Private & Hard Money Lenders in Wilson County, TN
11 lenders funded 21 short-term investment-property loans in Wilson County in 2024 at a median rate of 8.95%. Ranked by verified loan volume — not paid placement.
Wilson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Wilson Bank and Trust | 4 | 9.00% | 30 |
| 2 | CITIZENS BANK | 3 | 8.95% | 10 |
| 3 | RENASANT BANK | 3 | 8.75% | 1 |
| 4 | ABL RPC Residential Credit Acquisition LLC | 2 | — | — |
| 5 | Easy Street Capital LLC | 2 | — | — |
| 6 | KIAVI FUNDING, INC. | 2 | — | — |
| 7 | Pinnacle Bank | 1 | — | 1 |
| 8 | The Farmers Bank | 1 | — | 1 |
| 9 | Conventus Lending LLC | 1 | — | — |
| 10 | Loan Funder LLC | 1 | — | — |
| 11 | SOUTH CENTRAL BANK INC | 1 | — | — |
DSCR / long-term rental lenders in Wilson 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 Wilson County in 2024 verified lending records — 21 loans totaling $8.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Wilson County's active lenders was 8.95% in 2024, with per-lender medians ranging from 8.75% 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.