Private & Hard Money Lenders in Lubbock County, TX
13 lenders funded 50 short-term investment-property loans in Lubbock County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Lubbock County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | CITY BANK | 15 | 8.29% | 72 |
| 2 | PROSPERITY BANK | 9 | 9.00% | 21 |
| 3 | Amarillo National Bank | 6 | 8.00% | 10 |
| 4 | Western Bank | 4 | 9.50% | 11 |
| 5 | HTLF BANK | 3 | 8.25% | 8 |
| 6 | Centennial Bank | 3 | 9.00% | 7 |
| 7 | First United Bank | 3 | 9.00% | 4 |
| 8 | KIAVI FUNDING, INC. | 2 | — | 3 |
| 9 | Dominion Financial Services, LLC | 1 | — | 6 |
| 10 | FIRST FINANCIAL BANK | 1 | — | 5 |
| 11 | LendingOne LLC | 1 | — | 4 |
| 12 | Temple View Capital Funding LP | 1 | — | 2 |
| 13 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Lubbock 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
13 lenders reported short-term, business-purpose investment loans in Lubbock County in 2024 verified lending records — 50 loans totaling $10.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lubbock County's active lenders was 9.00% in 2024, with per-lender medians ranging from 8.00% to 9.50%. 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.