Texas Private Money Lenders
Seeking a private money loan secured by real estate in Texas? On this page you'll find a list of direct private money lending companies that offer fast funding for a property purchase, refinance, or equity cash out in 1st lien position. Private money loans are for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. We only list professional private lending companies, not individual investors.Searching...
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Groundfloor Lending
Fast Funding with Deferred Interest Payments
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
RBI Private Lending
Direct lender for Bridge Loans, Fix and Flip and Construction. Foreign nationals and new investors welcome.
RCN Capital
Wholesale Lender for Residential Fix & Flip, Long-Term Rental, New Construction, & Bridge Loans
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Certain Lending
The Mortgage Company Built for Real Estate Investors
Texas Equity Lending
Direct Lender | Quick, simple process with FAST approvals and funding
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
CR Lending
NO Credit Check, NO Appraisal / Survey, NO Prepay | 100% LTC for Fix & Flip
Unitas Funding LLC
Direct Lending for Residential Property Investors - Bridge, Rehab, Construction
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
F2 Finance LLC
Fast and Flexible Finance for Property Investors
Capital Fund 1, LLC
Reliable Private Money for Your Real Estate Projects
Soviero Capital LLC
Asset-Based Hard Money Lender for All Types of Improved Real Estate (up to 65% LTV)
Yieldi
Direct, Reliable Lender for Investment Properties
i Fund Cities
Direct Lender for Builders and Rehabbers
Center Street Lending
Smarter Loans for Residential Investors
FlipCo Financial
Asset-Based Lending for Flippers | 90% LTC, NO Minimum Credit Score, NO Appraisals, NO Expierience Requirements
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Top 20 Texas Private Lenders
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in Texas from October 2025 to December 2025.
- Kiavi funded 318 loans
- Renovo Financial funded 249 loans
- Longhorn Investments funded 200 loans
- Searchers Capital Fund funded 189 loans
- Builders Capital funded 172 loans
- Capital Fund I LLC funded 159 loans
- Boomerang Capital Partners funded 145 loans
- Easy Street Capital funded 122 loans
- Crebrid (Wildcat Lending) funded 114 loans
- Velocity Commercial Capital funded 109 loans
- American Heritage Lending LLC funded 98 loans
- Schumer-Yarbrough Development LLC funded 95 loans
- Cv3 Financial Services LLC funded 85 loans
- Loan Ranger Capital Investments LLC funded 82 loans
- Kyber Mortgage Corporation funded 81 loans
- i Fund Cities funded 78 loans
- Constructive Capital funded 74 loans
- Housemax Funding LLC funded 74 loans
- S31 Tax Funding LLC funded 72 loans
- Visio Lending funded 72 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
Texas Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Texas private money loans in the 1st quarter of 2026 was 10.22%. The average loan amount was $499,687. These stats are the average of 1,011 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Texas between January 1, 2026 and March 31, 2026 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Here is a breakdown of average interest rates in the 5 major metropolitan areas of Texas:
Dallas Fort Worth
The average interest rate for DFW private money loans in the 1st quarter of 2026 was 10.26%. The average loan amount was $557,809. Of the 349 total loans in the 3-month period, 192 were secured by properties in Dallas County, 85 in Tarrant County, 31 in Collin County, 29 in Denton County, and 12 in Hood County.
Houston
The average interest rate for Houston private money loans in the 1st quarter of 2026 was 9.91%. The average loan amount was $610,772. Of the 200 total loans in the 3-month period, 167 were secured by properties in Harris County and 33 in Montgomery County.
Austin
The average interest rate for Austin private money loans in the 1st quarter of 2026 was 10.57%. The average loan amount was $590,002. Of the 48 total loans in the 3-month period, 38 were secured by properties in Travis County and 10 in Williamson County.
San Antonio
The average interest rate for San Antonio private money loans in the 1st quarter of 2026 was 9.78%. The average loan amount was $268,591. The averages are derived from 140 loans secured by properties in Bexar County.
