Private & Hard Money Lenders in Dubuque County, IA
7 lenders funded 70 short-term investment-property loans in Dubuque County in 2024 at a median rate of 7.50%. Ranked by verified loan volume — not paid placement.
Dubuque County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Fidelity Bank & Trust | 52 | 7.65% | 21 |
| 2 | DUTRAC COMMUNITY CREDIT UNION | 6 | 6.38% | 32 |
| 3 | DUPACO COMMUNITY CREDIT UNION | 5 | 7.50% | 35 |
| 4 | MIDWESTONE BANK | 2 | — | 12 |
| 5 | HTLF BANK | 2 | — | 5 |
| 6 | ROYAL BANK | 2 | — | — |
| 7 | COLLINS COMMUNITY CREDIT UNION | 1 | — | — |
DSCR / long-term rental lenders in Dubuque 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
7 lenders reported short-term, business-purpose investment loans in Dubuque County in 2024 verified lending records — 70 loans totaling $14.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Dubuque County's active lenders was 7.50% in 2024, with per-lender medians ranging from 6.38% to 7.65%. 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.