Private & Hard Money Lenders in Johnson County, MO
9 lenders funded 42 short-term investment-property loans in Johnson County in 2024 at a median rate of 8.25%. Ranked by verified loan volume — not paid placement.
Johnson County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Equity Bank | 17 | 8.68% | 1 |
| 2 | THE CENTRAL TRUST BANK | 10 | 8.25% | 9 |
| 3 | Community National Bank & Trust | 9 | 7.90% | 14 |
| 4 | COMMUNITYAMERICA CREDIT UNION | 1 | — | 1 |
| 5 | HAWTHORN BANK | 1 | — | 1 |
| 6 | KIAVI FUNDING, INC. | 1 | — | — |
| 7 | Loan Funder LLC | 1 | — | — |
| 8 | SIMMONS BANK | 1 | — | — |
| 9 | Union Bank and Trust Company | 1 | — | — |
DSCR / long-term rental lenders in Johnson 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
9 lenders reported short-term, business-purpose investment loans in Johnson County in 2024 verified lending records — 42 loans totaling $11.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Johnson County's active lenders was 8.25% in 2024, with per-lender medians ranging from 7.90% to 8.68%. 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.