Private & Hard Money Lenders in Contra Costa County, CA
23 lenders funded 234 short-term investment-property loans in Contra Costa County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Contra Costa County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 87 | 10.25% | 3 |
| 2 | Conventus Lending LLC | 38 | 10.25% | — |
| 3 | VAL-CHRIS INVESTMENTS INC. | 17 | 12.99% | 1 |
| 4 | Temple View Capital Funding LP | 12 | 11.25% | — |
| 5 | Sundae Funding | 10 | 10.50% | — |
| 6 | First Bridge Funding, Inc | 9 | 9.99% | — |
| 7 | Easy Street Capital LLC | 8 | 10.75% | — |
| 8 | Genesis Capital, LLC | 8 | 9.20% | — |
| 9 | Loan Funder LLC | 8 | 10.75% | — |
| 10 | Merchants Mortgage & Trust Corporation | 8 | 10.00% | — |
| 11 | Mackillie Inc | 5 | 11.00% | — |
| 12 | VELOCITY COMMERCIAL CAPITAL LLC | 4 | 11.50% | 8 |
| 13 | North Coast Financial, Inc. | 4 | 11.95% | — |
| 14 | First Bridge Funding, LLC | 3 | 10.99% | — |
| 15 | LANTZMAN MANAGEMENT INC | 2 | — | 2 |
| 16 | Abundance 99, Inc. | 2 | — | — |
| 17 | Churchill Funding I LLC | 2 | — | — |
| 18 | Commercial Loan Corporation | 2 | — | — |
| 19 | Equity Wave Lending, Inc. | 1 | — | 1 |
| 20 | Archwest Funding | 1 | — | — |
| 21 | FAY SERVICING LLC | 1 | — | — |
| 22 | LIMA ONE CAPITAL, LLC | 1 | — | — |
| 23 | Mid Valley Services Inc | 1 | — | — |
DSCR / long-term rental lenders in Contra Costa 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
23 lenders reported short-term, business-purpose investment loans in Contra Costa County in 2024 verified lending records — 234 loans totaling $172.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Contra Costa County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.20% to 12.99%. 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.