Private & Hard Money Lenders in Cleveland County, OK
19 lenders funded 112 short-term investment-property loans in Cleveland County in 2024 at a median rate of 8.69%. Ranked by verified loan volume — not paid placement.
Cleveland County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | BANCFIRST | 29 | 8.00% | 46 |
| 2 | MidFirst Bank | 25 | 7.82% | 15 |
| 3 | KIAVI FUNDING, INC. | 17 | 11.75% | 15 |
| 4 | FIRST UNITED BANK AND TRUST CO | 13 | 8.69% | 70 |
| 5 | Armstrong Bank | 6 | 8.52% | 20 |
| 6 | ARVEST BANK | 3 | 8.00% | 11 |
| 7 | SOVEREIGN BANK | 3 | 9.50% | 8 |
| 8 | PROSPERITY BANK | 3 | 9.00% | 1 |
| 9 | Great Plains National Bank | 2 | — | 11 |
| 10 | THE CENTRAL TRUST BANK | 2 | — | 5 |
| 11 | RF Renovo Management Company, LLC | 1 | — | 4 |
| 12 | Mabrey Bank | 1 | — | 1 |
| 13 | RCB BANK | 1 | — | 1 |
| 14 | Easy Street Capital LLC | 1 | — | — |
| 15 | Equity Bank | 1 | — | — |
| 16 | Metropolitan Life Insurance Co | 1 | — | — |
| 17 | NorthMarq Capital Finance, L.L.C. | 1 | — | — |
| 18 | SIMMONS BANK | 1 | — | — |
| 19 | TINKER FEDERAL CREDIT UNION | 1 | — | — |
DSCR / long-term rental lenders in Cleveland 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
19 lenders reported short-term, business-purpose investment loans in Cleveland County in 2024 verified lending records — 112 loans totaling $65.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Cleveland County's active lenders was 8.69% in 2024, with per-lender medians ranging from 7.82% to 11.75%. 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.