Private & Hard Money Lenders in Eau Claire County, WI
9 lenders funded 35 short-term investment-property loans in Eau Claire County in 2024 at a median rate of 8.24%. Ranked by verified loan volume — not paid placement.
Eau Claire County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Nicolet National Bank | 21 | 7.75% | 6 |
| 2 | Citizens State Bank | 4 | 8.24% | — |
| 3 | ROYAL CREDIT UNION | 3 | — | 22 |
| 4 | WESTCONSIN CREDIT UNION | 2 | — | 14 |
| 5 | Merchants Bank, National Association | 1 | — | 1 |
| 6 | Superior Choice Credit Union | 1 | — | 1 |
| 7 | American B&T C, N.A. | 1 | — | — |
| 8 | Bremer Bank NA | 1 | — | — |
| 9 | Loan Funder LLC | 1 | — | — |
DSCR / long-term rental lenders in Eau Claire 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
9 lenders reported short-term, business-purpose investment loans in Eau Claire County in 2024 verified lending records — 35 loans totaling $18.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Eau Claire County's active lenders was 8.24% in 2024, with per-lender medians ranging from 7.75% to 8.24%. 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.