Private & Hard Money Lenders in Coffee County, TN
8 lenders funded 21 short-term investment-property loans in Coffee County in 2024 at a median rate of 8.45%. Ranked by verified loan volume — not paid placement.
Coffee County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FIRSTBANK | 11 | 8.00% | 8 |
| 2 | CITIZENS TRI COUNTY BANK | 3 | 8.45% | 3 |
| 3 | CITIZENS BANK | 2 | — | 7 |
| 4 | FIRST NATIONAL BANK OF MIDDLE TENNESSEE | 1 | — | — |
| 5 | HERITAGE SOUTH COMMUNITY CREDI | 1 | — | — |
| 6 | Investmark Mortgage LLC | 1 | — | — |
| 7 | SmartBank | 1 | — | — |
| 8 | Wilson Bank and Trust | 1 | — | — |
DSCR / long-term rental lenders in Coffee 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
8 lenders reported short-term, business-purpose investment loans in Coffee County in 2024 verified lending records — 21 loans totaling $4.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Coffee County's active lenders was 8.45% in 2024, with per-lender medians ranging from 8.00% to 8.45%. 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.