Private & Hard Money Lenders in Montgomery County, TX
25 lenders funded 92 short-term investment-property loans in Montgomery County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.
Montgomery County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Loan Funder LLC | 16 | 11.00% | 1 |
| 2 | KIAVI FUNDING, INC. | 13 | 11.15% | 2 |
| 3 | 212 Loans, LLC | 8 | 11.99% | — |
| 4 | STELLAR BANK | 7 | 8.25% | 6 |
| 5 | FIRST FINANCIAL BANK | 6 | 8.50% | 10 |
| 6 | Investmark Mortgage LLC | 5 | 13.99% | — |
| 7 | Easy Street Capital LLC | 4 | 10.90% | — |
| 8 | RPE Home, Inc | 4 | 13.00% | — |
| 9 | AUSTIN BANK, TEXAS NATIONAL ASSOCIATION | 3 | 9.00% | 4 |
| 10 | SIMMONS BANK | 3 | 8.65% | 2 |
| 11 | Temple View Capital Funding LP | 3 | 11.50% | 1 |
| 12 | Genesis Capital, LLC | 3 | 9.84% | — |
| 13 | PROSPERITY BANK | 2 | — | 12 |
| 14 | LIMA ONE CAPITAL, LLC | 2 | — | 4 |
| 15 | CITY BANK | 2 | — | 1 |
| 16 | RF Renovo Management Company, LLC | 2 | — | 1 |
| 17 | American Heritage Lending, LLC | 1 | — | 26 |
| 18 | INDEPENDENT BANK | 1 | — | 3 |
| 19 | SOUTHSIDE BANK | 1 | — | 2 |
| 20 | b1BANK | 1 | — | 1 |
| 21 | Churchill Funding I LLC | 1 | — | — |
| 22 | GREAT SOUTHERN BANK | 1 | — | — |
| 23 | Hilton Financial Corporation | 1 | — | — |
| 24 | Sundae Funding | 1 | — | — |
| 25 | WELLS FARGO BANK NA | 1 | — | — |
DSCR / long-term rental lenders in Montgomery 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
25 lenders reported short-term, business-purpose investment loans in Montgomery County in 2024 verified lending records — 92 loans totaling $66.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Montgomery County's active lenders was 11.00% in 2024, with per-lender medians ranging from 8.25% 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.