Private & Hard Money Lenders in Escambia County, FL
19 lenders funded 131 short-term investment-property loans in Escambia County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Escambia County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 50 | 11.50% | 8 |
| 2 | LIMA ONE CAPITAL, LLC | 14 | 10.40% | 2 |
| 3 | RF Renovo Management Company, LLC | 12 | 11.25% | 6 |
| 4 | Merchants Mortgage & Trust Corporation | 9 | 11.00% | — |
| 5 | Community Bank of Mississippi | 7 | 8.45% | 6 |
| 6 | Easy Street Capital LLC | 6 | 10.90% | — |
| 7 | Centennial Bank | 5 | 9.50% | 7 |
| 8 | Loan Funder LLC | 5 | 10.99% | 4 |
| 9 | RPE Home, Inc | 4 | 13.00% | — |
| 10 | ABL RPC Residential Credit Acquisition LLC | 3 | 14.38% | 3 |
| 11 | Genesis Capital, LLC | 3 | 8.70% | — |
| 12 | TRUSTMARK NATIONAL BANK | 2 | — | 7 |
| 13 | American Heritage Lending, LLC | 2 | — | 6 |
| 14 | SERVISFIRST BANK | 2 | — | 5 |
| 15 | Dominion Financial Services, LLC | 2 | — | 3 |
| 16 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 2 |
| 17 | Ice Lender Holdings LLC | 1 | — | 11 |
| 18 | LendingOne LLC | 1 | — | 11 |
| 19 | SYNOVUS BANK | 1 | — | — |
DSCR / long-term rental lenders in Escambia 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
19 lenders reported short-term, business-purpose investment loans in Escambia County in 2024 verified lending records — 131 loans totaling $24.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Escambia County's active lenders was 10.99% in 2024, with per-lender medians ranging from 8.45% to 14.38%. 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.