Private & Hard Money Lenders in Bedford County, TN
9 lenders funded 26 short-term investment-property loans in Bedford County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Bedford County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | HERITAGE SOUTH COMMUNITY CREDI | 11 | 8.50% | 12 |
| 2 | FIRSTBANK | 5 | 8.50% | 8 |
| 3 | KIAVI FUNDING, INC. | 4 | 11.74% | — |
| 4 | FARM CREDIT MID-AMERICA, ACA | 1 | — | 2 |
| 5 | FIRST NATIONAL BANK OF MIDDLE TENNESSEE | 1 | — | 2 |
| 6 | Wilson Bank and Trust | 1 | — | 1 |
| 7 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 8 | CITIZENS BANK | 1 | — | — |
| 9 | Dominion Financial Services, LLC | 1 | — | — |
DSCR / long-term rental lenders in Bedford 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
9 lenders reported short-term, business-purpose investment loans in Bedford County in 2024 verified lending records — 26 loans totaling $6.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Bedford County's active lenders was 8.50% in 2024, with per-lender medians ranging from 8.50% to 11.74%. 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.