Private & Hard Money Lenders in St. Charles County, MO
19 lenders funded 115 short-term investment-property loans in St. Charles County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
St. Charles County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | FIRST STATE BANK OF ST CHARLES | 41 | 8.50% | 14 |
| 2 | AMERICAN BANK OF FREEDOM | 22 | 9.00% | — |
| 3 | Carrollton Bank | 14 | 8.50% | — |
| 4 | KIAVI FUNDING, INC. | 12 | 10.95% | 40 |
| 5 | Bank of Springfield | 5 | 8.00% | 5 |
| 6 | HNB National Bank | 4 | 8.00% | 5 |
| 7 | THE CENTRAL TRUST BANK | 3 | 6.87% | 5 |
| 8 | FIRST STATE COMMUNITY BANK | 2 | — | 5 |
| 9 | SULLIVAN BANK | 2 | — | — |
| 10 | FCB BANKS | 1 | — | 4 |
| 11 | GREAT SOUTHERN BANK | 1 | — | 3 |
| 12 | Temple View Capital Funding LP | 1 | — | 2 |
| 13 | HOMEBANK | 1 | — | 1 |
| 14 | LendingOne LLC | 1 | — | 1 |
| 15 | Equity Bank | 1 | — | — |
| 16 | Genesis Capital, LLC | 1 | — | — |
| 17 | SIMMONS BANK | 1 | — | — |
| 18 | Southern Bank | 1 | — | — |
| 19 | UNITED COMMUNITY BANK | 1 | — | — |
DSCR / long-term rental lenders in St. Charles 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
19 lenders reported short-term, business-purpose investment loans in St. Charles County in 2024 verified lending records — 115 loans totaling $32.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across St. Charles County's active lenders was 8.50% in 2024, with per-lender medians ranging from 6.87% to 10.95%. 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.