Private & Hard Money Lenders in Houston County, AL
8 lenders funded 56 short-term investment-property loans in Houston County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Houston County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | PEOPLESSOUTH BANK | 16 | 8.50% | 27 |
| 2 | River Bank & Trust | 15 | 8.50% | 6 |
| 3 | BANKPLUS | 6 | 8.50% | 16 |
| 4 | KIAVI FUNDING, INC. | 6 | 11.49% | — |
| 5 | LIMA ONE CAPITAL, LLC | 6 | 10.45% | — |
| 6 | SERVISFIRST BANK | 4 | 8.50% | 5 |
| 7 | Troy Bank and Trust | 2 | — | 19 |
| 8 | ALL IN CREDIT UNION | 1 | — | 11 |
DSCR / long-term rental lenders in Houston 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 Houston County in 2024 verified lending records — 56 loans totaling $14.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Houston County's active lenders was 8.50% in 2024, with per-lender medians ranging from 8.50% to 11.49%. 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.