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 201–250 of 999 lenders (999 total)

#	Lender	Rate Range	Loan Types	Broker	Hard Money	Creative	Score
201	Foothill Partners	6.97% – 9.34%	Fix-and-flip, DSCR, bridge	Optional	No	No	6.7 / 10 San Diego
202	Palisade Realty Capital	10.03% – 11.66%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.7 / 10 Miami, South Carolina
203	Golden State Funding	8.28% – 10.56%	Conventional, jumbo, HELOC	No	No	Yes	6.7 / 10
204	Golden State Home Loans	6.85% – 9.20%	Non-QM, DSCR, bank statement	Optional	No	No	6.7 / 10 Miami, South Carolina
205	Tidewater Mortgage	9.22% – 11.24%	Conventional, jumbo, CRE	No	Yes	No	6.7 / 10 Bay Area
206	Tidewater Financial	9.59% – 11.78%	Bridge, new construction	Optional	Yes	No	6.7 / 10 San Diego, Bay Area
207	Tidewater Partners	10.33% – 12.86%	Conventional, FHA, VA, jumbo	Optional	Yes	No	6.7 / 10 San Diego, Los Angeles
208	Tidewater Realty Capital	7.05% – 8.80%	Non-QM, DSCR, bank statement	Optional	No	No	6.7 / 10 Miami, South Carolina
209	Metroline Capital	8.90% – 9.70%	Conventional, jumbo	No	Yes	No	6.7 / 10
210	Downtown Bancorp	6.83% – 8.86%	DSCR, bridge, hard money	Yes	No	Yes	6.7 / 10 Miami
211	Legacy Bridge	8.78% – 11.36%	DSCR, bridge	No	Yes	No	6.7 / 10 Bay Area, Los Angeles
212	Legacy Loans	9.89% – 11.18%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	6.7 / 10 San Diego
213	Century Financial	6.61% – 8.92%	Bridge, new construction	Optional	No	No	6.7 / 10 San Diego, Bay Area
214	Century Bridge	9.20% – 10.90%	Portfolio, CRE, construction	No	Yes	No	6.7 / 10 Los Angeles, Bay Area, San Diego
215	Signature Credit	8.98% – 10.96%	DSCR, bridge	No	Yes	No	6.7 / 10 Bay Area, Los Angeles
216	Signature Advisors	10.09% – 12.58%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	6.7 / 10 San Diego
217	Trident Loans	6.91% – 8.32%	Fix-and-flip, DSCR, bridge	Optional	No	No	6.7 / 10 San Diego
218	Bedrock Capital	8.86% – 10.82%	Fix-and-flip, bridge	No	Yes	No	6.7 / 10 South Carolina
219	Bedrock Financial	9.97% – 12.44%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.7 / 10 Miami, South Carolina
220	Hartland Capital	9.28% – 10.36%	Conventional, jumbo, HELOC	No	Yes	No	6.7 / 10
221	loanDepot	7.40% – 8.25%	Conventional, FHA, VA, jumbo, HELOC	No	No	No	6.6 / 10
222	CrossCountry Mortgage	7.20% – 8.00%	Conventional, FHA, VA, jumbo, DSCR	No	No	No	6.6 / 10
223	New American Funding	7.20% – 8.05%	Conventional, FHA, VA, jumbo, DSCR	No	No	No	6.6 / 10
224	Caliber Home Loans	7.25% – 8.10%	Conventional, FHA, VA, jumbo, non-QM	No	No	No	6.6 / 10
225	Renovo Financial	9.40% – 11.70%	Fix-and-flip, bridge, new construction	No	Yes	No	6.6 / 10
226	LendingHome (Kiavi predecessor)	9.10% – 11.30%	Fix-and-flip, bridge	No	Yes	No	6.6 / 10
227	Atlantic Lending	7.29% – 9.18%	Fix-and-flip, DSCR, bridge	Optional	No	No	6.6 / 10 San Diego
228	Atlantic Underwriters	6.60% – 8.90%	Portfolio, CRE, construction	No	No	No	6.6 / 10 Los Angeles, Bay Area, San Diego
229	Cornerstone Funding	9.24% – 11.68%	Fix-and-flip, bridge	No	Yes	No	6.6 / 10 South Carolina
230	Cornerstone Bancorp	10.35% – 11.50%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.6 / 10 Miami, South Carolina
231	Beacon Funding	9.66% – 11.22%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
232	Harbor Realty Capital	7.17% – 9.04%	Non-QM, DSCR, bank statement	Optional	No	No	6.6 / 10 Miami, South Carolina
233	Lakeside Capital	9.02% – 9.94%	Conventional, jumbo	No	Yes	No	6.6 / 10
234	Highland Underwriters	9.54% – 11.08%	Conventional, jumbo, CRE	No	Yes	No	6.6 / 10 Bay Area
235	Highland Home Loans	9.91% – 11.62%	Bridge, new construction	Optional	Yes	No	6.6 / 10 San Diego, Bay Area
236	Meridian Lending	10.65% – 12.70%	Conventional, FHA, VA, jumbo	Optional	Yes	No	6.6 / 10 San Diego, Los Angeles
237	Meridian Bancorp	7.37% – 8.64%	Non-QM, DSCR, bank statement	Optional	No	No	6.6 / 10 Miami, South Carolina
238	Meridian Investment Group	9.22% – 11.34%	Conventional, jumbo	No	Yes	No	6.6 / 10
239	Ironwood Financial	6.73% – 9.16%	Bridge, new construction	Optional	No	No	6.6 / 10 San Diego, Bay Area
240	Landmark Advisors	10.21% – 11.02%	Fix-and-flip, DSCR, bridge	Optional	Yes	No	6.6 / 10 San Diego
241	Landmark Underwriters	6.56% – 8.22%	Conventional, jumbo, CRE	No	No	No	6.6 / 10 Bay Area
242	Landmark Home Loans	6.93% – 8.76%	Bridge, new construction	Optional	No	No	6.6 / 10 San Diego, Bay Area
243	Frontier Lending	7.67% – 9.84%	Conventional, FHA, VA, jumbo	Optional	No	No	6.6 / 10 San Diego, Los Angeles
244	Frontier Credit	9.52% – 10.74%	Portfolio, CRE, construction	No	Yes	No	6.6 / 10 Los Angeles, Bay Area, San Diego
245	Coastal Capital	9.40% – 10.60%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 10
246	Coastal Advisors	7.23% – 8.16%	Fix-and-flip, DSCR, bridge	Optional	No	No	6.6 / 10 San Diego
247	Southern Credit	6.54% – 7.88%	Portfolio, CRE, construction	No	No	No	6.6 / 10 Los Angeles, Bay Area, San Diego
248	Northern Investment Group	9.18% – 10.66%	Fix-and-flip, bridge	No	Yes	No	6.6 / 10 South Carolina
249	Northern Home Loans	10.29% – 12.28%	Non-QM, DSCR, bank statement	Optional	Yes	No	6.6 / 10 Miami, South Carolina
250	Eastwind Investment Group	9.60% – 12.00%	Conventional, jumbo, HELOC	No	Yes	No	6.6 / 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.