Private & Hard Money Lenders in Clarke County, GA
13 lenders funded 41 short-term investment-property loans in Clarke County in 2024 at a median rate of 10.70%. Ranked by verified loan volume — not paid placement.
Clarke County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | First American Bank | 16 | 6.95% | 20 |
| 2 | KIAVI FUNDING, INC. | 7 | 10.70% | 9 |
| 3 | SYNOVUS BANK | 3 | 7.56% | 10 |
| 4 | Easy Street Capital LLC | 3 | 10.90% | — |
| 5 | Loan Funder LLC | 3 | 11.00% | — |
| 6 | LendingOne LLC | 2 | — | 1 |
| 7 | Cadence Bank | 1 | — | 2 |
| 8 | American Heritage Lending, LLC | 1 | — | 1 |
| 9 | BANK OZK | 1 | — | 1 |
| 10 | RENASANT BANK | 1 | — | 1 |
| 11 | Temple View Capital Funding LP | 1 | — | — |
| 12 | UNITED COMMUNITY BANK | 1 | — | — |
| 13 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | — |
DSCR / long-term rental lenders in Clarke 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
13 lenders reported short-term, business-purpose investment loans in Clarke County in 2024 verified lending records — 41 loans totaling $12.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Clarke County's active lenders was 10.70% in 2024, with per-lender medians ranging from 6.95% 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.