Private & Hard Money Lenders in Sebastian County, AR
14 lenders funded 109 short-term investment-property loans in Sebastian County in 2024 at a median rate of 8.51%. Ranked by verified loan volume — not paid placement.
Sebastian County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | First National Bank of Fort Smith | 17 | 8.25% | 15 |
| 2 | Chambers Bank | 14 | 8.23% | 7 |
| 3 | ARVEST BANK | 12 | 8.50% | 19 |
| 4 | First Community Bank | 12 | 8.75% | 1 |
| 5 | Armstrong Bank | 11 | 8.51% | 21 |
| 6 | First Security Bank | 10 | 8.62% | 2 |
| 7 | Firstar Bank | 9 | 8.50% | 41 |
| 8 | Generations Bank | 7 | 8.75% | — |
| 9 | Cadence Bank | 6 | 9.00% | 7 |
| 10 | United Bank | 4 | 8.20% | 1 |
| 11 | SIMMONS BANK | 3 | 8.65% | 1 |
| 12 | ARKANSAS FEDERAL CREDIT UNION | 2 | — | 1 |
| 13 | KIAVI FUNDING, INC. | 1 | — | 1 |
| 14 | SOUTHERN BANCORP BANK | 1 | — | — |
DSCR / long-term rental lenders in Sebastian 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
14 lenders reported short-term, business-purpose investment loans in Sebastian County in 2024 verified lending records — 109 loans totaling $24.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Sebastian County's active lenders was 8.51% in 2024, with per-lender medians ranging from 8.20% 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.