Private & Hard Money Lenders in Hamilton County, TN
26 lenders funded 155 short-term investment-property loans in Hamilton County in 2024 at a median rate of 9.50%. Ranked by verified loan volume — not paid placement.
Hamilton County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 67 | 11.24% | 26 |
| 2 | TENNESSEE VALLEY FEDERAL C U | 11 | 7.25% | 26 |
| 3 | Loan Funder LLC | 11 | 12.00% | 10 |
| 4 | SouthEast Bank | 10 | 9.00% | 10 |
| 5 | Easy Street Capital LLC | 7 | 10.90% | — |
| 6 | LIMA ONE CAPITAL, LLC | 5 | 10.80% | 4 |
| 7 | Cadence Bank | 4 | 9.00% | 9 |
| 8 | LendingOne LLC | 4 | 11.24% | 9 |
| 9 | American Heritage Lending, LLC | 4 | 11.63% | 6 |
| 10 | FIRST CITIZENS NATIONAL BANK | 4 | 9.50% | 6 |
| 11 | SmartBank | 4 | 8.43% | 3 |
| 12 | CITIZENS TRI COUNTY BANK | 3 | 7.79% | 14 |
| 13 | Pinnacle Bank | 3 | 8.50% | 12 |
| 14 | Old National Bank | 3 | 8.09% | 4 |
| 15 | RF Renovo Management Company, LLC | 2 | — | 1 |
| 16 | Arixa Enhanced Income Fund, LP | 2 | — | — |
| 17 | RENASANT BANK | 2 | — | — |
| 18 | FIRSTBANK | 1 | — | 45 |
| 19 | Conventus Lending LLC | 1 | — | 1 |
| 20 | UNITED COMMUNITY BANK | 1 | — | 1 |
| 21 | BANK OZK | 1 | — | — |
| 22 | F&M Bank | 1 | — | — |
| 23 | FARMERS BANK & TRUST | 1 | — | — |
| 24 | First Farmers and Merchants Bank | 1 | — | — |
| 25 | RPE Home, Inc | 1 | — | — |
| 26 | SIMMONS BANK | 1 | — | — |
DSCR / long-term rental lenders in Hamilton 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
26 lenders reported short-term, business-purpose investment loans in Hamilton County in 2024 verified lending records — 155 loans totaling $60.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Hamilton County's active lenders was 9.50% in 2024, with per-lender medians ranging from 7.25% to 12.00%. 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.