Private & Hard Money Lenders in Smith County, TN
4 lenders funded 4 short-term investment-property loans in Smith County in 2024. Ranked by verified loan volume — not paid placement.
Smith County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | CITIZENS BANK | 1 | — | 7 |
| 2 | Wilson Bank and Trust | 1 | — | 1 |
| 3 | SOUTH CENTRAL BANK INC | 1 | — | — |
| 4 | The Farmers Bank | 1 | — | — |
DSCR / long-term rental lenders in Smith 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
4 lenders reported short-term, business-purpose investment loans in Smith County in 2024 verified lending records — 4 loans totaling $800,000. Smaller local lenders below public reporting thresholds may also operate here.
Not enough loans in 2024 filings carried a disclosed rate to publish a reliable figure for Smith County.
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.