Private & Hard Money Lenders in Wichita County, TX
11 lenders funded 86 short-term investment-property loans in Wichita County in 2024 at a median rate of 9.25%. Ranked by verified loan volume — not paid placement.
Wichita County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Union Square Credit Union | 40 | 9.50% | 28 |
| 2 | FIRST BANK | 21 | 8.50% | 27 |
| 3 | First National Bank Mortgage | 7 | 9.25% | 2 |
| 4 | PROSPERITY BANK | 5 | 9.00% | 32 |
| 5 | First United Bank | 4 | 8.25% | — |
| 6 | KIAVI FUNDING, INC. | 3 | 9.65% | 22 |
| 7 | RPE Home, Inc | 2 | — | — |
| 8 | Loan Funder LLC | 1 | — | 2 |
| 9 | Temple View Capital Funding LP | 1 | — | 1 |
| 10 | BANK OZK | 1 | — | — |
| 11 | First Mid Bank and Trust, NA | 1 | — | — |
DSCR / long-term rental lenders in Wichita 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
11 lenders reported short-term, business-purpose investment loans in Wichita County in 2024 verified lending records — 86 loans totaling $11.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Wichita County's active lenders was 9.25% in 2024, with per-lender medians ranging from 8.25% to 9.65%. 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.