Private & Hard Money Lenders in McLennan County, TX
8 lenders funded 19 short-term investment-property loans in McLennan County in 2024 at a median rate of 10.45%. Ranked by verified loan volume — not paid placement.
McLennan County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 7 | 10.45% | 2 |
| 2 | Cadence Bank | 4 | 9.00% | 18 |
| 3 | Loan Funder LLC | 2 | — | 5 |
| 4 | Temple View Capital Funding LP | 2 | — | — |
| 5 | INDEPENDENT BANK | 1 | — | 2 |
| 6 | Archwest Funding | 1 | — | 1 |
| 7 | AMERICAN NATIONAL BANK OF TEXA | 1 | — | — |
| 8 | Investmark Mortgage LLC | 1 | — | — |
DSCR / long-term rental lenders in McLennan 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
8 lenders reported short-term, business-purpose investment loans in McLennan County in 2024 verified lending records — 19 loans totaling $6.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across McLennan County's active lenders was 10.45% in 2024, with per-lender medians ranging from 9.00% to 10.45%. 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.