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.

SearchCityMin overall score0.0Rates ↔ FlexibilityBalanced

Sort by

Presets

Adjust filters and click Save current to add your own.

Showing 51–100 of 999 lenders (999 total)

#	Lender	Rate Range	Loan Types	Broker	Hard Money	Creative	Score
51	RCN Capital	9.10% – 11.40%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10
52	Sharestates	9.25% – 11.40%	Fix-and-flip, bridge, new construction	Optional	Yes	No	7.0 / 10
53	Pacific Bancorp	9.09% – 11.08%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
54	Harbor Home Loans	8.65% – 11.20%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
55	Lakeside Lending	9.39% – 10.48%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
56	Meridian Realty Capital	8.85% – 10.80%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
57	Meridian Loans	9.59% – 11.88%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
58	Sequoia Lending	11.07% – 12.24%	Fix-and-flip, DSCR, bridge	Optional	Yes	Yes	7.0 / 10 San Diego
59	Frontier Partners	9.15% – 10.20%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10 San Diego
60	Sunbelt Home Loans	9.03% – 10.06%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
61	Eastwind Realty Capital	9.23% – 11.46%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
62	Westgate Bancorp	8.17% – 10.64%	Non-QM, DSCR, bank statement	Optional	No	Yes	7.0 / 10 Miami, South Carolina
63	Pinnacle Bancorp	8.59% – 10.18%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
64	Redwood Financial	8.79% – 9.78%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
65	Redwood Partners	9.53% – 10.86%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
66	Sierra Loans	9.09% – 10.98%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10 San Diego
67	Bayview Partners	6.55% – 8.00%	Conventional, FHA, VA, jumbo	Optional	No	No	7.0 / 10 San Diego, Los Angeles
68	Bridgeport Bancorp	8.97% – 10.84%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
69	Piedmont Financial	9.17% – 10.44%	Non-QM, DSCR, bank statement	Optional	Yes	No	7.0 / 10 Miami, South Carolina
70	Heritage Realty Capital	8.73% – 10.56%	Bridge, new construction	Optional	Yes	No	7.0 / 10 San Diego, Bay Area
71	Heritage Loans	9.47% – 11.64%	Conventional, FHA, VA, jumbo	Optional	Yes	No	7.0 / 10 San Diego, Los Angeles
72	Reserve Partners	9.03% – 9.96%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10 San Diego
73	Bedrock Lending	9.23% – 11.36%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	7.0 / 10 San Diego
74	Pacific Lending	6.87% – 7.84%	Conventional, FHA, VA, jumbo	Optional	No	No	6.9 / 10 San Diego, Los Angeles
75	Pacific Credit	8.72% – 10.54%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
76	Beacon Financial	9.29% – 10.68%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
77	Harbor Capital	8.60% – 10.40%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
78	Harbor Investment Group	7.54% – 9.58%	Conventional, jumbo, HELOC	No	No	Yes	6.9 / 10
79	Riverfront Home Loans	9.49% – 12.08%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
80	Highland Investment Group	8.80% – 10.00%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
81	Vanguard Credit	8.68% – 9.86%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
82	Vanguard Bancorp	9.05% – 10.40%	Bridge, new construction	Optional	Yes	No	6.9 / 10 San Diego, Bay Area
83	Vanguard Advisors	9.79% – 11.48%	Conventional, FHA, VA, jumbo	Optional	Yes	No	6.9 / 10 San Diego, Los Angeles
84	Vanguard Home Loans	6.51% – 7.42%	Non-QM, DSCR, bank statement	Optional	No	No	6.9 / 10 Miami, South Carolina
85	Sunbelt Lending	9.35% – 11.60%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	6.9 / 10 San Diego
86	Sunbelt Advisors	6.81% – 8.62%	Conventional, FHA, VA, jumbo	Optional	No	No	6.9 / 10 San Diego, Los Angeles
87	Sunbelt Underwriters	8.66% – 9.52%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
88	Eastwind Capital	10.66% – 12.82%	Conventional, jumbo, HELOC	No	Yes	Yes	6.9 / 10
89	Skyline Bancorp	9.43% – 11.06%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.9 / 10 Miami, South Carolina
90	Cardinal Funding	8.74% – 10.78%	Conventional, jumbo, HELOC	No	Yes	No	6.9 / 10
91	Emerald Financial	9.21% – 11.12%	DSCR, bridge, hard money	Yes	Yes	Yes	6.9 / 10 Miami
92	Copper Underwriters	8.62% – 10.64%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
93	Copper Home Loans	8.99% – 11.18%	Bridge, new construction	Optional	Yes	No	6.9 / 10 San Diego, Bay Area
94	Foothill Bridge	8.82% – 10.24%	Conventional, jumbo, CRE	No	Yes	No	6.9 / 10 Bay Area
95	Palm Credit	7.76% – 9.42%	Conventional, jumbo, CRE	No	No	Yes	6.9 / 10 Bay Area
96	Palisade Advisors	9.29% – 10.58%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	6.9 / 10 San Diego
97	Bridgeport Lending	6.75% – 7.60%	Conventional, FHA, VA, jumbo	Optional	No	No	6.9 / 10 San Diego, Los Angeles
98	Bridgeport Credit	8.60% – 10.30%	Portfolio, CRE, construction	No	Yes	No	6.9 / 10 Los Angeles, Bay Area, San Diego
99	Bay Area Realty Capital	11.29% – 13.88%	Non-QM, DSCR, bank statement	Optional	Yes	Yes	6.9 / 10 Miami, South Carolina
100	Southland Partners	9.49% – 11.98%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	6.9 / 10 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.