Private & Hard Money Lenders in Benton County, AR
26 lenders funded 180 short-term investment-property loans in Benton County in 2024 at a median rate of 8.71%. Ranked by verified loan volume — not paid placement.
Benton County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | ARVEST BANK | 50 | 8.50% | 121 |
| 2 | Generations Bank | 24 | 8.75% | 5 |
| 3 | First National Bank of Fort Smith | 16 | 8.50% | 10 |
| 4 | Chambers Bank | 15 | 8.49% | 1 |
| 5 | Equity Bank | 15 | 8.71% | 1 |
| 6 | First Security Bank | 10 | 8.75% | 2 |
| 7 | United Bank | 7 | 8.90% | 13 |
| 8 | Priority Bank | 5 | 8.00% | 3 |
| 9 | SIMMONS BANK | 5 | 8.54% | 1 |
| 10 | Firstar Bank | 5 | 8.75% | — |
| 11 | Cadence Bank | 4 | 9.00% | 6 |
| 12 | Evolve Bank & Trust | 3 | 7.75% | 2 |
| 13 | THE CITIZENS BANK | 2 | — | 12 |
| 14 | Centennial Bank | 2 | — | 6 |
| 15 | INTRUST BANK, NA | 2 | — | 3 |
| 16 | First Community Bank | 2 | — | 2 |
| 17 | Merchants Bank of Indiana | 2 | — | — |
| 18 | Temple View Capital Funding LP | 2 | — | — |
| 19 | The Farmers & Merchants Bank | 2 | — | — |
| 20 | Armstrong Bank | 1 | — | 15 |
| 21 | Encore Bank | 1 | — | 1 |
| 22 | First National Bank | 1 | — | 1 |
| 23 | Dominion Financial Services, LLC | 1 | — | — |
| 24 | Guaranty Bank | 1 | — | — |
| 25 | KIAVI FUNDING, INC. | 1 | — | — |
| 26 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Benton 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
26 lenders reported short-term, business-purpose investment loans in Benton County in 2024 verified lending records — 180 loans totaling $140.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Benton County's active lenders was 8.71% in 2024, with per-lender medians ranging from 7.75% 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.