Private & Hard Money Lenders in Lonoke County, AR
13 lenders funded 76 short-term investment-property loans in Lonoke County in 2024 at a median rate of 8.95%. Ranked by verified loan volume — not paid placement.
Lonoke County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | First Community Bank | 18 | 9.25% | 1 |
| 2 | First Arkansas Bank and Trust | 16 | 8.95% | — |
| 3 | First Security Bank | 9 | 8.75% | 3 |
| 4 | Centennial Bank | 7 | 8.50% | 1 |
| 5 | Southern Bank | 7 | 8.00% | — |
| 6 | BANK OZK | 6 | 8.60% | 6 |
| 7 | ARKANSAS FEDERAL CREDIT UNION | 4 | 9.25% | 2 |
| 8 | Cadence Bank | 3 | 9.00% | 3 |
| 9 | BANK OF ENGLAND | 2 | — | 5 |
| 10 | ARVEST BANK | 1 | — | — |
| 11 | First National Bank | 1 | — | — |
| 12 | SIMMONS BANK | 1 | — | — |
| 13 | The Farmers & Merchants Bank | 1 | — | — |
DSCR / long-term rental lenders in Lonoke 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
13 lenders reported short-term, business-purpose investment loans in Lonoke County in 2024 verified lending records — 76 loans totaling $14.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lonoke County's active lenders was 8.95% in 2024, with per-lender medians ranging from 8.00% to 9.25%. 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.