Private & Hard Money Lenders in Adams County, IL
8 lenders funded 12 short-term investment-property loans in Adams County in 2024 at a median rate of 8.50%. Ranked by verified loan volume — not paid placement.
Adams County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | HOMEBANK | 3 | 8.50% | 33 |
| 2 | UNITED COMMUNITY BANK | 3 | 7.00% | 21 |
| 3 | Bank of Springfield | 1 | — | 6 |
| 4 | FIRST BANKERS TRUST COMPANY | 1 | — | 4 |
| 5 | Heartland Bank and Trust Company | 1 | — | 1 |
| 6 | HNB National Bank | 1 | — | 1 |
| 7 | CIBC Bank USA | 1 | — | — |
| 8 | Temple View Capital Funding LP | 1 | — | — |
DSCR / long-term rental lenders in Adams 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
8 lenders reported short-term, business-purpose investment loans in Adams County in 2024 verified lending records — 12 loans totaling $12.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Adams County's active lenders was 8.50% in 2024, with per-lender medians ranging from 7.00% to 8.50%. 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.