Private & Hard Money Lenders in Garland County, AR
19 lenders funded 63 short-term investment-property loans in Garland County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Garland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | First Security Bank | 10 | 8.50% | 4 |
| 2 | SOUTHERN BANCORP BANK | 9 | 8.50% | 69 |
| 3 | ARVEST BANK | 8 | 8.50% | 6 |
| 4 | Chambers Bank | 6 | 8.00% | 1 |
| 5 | First Community Bank | 5 | 8.99% | 1 |
| 6 | BANK OZK | 3 | 8.11% | 8 |
| 7 | Cadence Bank | 3 | 8.50% | 4 |
| 8 | ARKANSAS FEDERAL CREDIT UNION | 3 | 9.00% | — |
| 9 | SIMMONS BANK | 3 | 8.00% | — |
| 10 | Centennial Bank | 2 | — | — |
| 11 | KIAVI FUNDING, INC. | 2 | — | — |
| 12 | Secured Investment Corp | 2 | — | — |
| 13 | THE CITIZENS BANK | 1 | — | 6 |
| 14 | BPL Mortgage, LLC | 1 | — | 1 |
| 15 | First National Bank | 1 | — | 1 |
| 16 | BANK OF ENGLAND | 1 | — | — |
| 17 | Community Bank of Mississippi | 1 | — | — |
| 18 | FARMERS BANK & TRUST | 1 | — | — |
| 19 | Southern Bank | 1 | — | — |
DSCR / long-term rental lenders in Garland 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 Garland County in 2024 verified lending records — 63 loans totaling $12.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Garland County's active lenders was 8.50% in 2024, with per-lender medians ranging from 8.00% 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.