Kentucky Private Money Lenders
Seeking a private money loan secured by real estate in Kentucky? On this page you'll find a list of direct private money lending companies that offer fast funding for a Kentucky property purchase, refinance, or equity cash out in 1st lien position. Private money loans are for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. Scroll below the lender list.Searching...
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RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Lima One Capital
The Nation's Premier Lender for Real Estate Investors
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
EquityMax
No Appraisals | Rural Locations, Mobile homes, land and other unique properties considered!
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Yieldi
Direct, Reliable Lender for Investment Properties
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Center Street Lending
Smarter Loans for Residential Investors
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
HouseMax Funding
Hard Money Loans to Fund Your Next Big Project
Kentucky Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Kentucky private money loans in the 4th quarter of 2024 was 11.51%. The average loan amount was $487,474. These stats are the average of 9 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Kentucky between October 1, 2024 and December 31, 2024 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for Kentucky private money loans in the 4th quarter of 2024 was 11.17%. Lenders charged an average of 1.9% points (origination fee). The average LTV (loan-to-value) for private money loans in Kentucky was 61%, and the average loan amount was $180,650. These stats are the average of all the loans which were funded between October 1, 2024 and December 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Kentucky Private Lenders
According to Forecasa™, here are the Top 10 Private Lenders ranked by the number of private mortgage loans* originated in Kentucky from October 2024 to December 2024.
- MM Lending LLC funded 40 loans
- Kentucky Private Lending LLC funded 33 loans
- Flippin Loan LLC funded 28 loans
- Surepoint Equity LLC funded 28 loans
- Kiavi funded 21 loans
- HSLC funded 20 loans
- RCN Capital funded 19 loans
- Monticello Funding funded 12 loans
- Annex Capital LLC funded 11 loans
- Constructive Loans LLC funded 10 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.
Kentucky Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in Kentucky which were funded by private lenders from October 2023 to September 2024.
- Approximately $54,736,344 of private money loans were funded in the 3rd quarter of 2024 for 254 borrowers.
- Approximately $46,794,286 of private money loans were funded in the 2nd quarter of 2024 for 227 borrowers.
- Approximately $40,867,118 of private money loans were funded in the 1st quarter of 2024 for 200 borrowers.
- Approximately $336,351,105 of private money loans were funded in the 4th quarter of 2023 for 234 borrowers.
Below are the approximate private money loan volume amounts for Kentucky’s metropolitan areas:
Lexington-Fayette, KY
- 2024 Q3: $4,929,459 for 21 borrowers
- 2024 Q2: $4,425,660 for 22 borrowers
- 2024 Q1: $6,856,111 for 29 borrowers
- 2023 Q4: $3,653,333 for 23 borrowers
Louisville/Jefferson County, KY
- 2024 Q3: $34,323,910 for 170 borrowers
- 2024 Q2: $29,488,348 for 144 borrowers
- 2024 Q1: $23,243,510 for 124 borrowers
- 2023 Q4: $29,457,846 for 160 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
