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Lender directory

Private & Hard Money Lenders in Cook County, IL

52 lenders funded 1,261 short-term investment-property loans in Cook County in 2024 at a median rate of 10.00%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01
Hard money loans (2024)
1,261$935.7M
Median note rate
10.00%6.4–14.1%
DSCR / rental loans
4,634

Cook County hard money lenders by 2024 loan count

#LenderHard money loansMedian rateDSCR loans
1Loan Funder LLC42810.99%306
2RF Renovo Management Company, LLC27111.00%201
3KIAVI FUNDING, INC.11310.95%62
4BPL Mortgage, LLC6110.63%151
5RPE Home, Inc4612.00%—
6Heartland Bank and Trust Company379.50%6
7CNB BANK & TRUST, N.A.348.50%11
8Churchill Funding I LLC219.63%5
9US BANK, N.A.186.39%134
10VELOCITY COMMERCIAL CAPITAL LLC1711.24%98
11LIMA ONE CAPITAL, LLC1710.70%32
12MARQUETTE BANK176.75%29
13COVANTAGE CREDIT UNION177.00%8
14Conventus Lending LLC179.99%3
15LendingOne LLC1611.49%32
16Dominion Financial Services, LLC1611.00%15
17ABL RPC Residential Credit Acquisition LLC1614.13%12
18American Heritage Lending, LLC1111.50%57
19Old National Bank107.10%82
20Merchants Mortgage & Trust Corporation910.50%—
21Genesis Capital, LLC810.00%—
22Secured Investment Corp712.99%—
23Associated Bank NA47.57%14
24CIBC Bank USA47.83%3
25American B&T C, N.A.48.00%1
26Constructive Loans LLC310.99%23
27Old Second National Bank37.57%23
28Midland States Bank37.75%8
29First State Bank38.75%5
30Bank of Springfield37.50%—
31PROVIDENCE BANK & TRUST2—38
32HOME STATE BANK, N.A.2—10
33Merchants Bank of Indiana2—1
34Temple View Capital Funding LP2—1
35PLANET MANAGMENT GROUP, LLC2——
36Cornerstone National Bank & Tr1—16
37Devon Bank1—15
38American Commercial Bank & Trust, National Association1—14
39Citibank, NA1—13
40FIRST NATIONAL BANK OF OMAHA1—10
41FIRST MERCHANTS BANK1—9
42CIBM Bank1—6
43CENTIER BANK1—3
44Ice Lender Holdings LLC1—3
45SOLERA NATIONAL BANK1—1
46WELLS FARGO BANK NA1—1
47CITIZENS TRI COUNTY BANK1——
48First Ciitizens Bank and Trust1——
49FORTRESS BANK1——
50Metropolitan Life Insurance Co1——
51MIDWESTONE BANK1——
52The Lincoln National Life Insurance Company1——

DSCR / long-term rental lenders in Cook 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.

JPMorgan Chase Bank, NA · 321GUARANTEED RATE, INC. · 315United Wholesale Mortgage · 305CROSSCOUNTRY MORTGAGE, LLC · 181FAIRWAY INDEPENDENT MORT CORP · 109OCMBC, INC. · 80Citadel Servicing Corporation · 69NEIGHBORHOOD LOANS, INC. · 64GUILD MORTGAGE COMPANY · 51POLISH & SLAVIC FEDERAL CREDIT · 51American Pacific Mortgage Corporation · 50HomeXpress Mortgage Corp. · 49Bank of America NA · 46Deephaven Mortgage LLC · 46TOWNE MORTGAGE COMPANY · 46GREENSTATE CREDIT UNION · 44PENNYMAC LOAN SERVICES LLC · 44PROPER RATE, LLC · 44LOANDEPOT.COM, LLC · 43NEXERA HOLDING LLC · 43
Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in Cook Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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