Private & Hard Money Lenders in Kentucky
61 lenders funded 1,037 short-term investment-property loans ($338M) across Kentucky in 2024, at a median note rate of 8.50%. Ranked by verified loan volume — not paid placement.
Top 10 hard money lenders in Kentucky by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | MM Lending, LLC | 180 | 12.00% |
| 2 | KIAVI FUNDING, INC. | 103 | 10.95% |
| 3 | SOUTH CENTRAL BANK INC | 93 | 8.00% |
| 4 | INDEPENDENCE BANK OF KENTUCKY | 75 | 8.50% |
| 5 | FIRST SOUTHERN NATIONAL BANK | 68 | 8.15% |
| 6 | Traditional Bank Inc | 63 | 8.50% |
| 7 | Community Trust Bank, Inc. | 54 | 8.50% |
| 8 | STOCK YARDS BANK & TRUST COMPANY | 40 | 9.00% |
| 9 | Central Bank & Trust Co | 37 | 8.46% |
| 10 | City National Bank of WV | 36 | 7.25% |
Kentucky hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Limited 2024 activity (1–2 reporting lenders): Meade County, Henderson County, Grayson County, Lincoln County, Powell County, Bourbon County, Breckinridge County, Caldwell County, Butler County, Marshall County, Russell County, Bell County, Harrison County, McLean County, Pike County, Spencer County, Calloway County, Harlan County, Henry County, Hopkins County, Livingston County, Nicholas County, Rockcastle County, Bath County, Carroll County, Casey County, Elliott County, Estill County, Floyd County, Fulton County, Gallatin County, Graves County, Greenup County, Hancock County, Knox County, Menifee County, Morgan County, Nelson County, Owen County, Pendleton County, Rowan County, Taylor County, Trigg County, Trimble County, Union County, Whitley County, Wolfe County. These counties are typically served by the statewide lenders above.