How many hard money lenders are active in Jackson County?

41 lenders reported short-term, business-purpose investment loans in Jackson County in 2024 verified lending records — 423 loans totaling $133.8M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in Jackson County?

The median note rate across Jackson County's active lenders was 10.20% in 2024, with per-lender medians ranging from 7.25% to 12.00%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in Jackson County, MO

41 lenders funded 423 short-term investment-property loans in Jackson County in 2024 at a median rate of 10.20%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

423$133.8M

Median note rate

10.20%7.3–12.0%

DSCR / rental loans

1,231

Jackson County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	205	11.45%	110
2	Equity Bank	49	8.76%	8
3	COMMUNITYAMERICA CREDIT UNION	37	8.50%	57
4	Loan Funder LLC	17	11.25%	88
5	Genesis Capital, LLC	15	9.00%	—
6	Merchants Mortgage & Trust Corporation	11	11.00%	—
7	LIMA ONE CAPITAL, LLC	8	10.20%	24
8	Dominion Financial Services, LLC	8	11.00%	22
9	LendingOne LLC	8	9.58%	13
10	Conventus Lending LLC	8	11.49%	5
11	MID AMERICA BANK	6	8.50%	7
12	THE CENTRAL TRUST BANK	4	8.25%	12
13	RF Renovo Management Company, LLC	4	10.25%	11
14	RPE Home, Inc	4	12.00%	—
15	CoreFirst Bank & Trust	3	7.38%	39
16	FARMERS BANK & TRUST	3	7.25%	4
17	Secured Investment Corp	3	11.99%	—
18	Southern Bank	2	—	9
19	OAKSTAR BANK	2	—	7
20	SIMMONS BANK	2	—	1
21	Union Bank and Trust Company	2	—	1
22	Community National Bank & Trust	2	—	—
23	Guaranty Bank	2	—	—
24	FIRST STATE BANK OF ST CHARLES	1	—	39
25	BPL Mortgage, LLC	1	—	31
26	NBKC BANK	1	—	19
27	American Heritage Lending, LLC	1	—	17
28	ARVEST BANK	1	—	16
29	UMB BANK NA	1	—	9
30	HAWTHORN BANK	1	—	8
31	US BANK, N.A.	1	—	6
32	Arbor Realty Trust, Inc.	1	—	3
33	Capitol Federal Savings Bank	1	—	3
34	Temple View Capital Funding LP	1	—	2
35	ClearEdge Lending LLC	1	—	1
36	EMPRISE BANK	1	—	1
37	Armed Forces Bank, N.A.	1	—	—
38	BANCFIRST	1	—	—
39	CrossFirst Bank	1	—	—
40	INTRUST BANK, NA	1	—	—
41	PINNACLE BANK	1	—	—

DSCR / long-term rental lenders in Jackson 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.

United Wholesale Mortgage · 75HomeXpress Mortgage Corp. · 50FAIRWAY INDEPENDENT MORT CORP · 37SECURITYNATIONAL MORTGAGE COMPANY · 27CROSSCOUNTRY MORTGAGE, LLC · 22LEADERONE FINANCIAL CORP. · 19OCMBC, INC. · 19GUARANTEED RATE, INC. · 18EMPORIUM TPO LLC · 17FIRST NATIONAL BANK OF OMAHA · 16CMG MORTGAGE INC · 15KS StateBank · 13Deephaven Mortgage LLC · 11GUILD MORTGAGE COMPANY · 10PENNYMAC LOAN SERVICES LLC · 10PRIMELENDING · 10JPMorgan Chase Bank, NA · 9VELOCITY COMMERCIAL CAPITAL LLC · 9NEWREZ LLC · 8SUMMIT FUNDING.INC · 8

Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in Jackson Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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