McAllen
The average interest rate for San Antonio private money loans in the 1st quarter of 2026 was 10.52%. The average loan amount was $477,501. The averages are derived from 33 loans secured by properties in Hidalgo County.
According to private lending data provider, Analytics Logics, the average interest rate for Texas private money loans in the 3rd quarter of 2025 was 10.61%. Lenders charged an average of 2.1% points (origination fee). The average LTV (loan-to-value) for private money loans in Texas was 69%, and the average loan amount was $367,677. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top Texas Investors Using Private Lenders
According to Forecasac™, here are the some of the most active real estate investors in Texas that use private lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- Horizon Homes LLC
- HB PROPERTIES LLC
- MULBERRY GROUP LLC
- LTX HOLDINGS INC
- Homeward Inc
- Hubbselevation LLC
- ACCELERATE INVESTMENTS GROUP LLC
- Lane Investments LLC
- Cerberus
- Harris Land And Timber Company LLC
- Quality Property Solutions LLC
- AJX Homes LLC
- Offerpad
- AMBITION GROUP LLC
- Zhs Investments LLC
- House Buyers Of America INC
- Freaky Fast Home Buyers & Investments LLC
- TCM INVESTMENT GROUP LLC
- MDD HOMES LLC
- Integrity Homes Tx LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in Texas recently:
Kiavi | Rain City Capital LLC | FlipCo Financial | Coastal Equity Group | Temple View Capital* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasac™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
Texas Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in Texas which were funded by private lenders from January 2025 to December 2025.
- Approximately $- of private money loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $1,226,871,433 of private money loans were funded in the 3rd quarter of 2025 for 3,348 borrowers.
- Approximately $1,494,074,614 of private money loans were funded in the 2nd quarter of 2025 for 3,877 borrowers.
- Approximately $1,217,782,007 of private money loans were funded in the 1st quarter of 2025 for 3,345 borrowers.
Below are the approximate private money loan volume amounts for Texas metropolitan areas:
Austin-Round Rock-San Marcos, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $150,766,612 for 216 borrowers
- 2025 Q2: $134,370,247 for 197 borrowers
- 2025 Q1: $151,319,977 for 217 borrowers
Dallas-Fort Worth-Arlington, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $541,163,601 for 1,295 borrowers
- 2025 Q2: $523,972,775 for 1,469 borrowers
- 2025 Q1: $420,023,760 for 1,243 borrowers
El Paso, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $16,045,226 for 82 borrowers
- 2025 Q2: $29,033,223 for 122 borrowers
- 2025 Q1: $20,504,519 for 104 borrowers
Houston-Pasadena-The Woodlands, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $245,361,395 for 790 borrowers
- 2025 Q2: $300,545,946 for 989 borrowers
- 2025 Q1: $271,831,916 for 809 borrowers
Killeen-Temple, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $11,464,326 for 37 borrowers
- 2025 Q2: $10,130,245 for 58 borrowers
- 2025 Q1: $16,971,390 for 48 borrowers
Lubbock, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $6,208,131 for 46 borrowers
- 2025 Q2: $4,820,232 for 35 borrowers
- 2025 Q1: $4,250,254 for 32 borrowers
Mcallen-Edinburg-Mission, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $4,727,800 for 15 borrowers
- 2025 Q2: $3,469,237 for 16 borrowers
- 2025 Q1: $3,401,000 for 13 borrowers
San Antonio-New Braunfels, TX
- 2025 Q4: $- for - borrowers
- 2025 Q3: $102,303,090 for 416 borrowers
- 2025 Q2: $94,945,810 for 432 borrowers
- 2025 Q1: $121,508,253 for 407 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Select a Metro Area
Texas is a massive state, and many lenders focus on specific areas. Filter your search by selecting a metro area:
Dallas Forth Worth | Houston | Austin | San Antonio | El Paso | Rio Grande Valley
