Private & Hard Money Lenders in Phelps County, MO
5 lenders funded 8 short-term investment-property loans in Phelps County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Phelps County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 3 | 10.75% | 1 |
| 2 | FIRST STATE COMMUNITY BANK | 2 | — | 2 |
| 3 | SULLIVAN BANK | 1 | — | 1 |
| 4 | THE BANK OF MISSOURI | 1 | — | — |
| 5 | UNITED BANK OF UNION | 1 | — | — |
DSCR / long-term rental lenders in Phelps 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
5 lenders reported short-term, business-purpose investment loans in Phelps County in 2024 verified lending records — 8 loans totaling $1.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Phelps County's active lenders was 10.75% in 2024. 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.