Private & Hard Money Lenders in Missouri
87 lenders funded 2,836 short-term investment-property loans ($829M) across Missouri in 2024, at a median note rate of 8.50%. Ranked by verified loan volume — not paid placement.
Top 10 hard money lenders in Missouri by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 478 | 11.45% |
| 2 | THE CENTRAL TRUST BANK | 216 | 8.25% |
| 3 | Southern Bank | 192 | 8.50% |
| 4 | FIRST STATE COMMUNITY BANK | 161 | 8.20% |
| 5 | Equity Bank | 152 | 8.75% |
| 6 | FIRST STATE BANK OF ST CHARLES | 151 | 8.50% |
| 7 | AMERICAN BANK OF FREEDOM | 146 | 9.50% |
| 8 | SULLIVAN BANK | 136 | 8.25% |
| 9 | Carrollton Bank | 96 | 8.50% |
| 10 | Southwest Missouri Bank | 81 | 8.50% |
Missouri hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Limited 2024 activity (1–2 reporting lenders): Stoddard County, Texas County, Morgan County, Dunklin County, Perry County, Washington County, Cedar County, Miller County, Oregon County, Adair County, Carter County, Monroe County, New Madrid County, Ripley County, Dallas County, Douglas County, Iron County, St. Clair County, Ste. Genevieve County, Wayne County, Barton County, Chariton County, Clinton County, Hickory County, Montgomery County, Osage County, Pemiscot County, Ralls County, Ray County, Andrew County, Atchison County, Bollinger County, Dent County, Lewis County, Livingston County, Madison County, Maries County, Nodaway County, Putnam County, Saline County, Shannon County. These counties are typically served by the statewide lenders above.