How many hard money lenders are active in St. Louis city?

34 lenders reported short-term, business-purpose investment loans in St. Louis city in 2024 verified lending records — 214 loans totaling $86.7M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in St. Louis city?

The median note rate across St. Louis city's active lenders was 8.25% in 2024, with per-lender medians ranging from 7.50% 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 St. Louis city, MO

34 lenders funded 214 short-term investment-property loans in St. Louis city in 2024 at a median rate of 8.25%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

214$86.7M

Median note rate

8.25%7.5–12.0%

DSCR / rental loans

647

St. Louis city hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	50	11.49%	26
2	Carrollton Bank	21	8.00%	5
3	FCB BANKS	16	8.25%	38
4	LIMA ONE CAPITAL, LLC	16	11.15%	20
5	RPE Home, Inc	15	12.00%	—
6	FIRST STATE BANK OF ST CHARLES	14	8.50%	10
7	Bank of Springfield	11	7.99%	1
8	AMERICAN BANK OF FREEDOM	9	9.50%	1
9	SULLIVAN BANK	7	8.25%	3
10	First Mid Bank and Trust, NA	6	8.15%	3
11	Loan Funder LLC	5	11.50%	10
12	Midland States Bank	4	7.50%	5
13	Peoples National Bank, N.A.	4	7.75%	4
14	THE CENTRAL TRUST BANK	3	7.50%	18
15	TOGETHER CREDIT UNION	3	9.50%	16
16	UNITED BANK OF UNION	3	8.00%	2
17	Merchants Mortgage & Trust Corporation	3	12.00%	—
18	MIDWEST BANKCENTRE	2	—	19
19	VELOCITY COMMERCIAL CAPITAL LLC	2	—	11
20	LendingOne LLC	2	—	4
21	FIRST STATE COMMUNITY BANK	2	—	2
22	Old National Bank	2	—	2
23	Temple View Capital Funding LP	2	—	—
24	THE BANK OF MISSOURI	2	—	—
25	American Heritage Lending, LLC	1	—	7
26	Dominion Financial Services, LLC	1	—	5
27	Arsenal Credit Union	1	—	4
28	FIRST NATIONAL BANK OF WATERLOO	1	—	3
29	GREAT SOUTHERN BANK	1	—	3
30	Southern Bank	1	—	3
31	Cadence Bank	1	—	2
32	ABL RPC Residential Credit Acquisition LLC	1	—	—
33	First Ciitizens Bank and Trust	1	—	—
34	SIMMONS BANK	1	—	—

DSCR / long-term rental lenders in St. Louis city

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 · 67GUILD MORTGAGE COMPANY · 42BPL Mortgage, LLC · 40STIFEL BANK & TRUST · 36Deephaven Mortgage LLC · 13US BANK, N.A. · 13CNB BANK & TRUST, N.A. · 12HomeXpress Mortgage Corp. · 12LEADERONE FINANCIAL CORP. · 9AMERITRUST MORTGAGE CORPORATION · 8GUARANTEED RATE AFFINITY, LLC · 8RF Renovo Management Company, LLC · 8CROSSCOUNTRY MORTGAGE, LLC · 7BANK OF HILLSBORO, N.A. · 6FAIRWAY INDEPENDENT MORT CORP · 6JPMorgan Chase Bank, NA · 6Amerant Mortgage LLC · 5Archwest Funding · 5EMPORIUM TPO LLC · 5NEIGHBORHOOD LOANS, INC. · 5

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 St. Louis citywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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