Private & Hard Money Lenders in Knox County, TN
28 lenders funded 134 short-term investment-property loans in Knox County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Knox County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 44 | 10.99% | 6 |
| 2 | Loan Funder LLC | 12 | 11.99% | 1 |
| 3 | LendingOne LLC | 10 | 10.00% | 9 |
| 4 | LIMA ONE CAPITAL, LLC | 9 | 11.30% | 1 |
| 5 | SouthEast Bank | 7 | 8.50% | 8 |
| 6 | Easy Street Capital LLC | 7 | 10.90% | — |
| 7 | RENASANT BANK | 5 | 8.00% | 3 |
| 8 | Conventus Lending LLC | 5 | 10.99% | 1 |
| 9 | SmartBank | 4 | 8.50% | 4 |
| 10 | Community Trust Bank, Inc. | 4 | 8.50% | 2 |
| 11 | Dominion Financial Services, LLC | 4 | 11.00% | 2 |
| 12 | Pinnacle Bank | 3 | 8.50% | 9 |
| 13 | Merchants Mortgage & Trust Corporation | 3 | 11.25% | — |
| 14 | Temple View Capital Funding LP | 2 | — | 4 |
| 15 | SIMMONS BANK | 2 | — | — |
| 16 | HOME FEDERAL BANK OF TENNESSEE | 1 | — | 17 |
| 17 | ORNL FEDERAL CREDIT UNION | 1 | — | 9 |
| 18 | FIRSTBANK | 1 | — | 8 |
| 19 | BANK OF TENNESSEE | 1 | — | 4 |
| 20 | US BANK, N.A. | 1 | — | 2 |
| 21 | REGIONS BANK | 1 | — | 1 |
| 22 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 23 | CONSUMER CREDIT UNION | 1 | — | — |
| 24 | Investmark Mortgage LLC | 1 | — | — |
| 25 | Morton Community Bank | 1 | — | — |
| 26 | RPE Home, Inc | 1 | — | — |
| 27 | Secured Investment Corp | 1 | — | — |
| 28 | UNITED COMMUNITY BANK | 1 | — | — |
DSCR / long-term rental lenders in Knox 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
28 lenders reported short-term, business-purpose investment loans in Knox County in 2024 verified lending records — 134 loans totaling $132.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Knox County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.00% to 11.99%. 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.