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 523 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	Skyline Partners	8.69% – 9.98%	Fix-and-flip, DSCR, bridge	Optional	Yes	Yes	7.8 / 10 San Diego
3	Frontier Loans	6.61% – 9.02%	Conventional, FHA, VA, jumbo	Optional	No	Yes	7.7 / 10 San Diego, Los Angeles
4	Granite Lending	9.73% – 12.26%	Conventional, FHA, VA, jumbo	Optional	Yes	Yes	7.6 / 10 San Diego, Los Angeles
5	Piedmont Mortgage	8.80% – 9.90%	Portfolio, CRE, construction	No	Yes	Yes	7.6 / 10 Los Angeles, Bay Area, San Diego
6	Atlantic Bancorp	9.51% – 10.62%	Bridge, new construction	Optional	Yes	Yes	7.4 / 10 San Diego, Bay Area
7	Century Partners	7.35% – 8.20%	Conventional, FHA, VA, jumbo	Optional	No	Yes	7.4 / 10 San Diego, Los Angeles
8	Sequoia Advisors	8.53% – 11.06%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
9	Landmark Partners	8.73% – 10.66%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
10	Granite Loans	8.67% – 9.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
11	Signature Partners	8.61% – 10.42%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.3 / 10 San Diego, Los Angeles
12	CoreVest Finance	7.85% – 9.25%	DSCR, rental portfolio, bridge	No	Yes	No	7.2 / 10
13	Finance of America Commercial	8.60% – 10.50%	Fix-and-flip, DSCR, portfolio	Optional	Yes	No	7.2 / 10
14	Pacific Capital	6.50% – 7.30%	Conventional, jumbo	No	No	Yes	7.2 / 10
15	Beacon Lending	8.55% – 9.60%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.2 / 10 San Diego
16	Silverline Lending	8.93% – 10.26%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
17	Silverline Realty Capital	7.13% – 8.36%	Bridge, new construction	Optional	No	Yes	7.2 / 10 San Diego, Bay Area
18	Bayview Home Loans	10.25% – 11.60%	Bridge, new construction	Optional	Yes	Yes	7.2 / 10 San Diego, Bay Area
19	Palm Advisors	8.87% – 11.04%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
20	Bay Area Partners	9.07% – 10.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
21	Urban Loans	8.63% – 10.76%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.2 / 10 San Diego
22	Keystone Lending	8.81% – 10.02%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.2 / 10 San Diego, Los Angeles
23	Roc Capital	8.95% – 11.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
24	Temple View Capital	8.75% – 10.90%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
25	Civic Financial Services	8.90% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10
26	Summit Partners	9.19% – 10.88%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
27	Riverfront Loans	8.75% – 11.00%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
28	Ironwood Advisors	8.95% – 10.60%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
29	Alpine Funding	9.62% – 10.54%	Conventional, jumbo	No	Yes	Yes	7.1 / 10
30	Southern Loans	9.13% – 11.66%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
31	Pinnacle Advisors	9.33% – 11.26%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
32	Sable Lending	8.89% – 11.38%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
33	Tidewater Home Loans	8.53% – 10.96%	Bridge, new construction	Optional	Yes	No	7.1 / 10 San Diego, Bay Area
34	Metroline Lending	9.27% – 10.24%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.1 / 10 San Diego, Los Angeles
35	Century Advisors	8.83% – 10.36%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.1 / 10 San Diego
36	RCN Capital	9.10% – 11.40%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10
37	Sharestates	9.25% – 11.40%	Fix-and-flip, bridge, new construction	Optional	Yes	No	7.0 / 10
38	Harbor Home Loans	8.65% – 11.20%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
39	Lakeside Lending	9.39% – 10.48%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
40	Meridian Realty Capital	8.85% – 10.80%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
41	Meridian Loans	9.59% – 11.88%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
42	Sequoia Lending	11.07% – 12.24%	Fix-and-flip, DSCR, bridge	Optional	Yes	Yes	7.0 / 10 San Diego
43	Frontier Partners	9.15% – 10.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10 San Diego
44	Pinnacle Bancorp	8.59% – 10.18%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
45	Redwood Financial	8.79% – 9.78%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
46	Redwood Partners	9.53% – 10.86%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
47	Sierra Loans	9.09% – 10.98%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10 San Diego
48	Bayview Partners	6.55% – 8.00%	Conventional, FHA, VA, jumbo	Optional	No	No	7.0 / 10 San Diego, Los Angeles
49	Heritage Realty Capital	8.73% – 10.56%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
50	Heritage Loans	9.47% – 11.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 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.