Private & Hard Money Lenders in Washington County, AR
24 lenders funded 207 short-term investment-property loans in Washington County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Washington County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | ARVEST BANK | 88 | 8.00% | 81 |
| 2 | SIMMONS BANK | 18 | 8.00% | — |
| 3 | First Security Bank | 14 | 8.75% | 4 |
| 4 | The Farmers & Merchants Bank | 13 | 8.59% | 4 |
| 5 | First National Bank of Fort Smith | 10 | 8.25% | 10 |
| 6 | Chambers Bank | 9 | 8.03% | — |
| 7 | First Community Bank | 7 | 8.75% | 2 |
| 8 | Centennial Bank | 6 | 8.95% | 8 |
| 9 | First National Bank | 6 | 9.00% | 5 |
| 10 | Priority Bank | 5 | 8.99% | 2 |
| 11 | Equity Bank | 5 | 8.24% | — |
| 12 | Firstar Bank | 5 | 8.50% | — |
| 13 | United Bank | 3 | 8.79% | 14 |
| 14 | Generations Bank | 3 | 8.00% | 4 |
| 15 | THE CITIZENS BANK | 3 | 8.50% | 3 |
| 16 | Guaranty Bank | 3 | 8.25% | — |
| 17 | Armstrong Bank | 2 | — | 13 |
| 18 | BANK OZK | 1 | — | 2 |
| 19 | Southern Bank | 1 | — | 1 |
| 20 | First Arkansas Bank and Trust | 1 | — | — |
| 21 | KIAVI FUNDING, INC. | 1 | — | — |
| 22 | LendingOne LLC | 1 | — | — |
| 23 | REGIONS BANK | 1 | — | — |
| 24 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Washington 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
24 lenders reported short-term, business-purpose investment loans in Washington County in 2024 verified lending records — 207 loans totaling $96.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Washington 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.