Private & Hard Money Lenders in Smith County, TX
18 lenders funded 41 short-term investment-property loans in Smith County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Smith County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | RPE Home, Inc | 8 | 12.00% | — |
| 2 | KIAVI FUNDING, INC. | 5 | 11.19% | 1 |
| 3 | AUSTIN BANK, TEXAS NATIONAL ASSOCIATION | 4 | 9.00% | 32 |
| 4 | VERABANK,N.A. | 3 | 10.00% | 30 |
| 5 | Easy Street Capital LLC | 3 | 10.90% | — |
| 6 | LIMA ONE CAPITAL, LLC | 3 | 10.80% | — |
| 7 | SOUTHSIDE BANK | 2 | — | 6 |
| 8 | Loan Funder LLC | 2 | — | 2 |
| 9 | SIMMONS BANK | 2 | — | — |
| 10 | PROSPERITY BANK | 1 | — | 7 |
| 11 | RF Renovo Management Company, LLC | 1 | — | 3 |
| 12 | FIRST FINANCIAL BANK | 1 | — | 2 |
| 13 | BANK OZK | 1 | — | — |
| 14 | FIRST BANK | 1 | — | — |
| 15 | INB, NATIONAL ASSOCIATION | 1 | — | — |
| 16 | Investmark Mortgage LLC | 1 | — | — |
| 17 | PLANET MANAGMENT GROUP, LLC | 1 | — | — |
| 18 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | — |
DSCR / long-term rental lenders in Smith 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
18 lenders reported short-term, business-purpose investment loans in Smith County in 2024 verified lending records — 41 loans totaling $19.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Smith County's active lenders was 10.90% in 2024, with per-lender medians ranging from 9.00% to 12.00%. 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.