Private & Hard Money Lenders in Alameda County, CA
28 lenders funded 384 short-term investment-property loans in Alameda County in 2024 at a median rate of 10.50%. Ranked by verified loan volume — not paid placement.
Alameda County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 127 | 9.99% | 1 |
| 2 | Conventus Lending LLC | 123 | 10.50% | 1 |
| 3 | VAL-CHRIS INVESTMENTS INC. | 23 | 12.99% | 2 |
| 4 | Loan Funder LLC | 21 | 10.50% | 1 |
| 5 | First Bridge Funding, Inc | 12 | 9.99% | — |
| 6 | Merchants Mortgage & Trust Corporation | 10 | 10.00% | — |
| 7 | Sundae Funding | 9 | 10.50% | — |
| 8 | Equity Wave Lending, Inc. | 8 | 13.25% | — |
| 9 | Easy Street Capital LLC | 7 | 10.50% | — |
| 10 | Mackillie Inc | 7 | 11.00% | — |
| 11 | Abundance 99, Inc. | 6 | 11.00% | — |
| 12 | Genesis Capital, LLC | 4 | 10.00% | — |
| 13 | Insignia Capital Corp. | 4 | 11.38% | — |
| 14 | North Coast Financial, Inc. | 4 | 10.95% | — |
| 15 | Archwest Funding | 3 | 10.50% | — |
| 16 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 16 |
| 17 | LIMA ONE CAPITAL, LLC | 2 | — | — |
| 18 | Metropolitan Life Insurance Co | 2 | — | — |
| 19 | CATHAY BANK | 1 | — | 4 |
| 20 | LANTZMAN MANAGEMENT INC | 1 | — | 4 |
| 21 | TRI COUNTIES BANK | 1 | — | 3 |
| 22 | Churchill Funding I LLC | 1 | — | 1 |
| 23 | Commercial Loan Corporation | 1 | — | — |
| 24 | First Bank | 1 | — | — |
| 25 | First Bridge Funding, LLC | 1 | — | — |
| 26 | LendingOne LLC | 1 | — | — |
| 27 | Mortgage Vintage, Inc. | 1 | — | — |
| 28 | PrideCo Loans, Inc. | 1 | — | — |
DSCR / long-term rental lenders in Alameda County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
28 lenders reported short-term, business-purpose investment loans in Alameda County in 2024 verified lending records — 384 loans totaling $480.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Alameda County's active lenders was 10.50% in 2024, with per-lender medians ranging from 9.99% to 13.25%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.