Private & Hard Money Lenders in Riley County, KS
9 lenders funded 16 short-term investment-property loans in Riley County in 2024 at a median rate of 9.35%. Ranked by verified loan volume — not paid placement.
Riley County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KS StateBank | 4 | 9.35% | 12 |
| 2 | THE FARMERS STATE BANK OF WESTMORELAND | 3 | 8.25% | — |
| 3 | ESB Financial | 2 | — | 3 |
| 4 | ALERUS FINANCIAL NA | 2 | — | — |
| 5 | EXCHANGE BANK | 1 | — | 1 |
| 6 | Armed Forces Bank, N.A. | 1 | — | — |
| 7 | COMMERCE BANK | 1 | — | — |
| 8 | Fidelity Bank | 1 | — | — |
| 9 | PINNACLE BANK | 1 | — | — |
DSCR / long-term rental lenders in Riley 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
9 lenders reported short-term, business-purpose investment loans in Riley County in 2024 verified lending records — 16 loans totaling $27.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Riley County's active lenders was 9.35% in 2024, with per-lender medians ranging from 8.25% to 9.35%. 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.