Private & Hard Money Lenders in Clark County, KY
8 lenders funded 19 short-term investment-property loans in Clark County in 2024 at a median rate of 8.46%. Ranked by verified loan volume — not paid placement.
Clark County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Traditional Bank Inc | 7 | 8.00% | 12 |
| 2 | Community Trust Bank, Inc. | 3 | 8.50% | 16 |
| 3 | Central Bank & Trust Co | 3 | 8.46% | 3 |
| 4 | STOCK YARDS BANK & TRUST COMPANY | 2 | — | 2 |
| 5 | Peoples Exchange Bank | 1 | — | 18 |
| 6 | UNIVERSITY OF KY FCU | 1 | — | 2 |
| 7 | FIRST SOUTHERN NATIONAL BANK | 1 | — | 1 |
| 8 | City National Bank of WV | 1 | — | — |
DSCR / long-term rental lenders in Clark 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
8 lenders reported short-term, business-purpose investment loans in Clark County in 2024 verified lending records — 19 loans totaling $4.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Clark County's active lenders was 8.46% in 2024, with per-lender medians ranging from 8.00% to 8.50%. 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.