Private & Hard Money Lenders in Jefferson County, MO
10 lenders funded 61 short-term investment-property loans in Jefferson County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Jefferson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FIRST STATE COMMUNITY BANK | 14 | 8.20% | 16 |
| 2 | Carrollton Bank | 14 | 8.50% | 1 |
| 3 | AMERICAN BANK OF FREEDOM | 8 | 9.50% | — |
| 4 | FIRST STATE BANK OF ST CHARLES | 7 | 8.50% | 2 |
| 5 | KIAVI FUNDING, INC. | 7 | 9.00% | 2 |
| 6 | SULLIVAN BANK | 4 | 8.25% | — |
| 7 | FCB BANKS | 3 | 8.35% | 6 |
| 8 | Southern Bank | 2 | — | 1 |
| 9 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 10 | FIRST BANKERS TRUST COMPANY | 1 | — | — |
DSCR / long-term rental lenders in Jefferson 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
10 lenders reported short-term, business-purpose investment loans in Jefferson County in 2024 verified lending records — 61 loans totaling $12.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Jefferson County's active lenders was 8.50% in 2024, with per-lender medians ranging from 8.20% to 9.50%. 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.