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 201 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	CoreVest Finance	7.85% – 9.25%	DSCR, rental portfolio, bridge	No	Yes	No	7.2 / 10
3	Finance of America Commercial	8.60% – 10.50%	Fix-and-flip, DSCR, portfolio	Optional	Yes	No	7.2 / 10
4	Pacific Capital	6.50% – 7.30%	Conventional, jumbo	No	No	Yes	7.2 / 10
5	Roc Capital	8.95% – 11.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
6	Temple View Capital	8.75% – 10.90%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
7	Civic Financial Services	8.90% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
8	Alpine Funding	9.62% – 10.54%	Conventional, jumbo	No	Yes	Yes	7.1 / 10
9	RCN Capital	9.10% – 11.40%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10
10	Sharestates	9.25% – 11.40%	Fix-and-flip, bridge, new construction	Optional	Yes	No	7.0 / 10
11	Harbor Capital	8.60% – 10.40%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
12	Harbor Investment Group	7.54% – 9.58%	Conventional, jumbo, HELOC	No	No	Yes	6.9 / 10
13	Highland Investment Group	8.80% – 10.00%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
14	Eastwind Capital	10.66% – 12.82%	Conventional, jumbo, HELOC	No	Yes	Yes	6.9 / 10
15	Cardinal Funding	8.74% – 10.78%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
16	Downtown Investment Group	8.68% – 9.76%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
17	Prime Investment Group	10.36% – 11.52%	Conventional, jumbo	No	Yes	Yes	6.9 / 10
18	Lima One Capital	9.00% – 11.25%	Fix-and-flip, DSCR, bridge	No	Yes	No	6.8 / 10
19	Silverline Capital	8.56% – 9.72%	Conventional, jumbo	No	Yes	No	6.8 / 10
20	Copper Capital	8.94% – 10.38%	Conventional, jumbo, HELOC	No	Yes	No	6.8 / 10
21	Bay Area Funding	8.70% – 10.10%	Conventional, jumbo	No	Yes	No	6.8 / 10
22	Trident Funding	9.08% – 10.76%	Conventional, jumbo, HELOC	No	Yes	No	6.8 / 10
23	Kiavi	9.25% – 11.50%	Fix-and-flip, DSCR, bridge	No	Yes	No	6.7 / 10
24	Summit Funding	8.82% – 10.34%	Conventional, jumbo	No	Yes	No	6.7 / 10
25	Cascade Funding	9.20% – 11.00%	Conventional, jumbo, HELOC	No	Yes	No	6.7 / 10
26	Southern Investment Group	8.76% – 11.12%	Conventional, jumbo	No	Yes	No	6.7 / 10
27	Bayview Investment Group	9.14% – 9.98%	Conventional, jumbo, HELOC	No	Yes	No	6.7 / 10
28	Golden State Funding	8.28% – 10.56%	Conventional, jumbo, HELOC	No	No	Yes	6.7 / 10
29	Metroline Capital	8.90% – 9.70%	Conventional, jumbo	No	Yes	No	6.7 / 10
30	Hartland Capital	9.28% – 10.36%	Conventional, jumbo, HELOC	No	Yes	No	6.7 / 10
31	loanDepot	7.40% – 8.25%	Conventional, FHA, VA, jumbo, HELOC	No	No	No	6.6 / 10
32	CrossCountry Mortgage	7.20% – 8.00%	Conventional, FHA, VA, jumbo, DSCR	No	No	No	6.6 / 10
33	New American Funding	7.20% – 8.05%	Conventional, FHA, VA, jumbo, DSCR	No	No	No	6.6 / 10
34	Caliber Home Loans	7.25% – 8.10%	Conventional, FHA, VA, jumbo, non-QM	No	No	No	6.6 / 10
35	Renovo Financial	9.40% – 11.70%	Fix-and-flip, bridge, new construction	No	Yes	No	6.6 / 10
36	LendingHome (Kiavi predecessor)	9.10% – 11.30%	Fix-and-flip, bridge	No	Yes	No	6.6 / 10
37	Beacon Funding	9.66% – 11.22%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
38	Lakeside Capital	9.02% – 9.94%	Conventional, jumbo	No	Yes	No	6.6 / 10
39	Meridian Investment Group	9.22% – 11.34%	Conventional, jumbo	No	Yes	No	6.6 / 10
40	Coastal Capital	9.40% – 10.60%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
41	Eastwind Investment Group	9.60% – 12.00%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
42	Westgate Trust Bank	8.54% – 9.38%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
43	Redwood Funding	9.16% – 10.32%	Conventional, jumbo	No	Yes	No	6.6 / 10
44	Redwood Investment Group	6.62% – 9.14%	Conventional, jumbo, HELOC	No	No	No	6.6 / 10
45	Piedmont Funding	9.54% – 10.98%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
46	Heritage Investment Group	9.10% – 11.10%	Conventional, jumbo	No	Yes	No	6.6 / 10
47	Legacy Funding	6.56% – 8.12%	Conventional, jumbo, HELOC	No	No	No	6.6 / 10
48	Guild Mortgage	7.10% – 7.95%	Conventional, FHA, VA, jumbo	No	No	No	6.5 / 10
49	Rocket Mortgage	7.30% – 8.15%	Conventional, FHA, VA, jumbo	No	No	No	6.5 / 10
50	PennyMac	7.15% – 8.00%	Conventional, FHA, VA, jumbo	No	No	No	6.5 / 10

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.