Private & Hard Money Lenders in Sumner County, TN
19 lenders funded 67 short-term investment-property loans in Sumner County in 2024 at a median rate of 9.45%. Ranked by verified loan volume — not paid placement.
Sumner County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | The Farmers Bank | 25 | 8.25% | 30 |
| 2 | First National Bank | 10 | 9.00% | 18 |
| 3 | CITIZENS BANK | 6 | 9.45% | 14 |
| 4 | KIAVI FUNDING, INC. | 5 | 11.70% | 1 |
| 5 | FIRSTBANK | 3 | 8.25% | 7 |
| 6 | 212 Loans, LLC | 3 | 11.99% | — |
| 7 | F&M Bank | 2 | — | 2 |
| 8 | BANKPLUS | 2 | — | — |
| 9 | SIMMONS BANK | 1 | — | 4 |
| 10 | American Heritage Lending, LLC | 1 | — | 3 |
| 11 | EDMONTON STATE BANK | 1 | — | 3 |
| 12 | Loan Funder LLC | 1 | — | 2 |
| 13 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 14 | Easy Street Capital LLC | 1 | — | — |
| 15 | LendingOne LLC | 1 | — | — |
| 16 | RF Renovo Management Company, LLC | 1 | — | — |
| 17 | RPE Home, Inc | 1 | — | — |
| 18 | SouthEast Bank | 1 | — | — |
| 19 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Sumner 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
19 lenders reported short-term, business-purpose investment loans in Sumner County in 2024 verified lending records — 67 loans totaling $26.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Sumner County's active lenders was 9.45% in 2024, with per-lender medians ranging from 8.25% 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.