Private & Hard Money Lenders in Walton County, FL
34 lenders funded 88 short-term investment-property loans in Walton County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Walton County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Community Bank of Mississippi | 9 | 8.00% | 4 |
| 2 | BANKPLUS | 9 | 8.50% | 3 |
| 3 | Archwest Funding | 8 | 10.50% | — |
| 4 | KIAVI FUNDING, INC. | 8 | 10.70% | — |
| 5 | Loan Funder LLC | 6 | 11.75% | — |
| 6 | PEOPLESSOUTH BANK | 5 | 9.00% | 2 |
| 7 | The First Bank | 4 | 8.50% | 5 |
| 8 | ABL RPC Residential Credit Acquisition LLC | 4 | 14.88% | — |
| 9 | BankFirst Financial Services | 3 | 9.00% | — |
| 10 | Cadence Bank | 2 | — | 5 |
| 11 | GULF COAST BANK AND TRUST | 2 | — | 4 |
| 12 | BRYANT BANK | 2 | — | 1 |
| 13 | CAPITAL CITY BANK | 2 | — | 1 |
| 14 | First Security Bank | 2 | — | 1 |
| 15 | FIRSTBANK | 2 | — | 1 |
| 16 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 17 | ALL IN CREDIT UNION | 1 | — | 5 |
| 18 | RENASANT BANK | 1 | — | 5 |
| 19 | TRUSTMARK NATIONAL BANK | 1 | — | 4 |
| 20 | RF Renovo Management Company, LLC | 1 | — | 3 |
| 21 | First Mid Bank and Trust, NA | 1 | — | 1 |
| 22 | LendingOne LLC | 1 | — | 1 |
| 23 | Troy Bank and Trust | 1 | — | 1 |
| 24 | Carrollton Bank | 1 | — | — |
| 25 | Centennial Bank | 1 | — | — |
| 26 | Conventus Lending LLC | 1 | — | — |
| 27 | Dominion Financial Services, LLC | 1 | — | — |
| 28 | Eagle Bank and Trust Company | 1 | — | — |
| 29 | Easy Street Capital LLC | 1 | — | — |
| 30 | FIRST FEDERAL BANK | 1 | — | — |
| 31 | Pinnacle Bank | 1 | — | — |
| 32 | SERVISFIRST BANK | 1 | — | — |
| 33 | SOUTHERN BANCORP BANK | 1 | — | — |
| 34 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Walton 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 Walton County in 2024 verified lending records — 88 loans totaling $134.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Walton County's active lenders was 9.00% in 2024, with per-lender medians ranging from 8.00% to 14.88%. 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.