Private & Hard Money Lenders in Montgomery County, TN
11 lenders funded 53 short-term investment-property loans in Montgomery County in 2024 at a median rate of 10.90%. Ranked by verified loan volume — not paid placement.
Montgomery County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 13 | 11.24% | 4 |
| 2 | F&M Bank | 12 | 8.00% | 43 |
| 3 | FIRST FEDERAL BANK | 12 | 8.25% | — |
| 4 | LEGENDS BANK | 5 | 8.75% | 13 |
| 5 | Easy Street Capital LLC | 3 | 10.90% | — |
| 6 | Loan Funder LLC | 3 | 11.25% | — |
| 7 | FORTERA FEDERAL CREDIT UNION | 1 | — | 22 |
| 8 | FIRSTBANK | 1 | — | 3 |
| 9 | Bank Independent | 1 | — | — |
| 10 | FIRST CITIZENS NATIONAL BANK | 1 | — | — |
| 11 | Old National Bank | 1 | — | — |
DSCR / long-term rental lenders in Montgomery 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
11 lenders reported short-term, business-purpose investment loans in Montgomery County in 2024 verified lending records — 53 loans totaling $17.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Montgomery County's active lenders was 10.90% in 2024, with per-lender medians ranging from 8.00% to 11.25%. 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.