Private & Hard Money Lenders in Hardin County, KY
7 lenders funded 23 short-term investment-property loans in Hardin County in 2024 at a median rate of 9.38%. Ranked by verified loan volume — not paid placement.
Hardin County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SOUTH CENTRAL BANK INC | 11 | 8.25% | 12 |
| 2 | The Cecilian Bank | 4 | 9.38% | 31 |
| 3 | MM Lending, LLC | 3 | 11.00% | — |
| 4 | MAGNOLIA BANK | 2 | — | 15 |
| 5 | Community Trust Bank, Inc. | 1 | — | 1 |
| 6 | First Financial Bank, NA | 1 | — | 1 |
| 7 | KIAVI FUNDING, INC. | 1 | — | — |
DSCR / long-term rental lenders in Hardin 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
7 lenders reported short-term, business-purpose investment loans in Hardin County in 2024 verified lending records — 23 loans totaling $3.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Hardin County's active lenders was 9.38% in 2024, with per-lender medians ranging from 8.25% to 11.00%. 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.