Private & Hard Money Lenders in Sauk County, WI
10 lenders funded 21 short-term investment-property loans in Sauk County in 2024 at a median rate of 8.00%. Ranked by verified loan volume — not paid placement.
Sauk County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | WESTBY CO-OP CREDIT UNION | 12 | 8.00% | 2 |
| 2 | Lake Ridge Bank | 1 | — | 2 |
| 3 | Summit Credit Union | 1 | — | 2 |
| 4 | Merchants Bank, National Association | 1 | — | 1 |
| 5 | PREVAIL BANK | 1 | — | 1 |
| 6 | ROYAL BANK | 1 | — | 1 |
| 7 | HTLF BANK | 1 | — | — |
| 8 | Landmark Credit Union | 1 | — | — |
| 9 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 10 | MIDWESTONE BANK | 1 | — | — |
DSCR / long-term rental lenders in Sauk 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
10 lenders reported short-term, business-purpose investment loans in Sauk County in 2024 verified lending records — 21 loans totaling $18.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Sauk 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.