Private & Hard Money Lenders in California
78 lenders funded 8,575 short-term investment-property loans ($11.6B) across California in 2024, at a median note rate of 10.75%. Ranked by verified loan volume — not paid placement.
2024 verified lending records·Pulled 2026-09-01
Top 10 hard money lenders in California by 2024 loan count
| # | Lender | Hard money loans | Median rate |
|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 2,958 | 10.75% |
| 2 | Conventus Lending LLC | 893 | 10.49% |
| 3 | VAL-CHRIS INVESTMENTS INC. | 749 | 13.50% |
| 4 | Genesis Capital, LLC | 559 | 9.50% |
| 5 | Merchants Mortgage & Trust Corporation | 558 | 10.00% |
| 6 | Easy Street Capital LLC | 535 | 10.50% |
| 7 | Sundae Funding | 342 | 10.50% |
| 8 | Loan Funder LLC | 275 | 10.75% |
| 9 | Equity Wave Lending, Inc. | 258 | 12.99% |
| 10 | Mackillie Inc | 216 | 11.00% |
California hard money lending by county
Counties with at least 3 active lenders have a full directory page.
Los Angeles County
54 lenders · 2,518 loans
San Diego County
42 lenders · 969 loans
Orange County
34 lenders · 720 loans
San Bernardino County
26 lenders · 572 loans
Riverside County
31 lenders · 519 loans
Sacramento County
24 lenders · 403 loans
Alameda County
28 lenders · 384 loans
Santa Clara County
27 lenders · 380 loans
Contra Costa County
23 lenders · 234 loans
San Mateo County
20 lenders · 191 loans
Fresno County
18 lenders · 188 loans
Kern County
16 lenders · 165 loans
San Francisco County
23 lenders · 130 loans
San Joaquin County
10 lenders · 119 loans
Solano County
15 lenders · 105 loans
Stanislaus County
14 lenders · 99 loans
Monterey County
13 lenders · 98 loans
Ventura County
24 lenders · 85 loans
Santa Barbara County
16 lenders · 82 loans
Placer County
13 lenders · 74 loans
Sonoma County
16 lenders · 64 loans
Tulare County
10 lenders · 63 loans
Marin County
15 lenders · 43 loans
Santa Cruz County
10 lenders · 40 loans
San Luis Obispo County
8 lenders · 38 loans
Merced County
8 lenders · 37 loans
Kings County
5 lenders · 32 loans
Napa County
12 lenders · 32 loans
Yolo County
10 lenders · 30 loans
El Dorado County
10 lenders · 26 loans
Madera County
4 lenders · 23 loans
Shasta County
5 lenders · 15 loans
Nevada County
5 lenders · 13 loans
Butte County
6 lenders · 12 loans
Imperial County
4 lenders · 11 loans
Yuba County
6 lenders · 10 loans
Humboldt County
6 lenders · 8 loans
Sutter County
5 lenders · 8 loans
Lake County
6 lenders · 7 loans
San Benito County
3 lenders · 6 loans
Limited 2024 activity (1–2 reporting lenders): Tuolumne County, Tehama County, Calaveras County, Mariposa County, Mendocino County, Mono County, Siskiyou County, Amador County, Del Norte County, Glenn County, Trinity County. These counties are typically served by the statewide lenders above.