Private & Hard Money Lenders in Arkansas
55 lenders funded 2,329 short-term investment-property loans ($662M) across Arkansas in 2024, at a median note rate of 8.79%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in Arkansas by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | First Security Bank | 338 | 8.75% |
| 2 | First Community Bank | 319 | 9.00% |
| 3 | ARVEST BANK | 293 | 8.50% |
| 4 | SIMMONS BANK | 211 | 8.63% |
| 5 | Southern Bank | 122 | 8.00% |
| 6 | Centennial Bank | 97 | 9.00% |
| 7 | The Farmers & Merchants Bank | 82 | 8.90% |
| 8 | Equity Bank | 78 | 8.46% |
| 9 | First Arkansas Bank and Trust | 70 | 8.95% |
| 10 | Chambers Bank | 67 | 8.24% |
Arkansas hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Pulaski County
31 lenders · 348 loans
Washington County
24 lenders · 207 loans
Benton County
26 lenders · 180 loans
Craighead County
14 lenders · 176 loans
Faulkner County
14 lenders · 164 loans
White County
11 lenders · 131 loans
Sebastian County
14 lenders · 109 loans
Saline County
20 lenders · 86 loans
Lonoke County
13 lenders · 76 loans
Garland County
19 lenders · 63 loans
Independence County
6 lenders · 59 loans
Greene County
10 lenders · 57 loans
Boone County
3 lenders · 44 loans
Carroll County
7 lenders · 41 loans
Baxter County
10 lenders · 39 loans
Pope County
7 lenders · 37 loans
Crawford County
11 lenders · 31 loans
Johnson County
5 lenders · 31 loans
Poinsett County
7 lenders · 31 loans
Cleburne County
10 lenders · 28 loans
Conway County
7 lenders · 27 loans
Jefferson County
5 lenders · 24 loans
Clark County
8 lenders · 21 loans
Union County
4 lenders · 21 loans
Arkansas County
4 lenders · 19 loans
Miller County
5 lenders · 18 loans
Sharp County
7 lenders · 18 loans
Hot Spring County
8 lenders · 16 loans
Jackson County
5 lenders · 15 loans
Clay County
6 lenders · 14 loans
Randolph County
3 lenders · 14 loans
Van Buren County
7 lenders · 13 loans
Yell County
4 lenders · 13 loans
Lawrence County
6 lenders · 11 loans
Ouachita County
5 lenders · 11 loans
Marion County
4 lenders · 10 loans
Madison County
3 lenders · 9 loans
Perry County
5 lenders · 9 loans
Franklin County
7 lenders · 8 loans
Grant County
5 lenders · 8 loans
Prairie County
4 lenders · 7 loans
Mississippi County
4 lenders · 6 loans
Stone County
4 lenders · 6 loans
Fulton County
4 lenders · 5 loans
Searcy County
3 lenders · 4 loans
Chicot County
3 lenders · 3 loans
Limited 2024 activity (1–2 reporting lenders): Newton County, Crittenden County, Drew County, Montgomery County, Sevier County, Ashley County, Columbia County, Izard County, Logan County, Pike County, Cross County, Hempstead County, Howard County, Monroe County, Nevada County, Polk County, Scott County, Woodruff County, Bradley County, Calhoun County, Little River County, Phillips County. These counties are typically served by the statewide lenders above.