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 522 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	Frontier Loans	6.61% – 9.02%	Conventional, FHA, VA, jumbo	Optional	No	Yes	7.7 / 10 San Diego, Los Angeles
3	Granite Lending	9.73% – 12.26%	Conventional, FHA, VA, jumbo	Optional	Yes	Yes	7.6 / 10 San Diego, Los Angeles
4	Piedmont Mortgage	8.80% – 9.90%	Portfolio, CRE, construction	No	Yes	Yes	7.6 / 10 Los Angeles, Bay Area, San Diego
5	Century Partners	7.35% – 8.20%	Conventional, FHA, VA, jumbo	Optional	No	Yes	7.4 / 10 San Diego, Los Angeles
6	Sequoia Advisors	8.53% – 11.06%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
7	Landmark Partners	8.73% – 10.66%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
8	Landmark Credit	9.10% – 11.20%	DSCR, bridge	No	Yes	Yes	7.3 / 10 Bay Area, Los Angeles
9	Granite Loans	8.67% – 9.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
10	Signature Partners	8.61% – 10.42%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
11	CoreVest Finance	7.85% – 9.25%	DSCR, rental portfolio, bridge	No	Yes	No	7.2 / 10
12	Finance of America Commercial	8.60% – 10.50%	Fix-and-flip, DSCR, portfolio	Optional	Yes	No	7.2 / 10
13	Pacific Capital	6.50% – 7.30%	Conventional, jumbo	No	No	Yes	7.2 / 10
14	Silverline Lending	8.93% – 10.26%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
15	Palm Advisors	8.87% – 11.04%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
16	Bay Area Partners	9.07% – 10.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
17	Keystone Lending	8.81% – 10.02%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
18	Roc Capital	8.95% – 11.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
19	Temple View Capital	8.75% – 10.90%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
20	Civic Financial Services	8.90% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
21	Summit Partners	9.19% – 10.88%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
22	Alpine Funding	9.62% – 10.54%	Conventional, jumbo	No	Yes	Yes	7.1 / 10
23	Southern Loans	9.13% – 11.66%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
24	Pinnacle Advisors	9.33% – 11.26%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
25	Sable Bridge	6.72% – 8.94%	DSCR, bridge	No	No	Yes	7.1 / 10 Bay Area, Los Angeles
26	Metroline Lending	9.27% – 10.24%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
27	Heritage Underwriters	9.84% – 12.18%	DSCR, bridge	No	Yes	Yes	7.1 / 10 Bay Area, Los Angeles
28	RCN Capital	9.10% – 11.40%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10
29	Sharestates	9.25% – 11.40%	Fix-and-flip, bridge, new construction	Optional	Yes	No	7.0 / 10
30	Lakeside Lending	9.39% – 10.48%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
31	Meridian Loans	9.59% – 11.88%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
32	Redwood Partners	9.53% – 10.86%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
33	Bayview Partners	6.55% – 8.00%	Conventional, FHA, VA, jumbo	Optional	No	No	7.0 / 10 San Diego, Los Angeles
34	Heritage Loans	9.47% – 11.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
35	Pacific Lending	6.87% – 7.84%	Conventional, FHA, VA, jumbo	Optional	No	No	6.9 / 10 San Diego, Los Angeles
36	Pacific Credit	8.72% – 10.54%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
37	Harbor Capital	8.60% – 10.40%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
38	Harbor Investment Group	7.54% – 9.58%	Conventional, jumbo, HELOC	No	No	Yes	6.9 / 10
39	Highland Investment Group	8.80% – 10.00%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
40	Vanguard Advisors	9.79% – 11.48%	Conventional, FHA, VA, jumbo	Optional	Yes	No	6.9 / 10 San Diego, Los Angeles
41	Sunbelt Advisors	6.81% – 8.62%	Conventional, FHA, VA, jumbo	Optional	No	No	6.9 / 10 San Diego, Los Angeles
42	Sunbelt Underwriters	8.66% – 9.52%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
43	Eastwind Capital	10.66% – 12.82%	Conventional, jumbo, HELOC	No	Yes	Yes	6.9 / 10
44	Cardinal Funding	8.74% – 10.78%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
45	Bridgeport Lending	6.75% – 7.60%	Conventional, FHA, VA, jumbo	Optional	No	No	6.9 / 10 San Diego, Los Angeles
46	Bridgeport Credit	8.60% – 10.30%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
47	Downtown Investment Group	8.68% – 9.76%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
48	Prime Investment Group	10.36% – 11.52%	Conventional, jumbo	No	Yes	Yes	6.9 / 10
49	Elite Advisors	9.67% – 11.24%	Conventional, FHA, VA, jumbo	Optional	Yes	No	6.9 / 10 San Diego, Los Angeles
50	Compass Partners	9.87% – 10.84%	Conventional, FHA, VA, jumbo	Optional	Yes	No	6.9 / 10 San Diego, Los Angeles

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.