Private & Hard Money Lenders in Warren County, KY
12 lenders funded 64 short-term investment-property loans in Warren County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Warren County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SOUTH CENTRAL BANK INC | 22 | 8.00% | 11 |
| 2 | FIRST SOUTHERN NATIONAL BANK | 13 | 8.15% | 17 |
| 3 | INDEPENDENCE BANK OF KENTUCKY | 10 | 7.75% | 14 |
| 4 | MORGANTOWN BANK & TRUST CO INC | 6 | 8.00% | 20 |
| 5 | Pinnacle Bank | 2 | — | 10 |
| 6 | First Financial Bank, NA | 2 | — | 8 |
| 7 | FIRSTBANK | 2 | — | 7 |
| 8 | MM Lending, LLC | 2 | — | — |
| 9 | The Farmers Bank | 2 | — | — |
| 10 | EDMONTON STATE BANK | 1 | — | 13 |
| 11 | Old National Bank | 1 | — | — |
| 12 | Secured Investment Corp | 1 | — | — |
DSCR / long-term rental lenders in Warren 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
12 lenders reported short-term, business-purpose investment loans in Warren County in 2024 verified lending records — 64 loans totaling $26.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Warren County's active lenders was 8.00% in 2024, with per-lender medians ranging from 7.75% to 8.15%. 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.