Private & Hard Money Lenders in Cullman County, AL
8 lenders funded 13 short-term investment-property loans in Cullman County in 2024 at a median rate of 11.45%. Ranked by verified loan volume — not paid placement.
Cullman County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SOUTHPOINT BANK | 4 | 9.50% | 1 |
| 2 | KIAVI FUNDING, INC. | 3 | 11.45% | 1 |
| 3 | BankFirst Financial Services | 1 | — | 1 |
| 4 | BANKPLUS | 1 | — | — |
| 5 | River Bank & Trust | 1 | — | — |
| 6 | Secured Investment Corp | 1 | — | — |
| 7 | SmartBank | 1 | — | — |
| 8 | US BANK, N.A. | 1 | — | — |
DSCR / long-term rental lenders in Cullman 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
8 lenders reported short-term, business-purpose investment loans in Cullman County in 2024 verified lending records — 13 loans totaling $2.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cullman County's active lenders was 11.45% in 2024, with per-lender medians ranging from 9.50% to 11.45%. 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.