Private & Hard Money Lenders in Lafayette County, MS
9 lenders funded 66 short-term investment-property loans in Lafayette County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Lafayette County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | BankFirst Financial Services | 27 | 8.75% | 34 |
| 2 | BANKPLUS | 15 | 8.50% | 36 |
| 3 | RENASANT BANK | 11 | 8.00% | 8 |
| 4 | Planters Bank and Trust Company | 5 | 8.50% | 3 |
| 5 | Community Bank of Mississippi | 3 | 8.50% | 5 |
| 6 | The First Bank | 2 | — | — |
| 7 | Cadence Bank | 1 | — | 6 |
| 8 | ORIGIN BANK | 1 | — | 4 |
| 9 | Carrollton Bank | 1 | — | — |
DSCR / long-term rental lenders in Lafayette 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
9 lenders reported short-term, business-purpose investment loans in Lafayette County in 2024 verified lending records — 66 loans totaling $20.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lafayette County's active lenders was 8.50% in 2024, with per-lender medians ranging from 8.00% to 8.75%. 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.