Private & Hard Money Lenders in Christian County, MO
14 lenders funded 28 short-term investment-property loans in Christian County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Christian County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | OAKSTAR BANK | 3 | 8.50% | 7 |
| 2 | THE CENTRAL TRUST BANK | 3 | 8.50% | 7 |
| 3 | KIAVI FUNDING, INC. | 3 | 10.99% | 3 |
| 4 | Southern Bank | 3 | 8.50% | 3 |
| 5 | SULLIVAN BANK | 3 | 7.95% | 2 |
| 6 | Cadence Bank | 2 | — | 8 |
| 7 | ARVEST BANK | 2 | — | 3 |
| 8 | GREAT SOUTHERN BANK | 2 | — | 3 |
| 9 | Guaranty Bank | 2 | — | 2 |
| 10 | BluCurrent Credit Union | 1 | — | 2 |
| 11 | COMMERCE BANK | 1 | — | 2 |
| 12 | THE BANK OF MISSOURI | 1 | — | 1 |
| 13 | FIRST STATE BANK OF ST CHARLES | 1 | — | — |
| 14 | PINNACLE BANK | 1 | — | — |
DSCR / long-term rental lenders in Christian 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
14 lenders reported short-term, business-purpose investment loans in Christian County in 2024 verified lending records — 28 loans totaling $13.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Christian County's active lenders was 8.50% in 2024, with per-lender medians ranging from 7.95% to 10.99%. 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.