Private & Hard Money Lenders in Boone County, MO
12 lenders funded 82 short-term investment-property loans in Boone County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Boone County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | THE CENTRAL TRUST BANK | 40 | 7.65% | 56 |
| 2 | FIRST STATE COMMUNITY BANK | 15 | 7.95% | 6 |
| 3 | HAWTHORN BANK | 5 | 8.50% | 17 |
| 4 | SIMMONS BANK | 5 | 8.50% | — |
| 5 | THE BANK OF MISSOURI | 4 | 7.75% | 16 |
| 6 | KIAVI FUNDING, INC. | 3 | 11.99% | 1 |
| 7 | Equity Bank | 3 | 8.69% | — |
| 8 | HNB National Bank | 2 | — | 1 |
| 9 | OAKSTAR BANK | 2 | — | — |
| 10 | COMMERCE BANK | 1 | — | 4 |
| 11 | INB, NATIONAL ASSOCIATION | 1 | — | 1 |
| 12 | Carrollton Bank | 1 | — | — |
DSCR / long-term rental lenders in Boone 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 Boone County in 2024 verified lending records — 82 loans totaling $28.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Boone County's active lenders was 8.50% in 2024, with per-lender medians ranging from 7.65% to 11.99%. 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.