capital LLC | 2 | — | — |
| 9 | Texas Trust Credit Union | 1 | — | 4 |
| 10 | AMERICAN NATIONAL BANK OF TEXA | 1 | — | 1 |
| 11 | Conventus Lending LLC | 1 | — | — |
| 12 | FIRST BANK | 1 | — | — |
| 13 | PROSPERITY BANK | 1 | — | — |
| 14 | TexasBank | 1 | — | — |
DSCR / long-term rental lenders in Johnson 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
14 lenders reported short-term, business-purpose investment loans in Johnson County in 2024 verified lending records — 40 loans totaling $15.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Johnson County's active lenders was 11.20% in 2024, with per-lender medians ranging from 8.81% 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.