Private & Hard Money Lenders in Stone County, MO
15 lenders funded 19 short-term investment-property loans in Stone County in 2024 at a median rate of 8.72%. Ranked by verified loan volume — not paid placement.
Stone County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | SIMMONS BANK | 3 | 8.72% | — |
| 2 | Cadence Bank | 2 | — | 7 |
| 3 | SULLIVAN BANK | 2 | — | 1 |
| 4 | Southern Bank | 1 | — | 2 |
| 5 | Temple View Capital Funding LP | 1 | — | 1 |
| 6 | Bank of Springfield | 1 | — | — |
| 7 | Centennial Bank | 1 | — | — |
| 8 | Chambers Bank | 1 | — | — |
| 9 | Dominion Financial Services, LLC | 1 | — | — |
| 10 | Equity Bank | 1 | — | — |
| 11 | Generations Bank | 1 | — | — |
| 12 | Guaranty Bank | 1 | — | — |
| 13 | OAKSTAR BANK | 1 | — | — |
| 14 | RPE Home, Inc | 1 | — | — |
| 15 | The Farmers & Merchants Bank | 1 | — | — |
DSCR / long-term rental lenders in Stone 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
15 lenders reported short-term, business-purpose investment loans in Stone County in 2024 verified lending records — 19 loans totaling $7.3M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Stone County's active lenders was 8.72% 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.