Private & Hard Money Lenders in Utah
23 lenders funded 70 short-term investment-property loans ($214M) across Utah in 2024, at a median note rate of 9.00%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in Utah by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | CACHE VALLEY BANK | 11 | 9.00% |
| 2 | State Bank of Southern Utah | 9 | 8.00% |
| 3 | Glacier Bank | 7 | — |
| 4 | LIMA ONE CAPITAL, LLC | 7 | 10.45% |
| 5 | Utah Community Credit Union | 5 | 7.00% |
| 6 | Easy Street Capital LLC | 4 | — |
| 7 | LendingOne LLC | 4 | — |
| 8 | D. L. EVANS BANK | 3 | — |
| 9 | American United FCU | 2 | — |
| 10 | Arixa Enhanced Income Fund, LP | 2 | — |
Utah hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Salt Lake County
12 lenders · 16 loans
Washington County
5 lenders · 11 loans
Summit County
6 lenders · 6 loans
Utah County
3 lenders · 6 loans
Weber County
4 lenders · 5 loans
Davis County
4 lenders · 4 loans
Wasatch County
3 lenders · 4 loans
Limited 2024 activity (1–2 reporting lenders): Cache County, Iron County, Box Elder County, Kane County, Morgan County, Sevier County, Uintah County, Wayne County. These counties are typically served by the statewide lenders above.