Private & Hard Money Lenders in Jefferson County, AL
34 lenders funded 263 short-term investment-property loans in Jefferson County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Jefferson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 51 | 11.49% | 19 |
| 2 | Cadence Bank | 32 | 9.00% | 34 |
| 3 | Loan Funder LLC | 29 | 11.25% | 33 |
| 4 | Community Bank of Mississippi | 26 | 8.30% | 24 |
| 5 | Easy Street Capital LLC | 16 | 10.90% | — |
| 6 | RPE Home, Inc | 13 | 12.00% | — |
| 7 | Secured Investment Corp | 13 | 13.99% | — |
| 8 | LIMA ONE CAPITAL, LLC | 9 | 10.60% | 11 |
| 9 | LendingOne LLC | 9 | 11.00% | 8 |
| 10 | SOUTHPOINT BANK | 9 | 9.50% | 2 |
| 11 | Dominion Financial Services, LLC | 8 | 11.00% | 6 |
| 12 | BRYANT BANK | 7 | 8.50% | 15 |
| 13 | Merchants Mortgage & Trust Corporation | 6 | 12.00% | — |
| 14 | River Bank & Trust | 5 | 9.00% | 7 |
| 15 | Churchill Funding I LLC | 4 | 10.63% | — |
| 16 | RENASANT BANK | 3 | 8.50% | 30 |
| 17 | Temple View Capital Funding LP | 3 | 11.00% | 2 |
| 18 | SERVISFIRST BANK | 2 | — | 6 |
| 19 | BankFirst Financial Services | 2 | — | 2 |
| 20 | RF Renovo Management Company, LLC | 2 | — | — |
| 21 | FIRSTBANK | 1 | — | 82 |
| 22 | American Heritage Lending, LLC | 1 | — | 16 |
| 23 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 11 |
| 24 | Bank Independent | 1 | — | 4 |
| 25 | SYNOVUS BANK | 1 | — | 4 |
| 26 | TRUSTMARK NATIONAL BANK | 1 | — | 2 |
| 27 | Assurance Financial Group, L.L.C. | 1 | — | 1 |
| 28 | BANKPLUS | 1 | — | 1 |
| 29 | Conventus Lending LLC | 1 | — | 1 |
| 30 | FORTRESS BANK | 1 | — | 1 |
| 31 | HOME FEDERAL BANK OF TENNESSEE | 1 | — | — |
| 32 | REGIONS BANK | 1 | — | — |
| 33 | SmartBank | 1 | — | — |
| 34 | SOUTH CENTRAL BANK INC | 1 | — | — |
DSCR / long-term rental lenders in Jefferson 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
34 lenders reported short-term, business-purpose investment loans in Jefferson County in 2024 verified lending records — 263 loans totaling $67.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Jefferson County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.30% to 13.99%. 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.