Private & Hard Money Lenders in Manitowoc County, WI
7 lenders funded 16 short-term investment-property loans in Manitowoc County in 2024 at a median rate of 10.95%. Ranked by verified loan volume — not paid placement.
Manitowoc County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 7 | 10.95% | 1 |
| 2 | BANK FIRST N.A. | 3 | 9.00% | 9 |
| 3 | NATIONAL EXCHANGE BANK & TRUST | 2 | — | — |
| 4 | Community First Credit Union | 1 | — | 6 |
| 5 | Nicolet National Bank | 1 | — | 3 |
| 6 | ABBYBANK | 1 | — | — |
| 7 | WAUKESHA STATE BANK | 1 | — | — |
DSCR / long-term rental lenders in Manitowoc 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 Manitowoc County in 2024 verified lending records — 16 loans totaling $5.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Manitowoc County's active lenders was 10.95% in 2024, with per-lender medians ranging from 9.00% to 10.95%. 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.