Private & Hard Money Lenders in Wisconsin
90 lenders funded 1,235 short-term investment-property loans ($731M) across Wisconsin in 2024, at a median note rate of 8.15%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in Wisconsin by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | Nicolet National Bank | 234 | 8.00% |
| 2 | KIAVI FUNDING, INC. | 122 | 10.95% |
| 3 | HORICON BANK | 71 | 7.60% |
| 4 | NATIONAL EXCHANGE BANK & TRUST | 53 | 7.75% |
| 5 | SIMPLICITY CREDIT UNION | 41 | 7.00% |
| 6 | COVANTAGE CREDIT UNION | 37 | 7.25% |
| 7 | Summit Credit Union | 37 | 8.50% |
| 8 | ONE COMMUNITY BANK | 33 | 8.50% |
| 9 | Citizens State Bank | 32 | 8.50% |
| 10 | THE BANK OF NEW GLARUS | 30 | 7.99% |
Wisconsin hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Milwaukee County
38 lenders · 216 loans
Dane County
22 lenders · 86 loans
Brown County
17 lenders · 82 loans
Winnebago County
12 lenders · 61 loans
Marathon County
9 lenders · 50 loans
Wood County
8 lenders · 38 loans
Racine County
15 lenders · 37 loans
Dodge County
4 lenders · 36 loans
Outagamie County
9 lenders · 36 loans
Eau Claire County
9 lenders · 35 loans
Fond du Lac County
9 lenders · 34 loans
Rock County
16 lenders · 33 loans
Waukesha County
15 lenders · 31 loans
La Crosse County
8 lenders · 28 loans
Sheboygan County
11 lenders · 23 loans
Washington County
13 lenders · 23 loans
Sauk County
10 lenders · 21 loans
Green County
3 lenders · 20 loans
Oneida County
8 lenders · 20 loans
Vilas County
8 lenders · 18 loans
Manitowoc County
7 lenders · 16 loans
Portage County
8 lenders · 15 loans
Dunn County
5 lenders · 14 loans
Grant County
5 lenders · 14 loans
Lincoln County
6 lenders · 14 loans
Calumet County
8 lenders · 11 loans
Clark County
3 lenders · 11 loans
Douglas County
5 lenders · 11 loans
Juneau County
3 lenders · 11 loans
Shawano County
4 lenders · 10 loans
Chippewa County
4 lenders · 9 loans
Columbia County
7 lenders · 9 loans
Kenosha County
8 lenders · 9 loans
Ozaukee County
8 lenders · 8 loans
Walworth County
6 lenders · 8 loans
Green Lake County
3 lenders · 7 loans
Jefferson County
4 lenders · 6 loans
Monroe County
5 lenders · 6 loans
Richland County
3 lenders · 6 loans
St. Croix County
4 lenders · 6 loans
Waupaca County
4 lenders · 6 loans
Vernon County
3 lenders · 5 loans
Washburn County
3 lenders · 5 loans
Barron County
3 lenders · 4 loans
Marinette County
3 lenders · 4 loans
Oconto County
3 lenders · 4 loans
Trempealeau County
3 lenders · 3 loans
Limited 2024 activity (1–2 reporting lenders): Door County, Kewaunee County, Taylor County, Crawford County, Langlade County, Adams County, Lafayette County, Rusk County, Florence County, Jackson County, Polk County, Waushara County, Burnett County, Forest County, Iowa County, Iron County, Marquette County, Pepin County, Price County, Sawyer County. These counties are typically served by the statewide lenders above.