Private & Hard Money Lenders in Clay County, MO
14 lenders funded 62 short-term investment-property loans in Clay County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Clay County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 19 | 11.49% | 10 |
| 2 | Equity Bank | 13 | 8.76% | — |
| 3 | COMMUNITYAMERICA CREDIT UNION | 8 | 8.50% | 11 |
| 4 | THE CENTRAL TRUST BANK | 7 | 8.25% | 7 |
| 5 | ARVEST BANK | 3 | 7.39% | 3 |
| 6 | Genesis Capital, LLC | 2 | — | — |
| 7 | INTRUST BANK, NA | 2 | — | — |
| 8 | Secured Investment Corp | 2 | — | — |
| 9 | LendingOne LLC | 1 | — | 2 |
| 10 | American Heritage Lending, LLC | 1 | — | 1 |
| 11 | HAWTHORN BANK | 1 | — | 1 |
| 12 | Conventus Lending LLC | 1 | — | — |
| 13 | First Interstate Bank | 1 | — | — |
| 14 | PINNACLE BANK | 1 | — | — |
DSCR / long-term rental lenders in Clay 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 Clay County in 2024 verified lending records — 62 loans totaling $16.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Clay County's active lenders was 8.50% in 2024, with per-lender medians ranging from 7.39% to 11.49%. 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.