Private & Hard Money Lenders in Madison County, TN
7 lenders funded 29 short-term investment-property loans in Madison County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Madison County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SIMMONS BANK | 12 | 8.50% | 4 |
| 2 | Cadence Bank | 8 | 9.00% | 8 |
| 3 | FIRSTBANK | 3 | 9.00% | 7 |
| 4 | FIRST CITIZENS NATIONAL BANK | 2 | — | 17 |
| 5 | KIAVI FUNDING, INC. | 2 | — | — |
| 6 | THE BANK OF FAYETTE COUNTY | 1 | — | 1 |
| 7 | Community Bank of Mississippi | 1 | — | — |
DSCR / long-term rental lenders in Madison 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
7 lenders reported short-term, business-purpose investment loans in Madison County in 2024 verified lending records — 29 loans totaling $10.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Madison County's active lenders was 9.00% in 2024, with per-lender medians ranging from 8.50% to 9.00%. 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.