Private & Hard Money Lenders in Baldwin County, AL
30 lenders funded 111 short-term investment-property loans in Baldwin County in 2024 at a median rate of 8.85%. Ranked by verified loan volume — not paid placement.
Baldwin County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Community Bank of Mississippi | 26 | 8.85% | 17 |
| 2 | Cadence Bank | 15 | 9.00% | 9 |
| 3 | BRYANT BANK | 12 | 8.75% | 7 |
| 4 | TRUSTMARK NATIONAL BANK | 8 | 8.75% | 2 |
| 5 | KIAVI FUNDING, INC. | 7 | 11.95% | 1 |
| 6 | BANKPLUS | 4 | 8.50% | 5 |
| 7 | River Bank & Trust | 3 | 9.00% | 4 |
| 8 | The First Bank | 3 | 8.50% | 4 |
| 9 | LIMA ONE CAPITAL, LLC | 3 | 10.15% | 2 |
| 10 | SERVISFIRST BANK | 3 | 8.00% | 2 |
| 11 | Loan Funder LLC | 3 | 11.99% | 1 |
| 12 | INDEPENDENT BANK | 3 | 8.50% | — |
| 13 | LendingOne LLC | 2 | — | 4 |
| 14 | BankFirst Financial Services | 2 | — | 1 |
| 15 | Easy Street Capital LLC | 2 | — | — |
| 16 | SouthState Bank, N.A. | 1 | — | 37 |
| 17 | MERCHANTS & MARINE BANK | 1 | — | 5 |
| 18 | ORIGIN BANK | 1 | — | 2 |
| 19 | Centennial Bank | 1 | — | 1 |
| 20 | HANCOCK WHITNEY BANK | 1 | — | 1 |
| 21 | PEOPLES BANIK OF GREENSBORO | 1 | — | 1 |
| 22 | Archwest Funding | 1 | — | — |
| 23 | Dominion Financial Services, LLC | 1 | — | — |
| 24 | FIRST NATIONAL BANK | 1 | — | — |
| 25 | Merchants Bank of Indiana | 1 | — | — |
| 26 | PEOPLESSOUTH BANK | 1 | — | — |
| 27 | Pinnacle Bank | 1 | — | — |
| 28 | RF Renovo Management Company, LLC | 1 | — | — |
| 29 | SOUTHPOINT BANK | 1 | — | — |
| 30 | SULLIVAN BANK | 1 | — | — |
DSCR / long-term rental lenders in Baldwin 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
30 lenders reported short-term, business-purpose investment loans in Baldwin County in 2024 verified lending records — 111 loans totaling $69.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Baldwin County's active lenders was 8.85% in 2024, with per-lender medians ranging from 8.00% to 11.99%. 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.