Private & Hard Money Lenders in Rankin County, MS
14 lenders funded 117 short-term investment-property loans in Rankin County in 2024 at a median rate of 8.90%. Ranked by verified loan volume — not paid placement.
Rankin County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Community Bank of Mississippi | 62 | 8.90% | 45 |
| 2 | BANKPLUS | 17 | 8.63% | 5 |
| 3 | BankFirst Financial Services | 7 | 8.50% | 14 |
| 4 | TRUSTMARK NATIONAL BANK | 7 | 8.75% | 9 |
| 5 | Cadence Bank | 6 | 9.00% | 11 |
| 6 | LIMA ONE CAPITAL, LLC | 4 | 9.90% | — |
| 7 | PriorityOne Bank | 3 | 9.50% | 5 |
| 8 | ORIGIN BANK | 3 | 8.50% | 3 |
| 9 | RENASANT BANK | 2 | — | 7 |
| 10 | HANCOCK WHITNEY BANK | 2 | — | — |
| 11 | LendingOne LLC | 1 | — | 2 |
| 12 | KS StateBank | 1 | — | — |
| 13 | Loan Funder LLC | 1 | — | — |
| 14 | SOUTHERN BANCORP BANK | 1 | — | — |
DSCR / long-term rental lenders in Rankin 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
14 lenders reported short-term, business-purpose investment loans in Rankin County in 2024 verified lending records — 117 loans totaling $22.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Rankin County's active lenders was 8.90% in 2024, with per-lender medians ranging from 8.50% to 9.90%. 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.