Private & Hard Money Lenders in Pontotoc County, MS
5 lenders funded 13 short-term investment-property loans in Pontotoc County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Pontotoc County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | RENASANT BANK | 5 | 8.50% | 7 |
| 2 | Cadence Bank | 4 | 9.00% | 2 |
| 3 | BankFirst Financial Services | 2 | — | 3 |
| 4 | BANKPLUS | 1 | — | 1 |
| 5 | Community Bank of Mississippi | 1 | — | — |
Frequently asked questions
5 lenders reported short-term, business-purpose investment loans in Pontotoc County in 2024 verified lending records — 13 loans totaling $1.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pontotoc County's active lenders was 9.00% in 2024, with per-lender medians ranging from 8.50% 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.