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 521 filtered 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	Piedmont Mortgage	8.80% – 9.90%	Portfolio, CRE, construction	No	Yes	Yes	7.6 / 10 Los Angeles, Bay Area, San Diego
3	Atlantic Bancorp	9.51% – 10.62%	Bridge, new construction	Optional	Yes	Yes	7.4 / 10 San Diego, Bay Area
4	Landmark Credit	9.10% – 11.20%	DSCR, bridge	No	Yes	Yes	7.3 / 10 Bay Area, Los Angeles
5	CoreVest Finance	7.85% – 9.25%	DSCR, rental portfolio, bridge	No	Yes	No	7.2 / 10
6	Finance of America Commercial	8.60% – 10.50%	Fix-and-flip, DSCR, portfolio	Optional	Yes	No	7.2 / 10
7	Pacific Capital	6.50% – 7.30%	Conventional, jumbo	No	No	Yes	7.2 / 10
8	Silverline Realty Capital	7.13% – 8.36%	Bridge, new construction	Optional	No	Yes	7.2 / 10 San Diego, Bay Area
9	Bayview Home Loans	10.25% – 11.60%	Bridge, new construction	Optional	Yes	Yes	7.2 / 10 San Diego, Bay Area
10	Roc Capital	8.95% – 11.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
11	Temple View Capital	8.75% – 10.90%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
12	Civic Financial Services	8.90% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
13	Summit Underwriters	7.02% – 8.44%	Conventional, jumbo, CRE	No	No	Yes	7.1 / 10 Bay Area
14	Alpine Funding	9.62% – 10.54%	Conventional, jumbo	No	Yes	Yes	7.1 / 10
15	Coastal Mortgage	10.14% – 11.68%	Conventional, jumbo, CRE	No	Yes	Yes	7.1 / 10 Bay Area
16	Sable Bridge	6.72% – 8.94%	DSCR, bridge	No	No	Yes	7.1 / 10 Bay Area, Los Angeles
17	Tidewater Home Loans	8.53% – 10.96%	Bridge, new construction	Optional	Yes	No	7.1 / 10 San Diego, Bay Area
18	Heritage Underwriters	9.84% – 12.18%	DSCR, bridge	No	Yes	Yes	7.1 / 10 Bay Area, Los Angeles
19	RCN Capital	9.10% – 11.40%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10
20	Sharestates	9.25% – 11.40%	Fix-and-flip, bridge, new construction	Optional	Yes	No	7.0 / 10
21	Harbor Home Loans	8.65% – 11.20%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
22	Meridian Realty Capital	8.85% – 10.80%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
23	Pinnacle Bancorp	8.59% – 10.18%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
24	Redwood Financial	8.79% – 9.78%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
25	Heritage Realty Capital	8.73% – 10.56%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
26	Pacific Credit	8.72% – 10.54%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
27	Harbor Capital	8.60% – 10.40%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
28	Harbor Investment Group	7.54% – 9.58%	Conventional, jumbo, HELOC	No	No	Yes	6.9 / 10
29	Highland Investment Group	8.80% – 10.00%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
30	Vanguard Credit	8.68% – 9.86%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
31	Vanguard Bancorp	9.05% – 10.40%	Bridge, new construction	Optional	Yes	No	6.9 / 10 San Diego, Bay Area
32	Sunbelt Underwriters	8.66% – 9.52%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
33	Eastwind Capital	10.66% – 12.82%	Conventional, jumbo, HELOC	No	Yes	Yes	6.9 / 10
34	Cardinal Funding	8.74% – 10.78%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
35	Copper Underwriters	8.62% – 10.64%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
36	Copper Home Loans	8.99% – 11.18%	Bridge, new construction	Optional	Yes	No	6.9 / 10 San Diego, Bay Area
37	Foothill Bridge	8.82% – 10.24%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
38	Palm Credit	7.76% – 9.42%	Conventional, jumbo, CRE	No	No	Yes	6.9 / 10 Bay Area
39	Bridgeport Credit	8.60% – 10.30%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
40	Downtown Investment Group	8.68% – 9.76%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
41	Prime Investment Group	10.36% – 11.52%	Conventional, jumbo	No	Yes	Yes	6.9 / 10
42	Elite Credit	8.56% – 9.62%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
43	Elite Bancorp	8.93% – 10.16%	Bridge, new construction	Optional	Yes	No	6.9 / 10 San Diego, Bay Area
44	Signature Financial	7.87% – 9.34%	Bridge, new construction	Optional	No	Yes	6.9 / 10 San Diego, Bay Area
45	Compass Mortgage	8.76% – 11.02%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
46	Compass Financial	9.13% – 11.56%	Bridge, new construction	Optional	Yes	No	6.9 / 10 San Diego, Bay Area
47	Bedrock Underwriters	8.54% – 11.08%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
48	Lima One Capital	9.00% – 11.25%	Fix-and-flip, DSCR, bridge	No	Yes	No	6.8 / 10
49	Cornerstone Mortgage	8.50% – 10.60%	DSCR, bridge	No	Yes	No	6.8 / 10 Bay Area, Los Angeles
50	Beacon Mortgage	8.92% – 10.14%	Portfolio, CRE, construction	No	Yes	No	6.8 / 10 Los Angeles, Bay Area, San Diego

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.