Private & Hard Money Lenders in Winnebago County, WI
12 lenders funded 61 short-term investment-property loans in Winnebago County in 2024 at a median rate of 8.25%. Ranked by verified loan volume — not paid placement.
Winnebago County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Nicolet National Bank | 33 | 8.25% | 3 |
| 2 | HORICON BANK | 6 | 7.75% | 5 |
| 3 | KIAVI FUNDING, INC. | 6 | 11.25% | 5 |
| 4 | VERVE, A CREDIT UNION | 4 | 8.50% | 16 |
| 5 | Community First Credit Union | 3 | 6.50% | 20 |
| 6 | Fox Communities Credit Union | 2 | — | 12 |
| 7 | COVANTAGE CREDIT UNION | 2 | — | 2 |
| 8 | US BANK, N.A. | 1 | — | 4 |
| 9 | CAPITAL CREDIT UNION | 1 | — | 3 |
| 10 | NATIONAL EXCHANGE BANK & TRUST | 1 | — | 1 |
| 11 | ABBYBANK | 1 | — | — |
| 12 | Old National Bank | 1 | — | — |
DSCR / long-term rental lenders in Winnebago 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
12 lenders reported short-term, business-purpose investment loans in Winnebago County in 2024 verified lending records — 61 loans totaling $24.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Winnebago County's active lenders was 8.25% in 2024, with per-lender medians ranging from 6.50% 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.