Top Private Money Lenders in Richmond, KY

Use Lendersa® hard money mortgage calculator to find private real estate investors in Richmond, Madison, KY. Lendersa® AI technology will quickly match your loan request with hundreds of direct hard money lenders and thousands of private investors' loan programs to fund residential, commercial, and vacant land properties.

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Private Lenders Close to You in Richmond, KY

Working with a private investor via a local hard money broker can significantly increase your chances of obtaining a loan. Hard money lending in Richmond often depends on finding investors with local neighborhood knowledge. A shorter distance between the investor and the property can enhance the odds of loan approval and hasten the funding process.

The city of Richmond has a population of 40972, with an average sale price of $181,410 for properties.

See our list of commercial and residential lenders who offer loans secured by real estate equity, typically without heavy reliance on credit scores or income verification. The list shows how far these lenders are from Zipcode(s): 40475, 40476.

Compare loan offers from 100 lenders



  • UK Federal Credit Union
  • 1730 Alysheba Way, Lexington, KY, 40509
  • Lends in Kentucky
  • UKFCU is a rapidly growing, non-profit federally chartered credit union dedicated to providing quality financial services. For over 70 years, our commitment to providing exceptional customer service to every member of the cooperative sets us apart from other organizations. We strive to create a professional environment that fosters personal growth.

  • Whitaker Bank
  • 2001 Pleasant Ridge Drive, Lexington, KY, 40509
  • Lends in Kentucky
  • Founded in 1978 by Mr. Elmer Whitaker as Whitaker Bancorp, what is now Whitaker Bank Corporation of Kentucky has expanded from five locations within three counties and total assets of $59 million to 45 banking locations within 17 counties and combined total assets of $2.05 billion. Whitaker Bank and Peoples Bank operate as wholly-owned

  • Bank of Lexington
  • 761 Corporate Dr, Lexington, KY, 40503
  • Lends in Kentucky
  • Bank of Lexington As our name implies, we’re a local bank with a vested interest in our neighbors and Lexington. That’s the way it’s been since 2006, when we opened our first bank on Harrodsburg Road. Now with three locations, we continue to meet the growing financial needs of our community. From home mortgages, business accounts and free checking

  • Lambuth Mortgage Lending
  • 2121 Nicholasville Rd, Suite 101, Lexington, KY, 40503
  • Lends in Kentucky
  • At Lambuth Mortgage are here to answer all your questions and help you feel confident about your financial decisions. At Lambuth Mortgage, we make it a priority to learn all about your unique circumstances. We’ll help you understand and take advantage of a variety of home mortgage options and highly competitive interest rates.

  • KUE Federal Credit Union
  • 1 Quality Street, Lexington, KY, 40507
  • Lends in Kentucky
  • KUE Federal Credit Union has been open since 1976. It's the 25th largest credit union in Kentucky with assets totaling $55.24 Million and providing banking services to more than 3,000 members.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups.

  • Jim Mischner
  • 644 North Broadway, Lexington, KY, 40508
  • Lends in Kentucky
  • Jim Mischner is a "private mortgage" lender. He loans his own money to real estate investors who either are purchasing non-owner occupied properties or are refinancing the non-owner occupied properties they already own. These properties include commercial, multi-family and all rental properties. Lending $20, 000 - $4, 000, 000 and CLOSE IN 10 DAYS!

  • Metro Employees Credit Union
  • 1306 Versailles Road, Suite 140, Lexington, KY, 40504
  • Lends in Kentucky
  • MECU was established in 1940 by city employees looking for a way to earn higher rates on savings and lower rates for loans.

    Today, MECU has grown into a full service credit union. Membership in MECU is open to employees of the City of Lexington, employees of accepted outside agencies of the City of Lexington, employees of the Credit Union.

  • Greater Kentucky Credit Union
  • 1001 Red Mile Rd, Lexington, KY, 40504
  • Lends in Kentucky
  • Since 1953, Greater Kentucky Credit Union has made being with a Credit Union easy and rewarding. While some credit unions have niche membership eligibility requirements, Greater Kentucky membership is open to anyone who lives, works, worships or attends school in any of the 24 counties in Kentucky or to any relative of an existing member.

  • Members Heritage Credit union
  • 440 Park Place, Lexington, KY, 40511
  • Lends in Kentucky
  • Members Heritage opened its doors in April 1960 as IBM (Lexington) Employees Federal Credit Union. In the early 1990’s, the credit union began to grow and diversify, offering service to employees at additional companies. In 1993, our name was changed to Members Heritage Federal Credit Union, representing the concept of member ownership.

  • Citizens Commerce
  • PO Box 1028, Versailles, KY, 40383
  • Lends in Kentucky
  • Citizens Commerce Bank in 1996. We expanded into Franklin County in 2007, Jessamine County in 2009 and Fayette County in 2018. As we have grown, we always remember one of our greatest strengths is our ability to do business with people we know and to make decisions locally. We believe in giving back to the communities we serve through sponsorships.

  • Blue Grass Federal
  • 600 High Street, Paris, KY, 40361
  • Lends in Kentucky
  • Blue Grass Federal Savings and Loan has served Bourbon County and the surrounding area since 1959. As a mutual thrift, Blue Grass Federal is owned by those we serve. Our goal is, and has always been, to meet the financial needs of our customers by maintaining a staff of knowledgeable, friendly employees.