Private & Hard Money Lenders in St. Louis County, MO
32 lenders funded 536 short-term investment-property loans in St. Louis County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
St. Louis County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 116 | 11.65% | 219 |
| 2 | AMERICAN BANK OF FREEDOM | 96 | 9.50% | 6 |
| 3 | FIRST STATE BANK OF ST CHARLES | 82 | 8.50% | 29 |
| 4 | FCB BANKS | 47 | 8.25% | 65 |
| 5 | Carrollton Bank | 37 | 8.50% | 7 |
| 6 | Loan Funder LLC | 26 | 10.99% | 30 |
| 7 | MIDWEST BANKCENTRE | 24 | 8.50% | 36 |
| 8 | SULLIVAN BANK | 23 | 8.25% | 2 |
| 9 | THE CENTRAL TRUST BANK | 12 | 8.50% | 12 |
| 10 | Dominion Financial Services, LLC | 11 | 11.00% | 13 |
| 11 | RPE Home, Inc | 9 | 12.50% | — |
| 12 | LendingOne LLC | 8 | 11.49% | 3 |
| 13 | Bank of Springfield | 7 | 7.99% | 19 |
| 14 | GREAT SOUTHERN BANK | 5 | 8.50% | 8 |
| 15 | FIRST STATE COMMUNITY BANK | 4 | 8.50% | 11 |
| 16 | Peoples National Bank, N.A. | 4 | 8.50% | 2 |
| 17 | First Mid Bank and Trust, NA | 3 | 8.00% | 3 |
| 18 | LIMA ONE CAPITAL, LLC | 2 | — | 38 |
| 19 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 13 |
| 20 | ABL RPC Residential Credit Acquisition LLC | 2 | — | 2 |
| 21 | Cadence Bank | 2 | — | 1 |
| 22 | HNB National Bank | 2 | — | 1 |
| 23 | Conventus Lending LLC | 2 | — | — |
| 24 | SIMMONS BANK | 2 | — | — |
| 25 | US BANK, N.A. | 1 | — | 26 |
| 26 | RF Renovo Management Company, LLC | 1 | — | 9 |
| 27 | BUSEY BANK | 1 | — | 2 |
| 28 | HOMEBANK | 1 | — | 2 |
| 29 | INB, NATIONAL ASSOCIATION | 1 | — | 2 |
| 30 | Ice Lender Holdings LLC | 1 | — | 1 |
| 31 | Southern Bank | 1 | — | 1 |
| 32 | Union Bank and Trust Company | 1 | — | — |
DSCR / long-term rental lenders in St. Louis 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
32 lenders reported short-term, business-purpose investment loans in St. Louis County in 2024 verified lending records — 536 loans totaling $125.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across St. Louis County's active lenders was 8.50% in 2024, with per-lender medians ranging from 7.99% to 12.50%. 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.