Private & Hard Money Lenders in Madison County, MS
13 lenders funded 64 short-term investment-property loans in Madison County in 2024 at a median rate of 8.90%. Ranked by verified loan volume — not paid placement.
Madison County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Community Bank of Mississippi | 24 | 8.90% | 13 |
| 2 | BANKPLUS | 19 | 8.50% | 17 |
| 3 | BankFirst Financial Services | 6 | 8.00% | 7 |
| 4 | TRUSTMARK NATIONAL BANK | 4 | 9.00% | 8 |
| 5 | Cadence Bank | 2 | — | 2 |
| 6 | PriorityOne Bank | 2 | — | — |
| 7 | RENASANT BANK | 1 | — | 4 |
| 8 | HANCOCK WHITNEY BANK | 1 | — | 2 |
| 9 | Citizens National Bank of Meridian | 1 | — | 1 |
| 10 | Loan Funder LLC | 1 | — | 1 |
| 11 | ORIGIN BANK | 1 | — | 1 |
| 12 | Dominion Financial Services, LLC | 1 | — | — |
| 13 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | — |
DSCR / long-term rental lenders in Madison 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
13 lenders reported short-term, business-purpose investment loans in Madison County in 2024 verified lending records — 64 loans totaling $17.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Madison County's active lenders was 8.90% 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.