Private & Hard Money Lenders in Clay County, AR
6 lenders funded 14 short-term investment-property loans in Clay County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Clay County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Southern Bank | 5 | 8.00% | — |
| 2 | SIMMONS BANK | 4 | 7.25% | — |
| 3 | First National Bank | 2 | — | 15 |
| 4 | Centennial Bank | 1 | — | — |
| 5 | FIRST CITIZENS NATIONAL BANK | 1 | — | — |
| 6 | SULLIVAN BANK | 1 | — | — |
Frequently asked questions
6 lenders reported short-term, business-purpose investment loans in Clay County in 2024 verified lending records — 14 loans totaling $1.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Clay County's active lenders was 8.00% in 2024, with per-lender medians ranging from 7.25% to 8.00%. 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.