Private & Hard Money Lenders in Nueces County, TX
15 lenders funded 40 short-term investment-property loans in Nueces County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Nueces County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SIMMONS BANK | 10 | 9.00% | 85 |
| 2 | KIAVI FUNDING, INC. | 7 | 11.19% | 9 |
| 3 | PROSPERITY BANK | 4 | 9.00% | 21 |
| 4 | Loan Funder LLC | 4 | 10.99% | 3 |
| 5 | Easy Street Capital LLC | 4 | 10.90% | — |
| 6 | GUARANTY BANK & TRUST | 2 | — | — |
| 7 | CoastLife Credit Union | 1 | — | 7 |
| 8 | LendingOne LLC | 1 | — | 1 |
| 9 | RF Renovo Management Company, LLC | 1 | — | 1 |
| 10 | Armed Forces Bank, N.A. | 1 | — | — |
| 11 | Evangeline Bank & Trust Company | 1 | — | — |
| 12 | MidFirst Bank | 1 | — | — |
| 13 | RPE Home, Inc | 1 | — | — |
| 14 | THE CITY NATIONAL BANK OF SULPHUR SPRINGS | 1 | — | — |
| 15 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Nueces 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
15 lenders reported short-term, business-purpose investment loans in Nueces County in 2024 verified lending records — 40 loans totaling $18.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Nueces County's active lenders was 10.90% in 2024, with per-lender medians ranging from 9.00% to 11.19%. 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.