Private & Hard Money Lenders in Pulaski County, AR
31 lenders funded 348 short-term investment-property loans in Pulaski County in 2024 at a median rate of 8.95%. Ranked by verified loan volume — not paid placement.
Pulaski County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | First Security Bank | 70 | 8.95% | 5 |
| 2 | First Community Bank | 48 | 9.00% | 12 |
| 3 | ARKANSAS FEDERAL CREDIT UNION | 37 | 9.25% | 13 |
| 4 | KIAVI FUNDING, INC. | 23 | 11.49% | 9 |
| 5 | First Arkansas Bank and Trust | 21 | 8.95% | 3 |
| 6 | Southern Bank | 20 | 8.00% | 2 |
| 7 | ARVEST BANK | 17 | 8.50% | 25 |
| 8 | Centennial Bank | 15 | 8.75% | 8 |
| 9 | Eagle Bank and Trust Company | 14 | 8.25% | 14 |
| 10 | THE CITIZENS BANK | 13 | 9.00% | 1 |
| 11 | Central Bank | 11 | 8.50% | 23 |
| 12 | Cadence Bank | 9 | 9.00% | 15 |
| 13 | SIMMONS BANK | 9 | 8.75% | 3 |
| 14 | BANK OZK | 8 | 8.50% | 48 |
| 15 | SOUTHERN BANCORP BANK | 6 | 8.95% | 7 |
| 16 | First National Bank | 3 | 9.50% | 1 |
| 17 | Easy Street Capital LLC | 3 | 10.90% | — |
| 18 | RF Renovo Management Company, LLC | 3 | 9.75% | — |
| 19 | Loan Funder LLC | 2 | — | 10 |
| 20 | Encore Bank | 2 | — | 9 |
| 21 | RPE Home, Inc | 2 | — | — |
| 22 | Secured Investment Corp | 2 | — | — |
| 23 | The Farmers & Merchants Bank | 2 | — | — |
| 24 | LIMA ONE CAPITAL, LLC | 1 | — | 7 |
| 25 | BANK OF ENGLAND | 1 | — | 5 |
| 26 | US BANK, N.A. | 1 | — | 4 |
| 27 | LendingOne LLC | 1 | — | 1 |
| 28 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 1 |
| 29 | FARMERS BANK & TRUST | 1 | — | — |
| 30 | First National Bank of Fort Smith | 1 | — | — |
| 31 | Guaranty Bank | 1 | — | — |
DSCR / long-term rental lenders in Pulaski 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
31 lenders reported short-term, business-purpose investment loans in Pulaski County in 2024 verified lending records — 348 loans totaling $135.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pulaski County's active lenders was 8.95% in 2024, with per-lender medians ranging from 8.00% to 11.49%. 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.