Private & Hard Money Lenders in Columbia County, GA
7 lenders funded 29 short-term investment-property loans in Columbia County in 2024 at a median rate of 10.70%. Ranked by verified loan volume — not paid placement.
Columbia County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Queensborough National Bank and Trust | 17 | 8.26% | 13 |
| 2 | KIAVI FUNDING, INC. | 5 | 10.70% | — |
| 3 | Easy Street Capital LLC | 3 | 10.90% | — |
| 4 | SouthState Bank, N.A. | 1 | — | 14 |
| 5 | Colony Bank | 1 | — | 3 |
| 6 | First Community Bank | 1 | — | 2 |
| 7 | SRP Federal Credit Union | 1 | — | 1 |
DSCR / long-term rental lenders in Columbia 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 Columbia County in 2024 verified lending records — 29 loans totaling $5.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Columbia County's active lenders was 10.70% in 2024, with per-lender medians ranging from 8.26% to 10.90%. 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.