Private & Hard Money Lenders in Oneida County, WI
8 lenders funded 20 short-term investment-property loans in Oneida County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Oneida County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Nicolet National Bank | 10 | 8.00% | 3 |
| 2 | Peoples State Bank | 2 | — | 10 |
| 3 | Forward Bank | 2 | — | 1 |
| 4 | ROYAL BANK | 2 | — | — |
| 5 | Incrediblebank | 1 | — | 3 |
| 6 | COVANTAGE CREDIT UNION | 1 | — | 1 |
| 7 | Community First Credit Union | 1 | — | — |
| 8 | NATIONAL EXCHANGE BANK & TRUST | 1 | — | — |
DSCR / long-term rental lenders in Oneida 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
8 lenders reported short-term, business-purpose investment loans in Oneida County in 2024 verified lending records — 20 loans totaling $7.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Oneida County's active lenders was 8.00% in 2024. 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.