Private & Hard Money Lenders in Pontotoc County, OK
4 lenders funded 17 short-term investment-property loans in Pontotoc County in 2024 at a median rate of 8.75%. 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 | FIRST UNITED BANK AND TRUST CO | 8 | 8.00% | 32 |
| 2 | SIMMONS BANK | 5 | 8.76% | — |
| 3 | Vision Bank | 3 | 8.75% | 18 |
| 4 | BANCFIRST | 1 | — | 1 |
DSCR / long-term rental lenders in Pontotoc 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
4 lenders reported short-term, business-purpose investment loans in Pontotoc County in 2024 verified lending records — 17 loans totaling $3.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pontotoc County's active lenders was 8.75% in 2024, with per-lender medians ranging from 8.00% to 8.76%. 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.