Private & Hard Money Lenders in Okaloosa County, FL
19 lenders funded 104 short-term investment-property loans in Okaloosa County in 2024 at a median rate of 8.80%. Ranked by verified loan volume — not paid placement.
Okaloosa County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 61 | 10.70% | 11 |
| 2 | Community Bank of Mississippi | 10 | 8.80% | 7 |
| 3 | The First Bank | 7 | 8.75% | 4 |
| 4 | Dominion Financial Services, LLC | 3 | 11.00% | 1 |
| 5 | SERVISFIRST BANK | 3 | 7.75% | — |
| 6 | Cadence Bank | 2 | — | 6 |
| 7 | GULF COAST BANK AND TRUST | 2 | — | 4 |
| 8 | RENASANT BANK | 2 | — | 4 |
| 9 | HANCOCK WHITNEY BANK | 2 | — | 2 |
| 10 | LendingOne LLC | 2 | — | 2 |
| 11 | RF Renovo Management Company, LLC | 2 | — | — |
| 12 | Archwest Funding | 1 | — | 6 |
| 13 | BankFirst Financial Services | 1 | — | — |
| 14 | Easy Street Capital LLC | 1 | — | — |
| 15 | FIRSTBANK | 1 | — | — |
| 16 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 17 | Loan Funder LLC | 1 | — | — |
| 18 | SOUTH CENTRAL BANK INC | 1 | — | — |
| 19 | UNITED BANK | 1 | — | — |
DSCR / long-term rental lenders in Okaloosa 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 Okaloosa County in 2024 verified lending records — 104 loans totaling $40.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Okaloosa County's active lenders was 8.80% in 2024, with per-lender medians ranging from 7.75% to 11.00%. 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.