Private & Hard Money Lenders in White County, AR
11 lenders funded 131 short-term investment-property loans in White County in 2024 at a median rate of 9.01%. Ranked by verified loan volume — not paid placement.
White County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | First Security Bank | 50 | 8.95% | 14 |
| 2 | First Community Bank | 42 | 9.15% | 2 |
| 3 | SIMMONS BANK | 13 | 8.00% | 1 |
| 4 | Southern Bank | 8 | 8.00% | 4 |
| 5 | Centennial Bank | 8 | 9.01% | 1 |
| 6 | KIAVI FUNDING, INC. | 4 | 11.25% | — |
| 7 | First Arkansas Bank and Trust | 2 | — | — |
| 8 | THE CITIZENS BANK | 1 | — | 1 |
| 9 | ARKANSAS FEDERAL CREDIT UNION | 1 | — | — |
| 10 | First National Bank | 1 | — | — |
| 11 | LendingOne LLC | 1 | — | — |
DSCR / long-term rental lenders in White 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
11 lenders reported short-term, business-purpose investment loans in White County in 2024 verified lending records — 131 loans totaling $18.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across White County's active lenders was 9.01% in 2024, with per-lender medians ranging from 8.00% to 11.25%. 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.