Private & Hard Money Lenders in Racine County, WI
15 lenders funded 37 short-term investment-property loans in Racine County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Racine County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 8 | 10.99% | — |
| 2 | TRI CITY NATIONAL BANK | 6 | 7.75% | 6 |
| 3 | American Heritage Lending, LLC | 5 | 11.25% | 3 |
| 4 | LendingOne LLC | 3 | 9.49% | — |
| 5 | Associated Bank NA | 2 | — | 2 |
| 6 | Dominion Financial Services, LLC | 2 | — | 2 |
| 7 | Old National Bank | 2 | — | — |
| 8 | RPE Home, Inc | 2 | — | — |
| 9 | Summit Credit Union | 1 | — | 17 |
| 10 | LIMA ONE CAPITAL, LLC | 1 | — | 13 |
| 11 | First Ciitizens Bank and Trust | 1 | — | 2 |
| 12 | MARINE CREDIT UNION | 1 | — | 2 |
| 13 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
| 14 | HORICON BANK | 1 | — | 1 |
| 15 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
DSCR / long-term rental lenders in Racine 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
15 lenders reported short-term, business-purpose investment loans in Racine County in 2024 verified lending records — 37 loans totaling $27.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Racine County's active lenders was 10.99% in 2024, with per-lender medians ranging from 7.75% to 11.25%. 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.