Private & Hard Money Lenders in Tennessee
98 lenders funded 1,812 short-term investment-property loans ($973M) across Tennessee in 2024, at a median note rate of 9.00%. Ranked by verified loan volume — not paid placement.
Top 10 hard money lenders in Tennessee by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 428 | 11.24% |
| 2 | FIRSTBANK | 134 | 8.50% |
| 3 | Easy Street Capital LLC | 82 | 10.90% |
| 4 | Loan Funder LLC | 74 | 11.44% |
| 5 | ABL RPC Residential Credit Acquisition LLC | 72 | 13.13% |
| 6 | SIMMONS BANK | 72 | 8.65% |
| 7 | The Farmers Bank | 66 | 8.50% |
| 8 | Cadence Bank | 59 | 9.00% |
| 9 | F&M Bank | 42 | 8.00% |
| 10 | CITIZENS BANK | 41 | 8.75% |
Tennessee hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Limited 2024 activity (1–2 reporting lenders): Henderson County, Marshall County, Sequatchie County, White County, Overton County, Clay County, Grainger County, McNairy County, Meigs County, Chester County, Decatur County, Grundy County, Hardin County, Hawkins County, Henry County, Jackson County, Lawrence County, Moore County, Union County, Warren County, Benton County, Bledsoe County, Campbell County, Crockett County, Fentress County, Hardeman County, Houston County, Lewis County, Morgan County, Perry County, Pickett County, Polk County, Stewart County. These counties are typically served by the statewide lenders above.