Private & Hard Money Lenders in Oklahoma County, OK
35 lenders funded 364 short-term investment-property loans in Oklahoma County in 2024 at a median rate of 9.00%. Ranked by verified loan volume — not paid placement.
Oklahoma County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | BANCFIRST | 111 | 8.25% | 181 |
| 2 | THE CENTRAL TRUST BANK | 51 | 7.75% | 32 |
| 3 | KIAVI FUNDING, INC. | 39 | 11.95% | 85 |
| 4 | FIRST UNITED BANK AND TRUST CO | 31 | 8.75% | 112 |
| 5 | SOVEREIGN BANK | 18 | 8.50% | 36 |
| 6 | Armstrong Bank | 15 | 9.16% | 21 |
| 7 | TINKER FEDERAL CREDIT UNION | 12 | 7.75% | 4 |
| 8 | ARVEST BANK | 10 | 9.00% | 29 |
| 9 | Great Plains National Bank | 10 | 9.50% | 26 |
| 10 | RF Renovo Management Company, LLC | 9 | 10.25% | 20 |
| 11 | F&M BANK | 7 | 9.50% | 55 |
| 12 | 212 Loans, LLC | 7 | 11.99% | — |
| 13 | Mabrey Bank | 5 | 8.25% | 5 |
| 14 | Equity Bank | 5 | 8.43% | 1 |
| 15 | MidFirst Bank | 4 | 7.83% | 52 |
| 16 | PROSPERITY BANK | 3 | 9.00% | 26 |
| 17 | RCB BANK | 3 | 9.00% | 4 |
| 18 | RPE Home, Inc | 3 | 12.00% | — |
| 19 | Loan Funder LLC | 2 | — | 10 |
| 20 | INTERBANK | 2 | — | 8 |
| 21 | LIMA ONE CAPITAL, LLC | 2 | — | 4 |
| 22 | Easy Street Capital LLC | 2 | — | — |
| 23 | Stride Bank, National Association | 1 | — | 34 |
| 24 | WEOKIE Federal Credit Union | 1 | — | 15 |
| 25 | Vision Bank | 1 | — | 14 |
| 26 | Oklahoma's Credit Union | 1 | — | 13 |
| 27 | First Ciitizens Bank and Trust | 1 | — | 4 |
| 28 | American Heritage Lending, LLC | 1 | — | 3 |
| 29 | Fidelity Bank | 1 | — | 2 |
| 30 | CoreVest American Finance Lender LLC | 1 | — | — |
| 31 | CrossFirst Bank | 1 | — | — |
| 32 | INTRUST BANK, NA | 1 | — | — |
| 33 | Secured Investment Corp | 1 | — | — |
| 34 | SIMMONS BANK | 1 | — | — |
| 35 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Oklahoma 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
35 lenders reported short-term, business-purpose investment loans in Oklahoma County in 2024 verified lending records — 364 loans totaling $86.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Oklahoma County's active lenders was 9.00% in 2024, with per-lender medians ranging from 7.75% to 12.00%. 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.