Private & Hard Money Lenders in Fayette County, KY
18 lenders funded 103 short-term investment-property loans in Fayette County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Fayette County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Traditional Bank Inc | 19 | 8.50% | 51 |
| 2 | Central Bank & Trust Co | 17 | 8.50% | 9 |
| 3 | UNIVERSITY OF KY FCU | 11 | 6.99% | 30 |
| 4 | STOCK YARDS BANK & TRUST COMPANY | 10 | 8.00% | 17 |
| 5 | Community Trust Bank, Inc. | 8 | 8.50% | 29 |
| 6 | City National Bank of WV | 8 | 7.50% | 10 |
| 7 | SOUTH CENTRAL BANK INC | 6 | 7.50% | 1 |
| 8 | Commonwealth Credit Union | 4 | 8.25% | 62 |
| 9 | PARK COMMUNITY CREDIT UNION | 4 | 9.25% | 2 |
| 10 | RPE Home, Inc | 4 | 12.00% | — |
| 11 | KIAVI FUNDING, INC. | 3 | 11.49% | — |
| 12 | MM Lending, LLC | 3 | 12.00% | — |
| 13 | Peoples Exchange Bank | 1 | — | 32 |
| 14 | INDEPENDENCE BANK OF KENTUCKY | 1 | — | 3 |
| 15 | GERMAN AMERICAN BANK | 1 | — | 2 |
| 16 | LIMA ONE CAPITAL, LLC | 1 | — | 1 |
| 17 | FIRST SOUTHERN NATIONAL BANK | 1 | — | — |
| 18 | Loan Funder LLC | 1 | — | — |
DSCR / long-term rental lenders in Fayette 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
18 lenders reported short-term, business-purpose investment loans in Fayette County in 2024 verified lending records — 103 loans totaling $37.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Fayette County's active lenders was 8.50% in 2024, with per-lender medians ranging from 6.99% to 12.00%. 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.