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 363 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	Bedrock Home Loans	8.91% – 9.82%	Non-QM, DSCR, bank statement	Optional	Yes	Yes	7.8 / 10 Miami, South Carolina
3	CoreVest Finance	7.85% – 9.25%	DSCR, rental portfolio, bridge	No	Yes	No	7.2 / 10
4	Finance of America Commercial	8.60% – 10.50%	Fix-and-flip, DSCR, portfolio	Optional	Yes	No	7.2 / 10
5	Pacific Capital	6.50% – 7.30%	Conventional, jumbo	No	No	Yes	7.2 / 10
6	Riverfront Financial	10.55% – 12.90%	Non-QM, DSCR, bank statement	Optional	Yes	Yes	7.2 / 10 Miami, South Carolina
7	Crescent Bancorp	8.63% – 10.86%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.2 / 10 Miami, South Carolina
8	Sable Home Loans	8.57% – 9.84%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.2 / 10 Miami, South Carolina
9	Prime Bancorp	8.51% – 10.62%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.2 / 10 Miami, South Carolina
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	Cascade Financial	8.83% – 10.46%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.1 / 10 Miami, South Carolina
14	Alpine Funding	9.62% – 10.54%	Conventional, jumbo	No	Yes	Yes	7.1 / 10
15	Bayview Realty Capital	8.77% – 11.24%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.1 / 10 Miami, South Carolina
16	Trident Financial	8.71% – 10.22%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.1 / 10 Miami, South Carolina
17	RCN Capital	9.10% – 11.40%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10
18	Sharestates	9.25% – 11.40%	Fix-and-flip, bridge, new construction	Optional	Yes	No	7.0 / 10
19	Pacific Bancorp	9.09% – 11.08%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
20	Sunbelt Home Loans	9.03% – 10.06%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
21	Eastwind Realty Capital	9.23% – 11.46%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
22	Westgate Bancorp	8.17% – 10.64%	Non-QM, DSCR, bank statement	Optional	No	Yes	7.0 / 10 Miami, South Carolina
23	Bridgeport Bancorp	8.97% – 10.84%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
24	Piedmont Financial	9.17% – 10.44%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
25	Beacon Financial	9.29% – 10.68%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
26	Harbor Capital	8.60% – 10.40%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
27	Harbor Investment Group	7.54% – 9.58%	Conventional, jumbo, HELOC	No	No	Yes	6.9 / 10
28	Riverfront Home Loans	9.49% – 12.08%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
29	Highland Investment Group	8.80% – 10.00%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
30	Vanguard Home Loans	6.51% – 7.42%	Non-QM, DSCR, bank statement	Optional	No	No	6.9 / 10 Miami, South Carolina
31	Eastwind Capital	10.66% – 12.82%	Conventional, jumbo, HELOC	No	Yes	Yes	6.9 / 10
32	Skyline Bancorp	9.43% – 11.06%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
33	Cardinal Funding	8.74% – 10.78%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
34	Emerald Financial	9.21% – 11.12%	DSCR, bridge, hard money	Yes	Yes	Yes	6.9 / 10 Miami
35	Bay Area Realty Capital	11.29% – 13.88%	Non-QM, DSCR, bank statement	Optional	Yes	Yes	6.9 / 10 Miami, South Carolina
36	Urban Home Loans	9.37% – 11.84%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
37	Downtown Investment Group	8.68% – 9.76%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
38	Prime Investment Group	10.36% – 11.52%	Conventional, jumbo	No	Yes	Yes	6.9 / 10
39	Lima One Capital	9.00% – 11.25%	Fix-and-flip, DSCR, bridge	No	Yes	No	6.8 / 10
40	Ironwood Realty Capital	9.69% – 11.68%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.8 / 10 Miami, South Carolina
41	Alpine Realty Capital	6.71% – 8.82%	Non-QM, DSCR, bank statement	Optional	No	No	6.8 / 10 Miami, South Carolina
42	Silverline Capital	8.56% – 9.72%	Conventional, jumbo	No	Yes	No	6.8 / 10
43	Sable Financial	9.63% – 10.66%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.8 / 10 Miami, South Carolina
44	Copper Capital	8.94% – 10.38%	Conventional, jumbo, HELOC	No	Yes	No	6.8 / 10
45	Palm Financial	6.65% – 7.80%	Non-QM, DSCR, bank statement	Optional	No	No	6.8 / 10 Miami, South Carolina
46	Bay Area Funding	8.70% – 10.10%	Conventional, jumbo	No	Yes	No	6.8 / 10
47	Century Realty Capital	9.57% – 11.44%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.8 / 10 Miami, South Carolina
48	Reserve Bancorp	9.77% – 11.04%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.8 / 10 Miami, South Carolina
49	Trident Funding	9.08% – 10.76%	Conventional, jumbo, HELOC	No	Yes	No	6.8 / 10
50	Compass Realty Capital	6.59% – 8.58%	Non-QM, DSCR, bank statement	Optional	No	No	6.8 / 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.