Private & Hard Money Lenders in Lauderdale County, AL
7 lenders funded 38 short-term investment-property loans in Lauderdale County in 2024 at a median rate of 9.25%. Ranked by verified loan volume — not paid placement.
Lauderdale County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Bank Independent | 22 | 9.25% | 57 |
| 2 | River Bank & Trust | 9 | 7.90% | 5 |
| 3 | RENASANT BANK | 2 | — | 5 |
| 4 | Assurance Financial Group, L.L.C. | 2 | — | — |
| 5 | BRYANT BANK | 1 | — | 4 |
| 6 | UNITED COMMUNITY BANK | 1 | — | 1 |
| 7 | KIAVI FUNDING, INC. | 1 | — | — |
DSCR / long-term rental lenders in Lauderdale 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
7 lenders reported short-term, business-purpose investment loans in Lauderdale County in 2024 verified lending records — 38 loans totaling $5.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lauderdale County's active lenders was 9.25% in 2024, with per-lender medians ranging from 7.90% to 9.25%. 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.