Private & Hard Money Lenders in Payne County, OK
7 lenders funded 18 short-term investment-property loans in Payne County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Payne County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | BANCFIRST | 9 | 8.00% | 47 |
| 2 | SOVEREIGN BANK | 3 | — | 1 |
| 3 | RCB BANK | 2 | — | 7 |
| 4 | ARVEST BANK | 1 | — | 4 |
| 5 | FIRST UNITED BANK AND TRUST CO | 1 | — | 4 |
| 6 | Metropolitan Life Insurance Co | 1 | — | — |
| 7 | River Bank & Trust | 1 | — | — |
DSCR / long-term rental lenders in Payne 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
7 lenders reported short-term, business-purpose investment loans in Payne County in 2024 verified lending records — 18 loans totaling $45.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Payne County's active lenders was 8.00% in 2024. 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.