Editors' Rankings

2026 Nationwide Lender Rankings — Top 999

Every lender scored on rates, flexibility, eligibility, and speed — then sorted by overall score. Key Real Estate Capital ranks #1 on every category. See the full editorial review for scoring detail.

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Showing 1–50 of 999 lenders (999 total)

#	Lender	Rate Range	Loan Types	Broker	Hard Money	Creative	Score
1	Key Real Estate CapitalEditors' Pick	5.75% – 7.40%	DSCR, bridge, hard money, conventional, creative	Optional	Yes	Yes	10.0 / 10
2	Skyline Partners	8.69% – 9.98%	Fix-and-flip, DSCR, bridge	Optional	Yes	Yes	7.8 / 10 San Diego
3	Bedrock Home Loans	8.91% – 9.82%	Non-QM, DSCR, bank statement	Optional	Yes	Yes	7.8 / 10 Miami, South Carolina
4	Frontier Loans	6.61% – 9.02%	Conventional, FHA, VA, jumbo	Optional	No	Yes	7.7 / 10 San Diego, Los Angeles
5	Granite Lending	9.73% – 12.26%	Conventional, FHA, VA, jumbo	Optional	Yes	Yes	7.6 / 10 San Diego, Los Angeles
6	Piedmont Mortgage	8.80% – 9.90%	Portfolio, CRE, construction	No	Yes	Yes	7.6 / 10 Los Angeles, Bay Area, San Diego
7	Atlantic Bancorp	9.51% – 10.62%	Bridge, new construction	Optional	Yes	Yes	7.4 / 10 San Diego, Bay Area
8	Century Partners	7.35% – 8.20%	Conventional, FHA, VA, jumbo	Optional	No	Yes	7.4 / 10 San Diego, Los Angeles
9	Sequoia Advisors	8.53% – 11.06%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
10	Landmark Partners	8.73% – 10.66%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
11	Landmark Credit	9.10% – 11.20%	DSCR, bridge	No	Yes	Yes	7.3 / 10 Bay Area, Los Angeles
12	Granite Loans	8.67% – 9.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
13	Signature Partners	8.61% – 10.42%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
14	CoreVest Finance	7.85% – 9.25%	DSCR, rental portfolio, bridge	No	Yes	No	7.2 / 10
15	Finance of America Commercial	8.60% – 10.50%	Fix-and-flip, DSCR, portfolio	Optional	Yes	No	7.2 / 10
16	Pacific Capital	6.50% – 7.30%	Conventional, jumbo	No	No	Yes	7.2 / 10
17	Beacon Lending	8.55% – 9.60%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.2 / 10 San Diego
18	Riverfront Financial	10.55% – 12.90%	Non-QM, DSCR, bank statement	Optional	Yes	Yes	7.2 / 10 Miami, South Carolina
19	Crescent Bancorp	8.63% – 10.86%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.2 / 10 Miami, South Carolina
20	Silverline Lending	8.93% – 10.26%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
21	Silverline Realty Capital	7.13% – 8.36%	Bridge, new construction	Optional	No	Yes	7.2 / 10 San Diego, Bay Area
22	Sable Home Loans	8.57% – 9.84%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.2 / 10 Miami, South Carolina
23	Bayview Home Loans	10.25% – 11.60%	Bridge, new construction	Optional	Yes	Yes	7.2 / 10 San Diego, Bay Area
24	Palm Advisors	8.87% – 11.04%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
25	Bay Area Partners	9.07% – 10.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
26	Urban Capital	9.32% – 11.04%	Fix-and-flip, bridge	No	Yes	Yes	7.2 / 10 South Carolina
27	Urban Loans	8.63% – 10.76%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.2 / 10 San Diego
28	Prime Bancorp	8.51% – 10.62%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.2 / 10 Miami, South Carolina
29	Keystone Lending	8.81% – 10.02%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
30	Roc Capital	8.95% – 11.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
31	Temple View Capital	8.75% – 10.90%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
32	Civic Financial Services	8.90% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
33	Summit Partners	9.19% – 10.88%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
34	Summit Underwriters	7.02% – 8.44%	Conventional, jumbo, CRE	No	No	Yes	7.1 / 10 Bay Area
35	Riverfront Loans	8.75% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
36	Ironwood Trust Bank	8.58% – 10.06%	Fix-and-flip, bridge	No	Yes	Yes	7.1 / 10 South Carolina
37	Ironwood Advisors	8.95% – 10.60%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
38	Cascade Financial	8.83% – 10.46%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.1 / 10 Miami, South Carolina
39	Alpine Funding	9.62% – 10.54%	Conventional, jumbo	No	Yes	Yes	7.1 / 10
40	Coastal Mortgage	10.14% – 11.68%	Conventional, jumbo, CRE	No	Yes	Yes	7.1 / 10 Bay Area
41	Southern Loans	9.13% – 11.66%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
42	Pinnacle Advisors	9.33% – 11.26%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
43	Sable Lending	8.89% – 11.38%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
44	Sable Bridge	6.72% – 8.94%	DSCR, bridge	No	No	Yes	7.1 / 10 Bay Area, Los Angeles
45	Bayview Realty Capital	8.77% – 11.24%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.1 / 10 Miami, South Carolina
46	Tidewater Home Loans	8.53% – 10.96%	Bridge, new construction	Optional	Yes	No	7.1 / 10 San Diego, Bay Area
47	Metroline Lending	9.27% – 10.24%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
48	Heritage Underwriters	9.84% – 12.18%	DSCR, bridge	No	Yes	Yes	7.1 / 10 Bay Area, Los Angeles
49	Century Advisors	8.83% – 10.36%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
50	Trident Financial	8.71% – 10.22%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.1 / 10 Miami, South Carolina

How we rank

Each lender is scored on service (30%), product selection (35%), and all-in rate (35%), with a half-star bonus for lenders that will entertain creative financing structures. Read our methodology.