Private & Hard Money Lenders in Lowndes County, MS
5 lenders funded 43 short-term investment-property loans in Lowndes County in 2024 at a median rate of 8.89%. Ranked by verified loan volume — not paid placement.
Lowndes County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | BankFirst Financial Services | 26 | 8.89% | 19 |
| 2 | RENASANT BANK | 9 | 8.50% | 13 |
| 3 | Cadence Bank | 5 | 9.50% | 5 |
| 4 | TRUSTMARK NATIONAL BANK | 2 | — | — |
| 5 | The First Bank | 1 | — | — |
DSCR / long-term rental lenders in Lowndes 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
5 lenders reported short-term, business-purpose investment loans in Lowndes County in 2024 verified lending records — 43 loans totaling $11.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Lowndes County's active lenders was 8.89% in 2024, with per-lender medians ranging from 8.50% to 9.50%. 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.