How many hard money lenders are active in Orange County?

34 lenders reported short-term, business-purpose investment loans in Orange County in 2024 verified lending records — 720 loans totaling $755.9M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in Orange County?

The median note rate across Orange County's active lenders was 10.74% in 2024, with per-lender medians ranging from 8.08% to 13.75%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in Orange County, CA

34 lenders funded 720 short-term investment-property loans in Orange County in 2024 at a median rate of 10.74%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

720$755.9M

Median note rate

10.74%8.1–13.8%

DSCR / rental loans

2,266

Orange County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	204	9.75%	1
2	VAL-CHRIS INVESTMENTS INC.	96	13.75%	9
3	Easy Street Capital LLC	83	10.50%	—
4	Equity Wave Lending, Inc.	53	11.99%	2
5	Conventus Lending LLC	53	9.75%	1
6	Merchants Mortgage & Trust Corporation	52	9.50%	—
7	Genesis Capital, LLC	41	9.00%	—
8	Sundae Funding	28	10.25%	—
9	Archwest Funding	14	10.37%	1
10	Loan Funder LLC	13	10.75%	—
11	Mortgage Vintage, Inc.	13	12.50%	—
12	Mackillie Inc	9	11.25%	—
13	Arixa Secured Income Fund, LLC	6	10.50%	—
14	Commercial Loan Corporation	6	11.99%	—
15	American Heritage Lending, LLC	5	10.75%	2
16	Arixa Enhanced Income Fund, LP	5	10.99%	—
17	Churchill Funding I LLC	5	10.63%	—
18	First Bridge Funding, Inc	5	9.99%	—
19	North Coast Financial, Inc.	4	10.75%	—
20	Temple View Capital Funding LP	4	10.75%	—
21	VELOCITY COMMERCIAL CAPITAL LLC	3	10.74%	18
22	Zions Bancorporation, N.A.	3	8.08%	4
23	Insignia Capital Corp.	3	12.95%	—
24	Abundance 99, Inc.	2	—	1
25	US BANK, N.A.	1	—	75
26	CTBC Bank USA	1	—	28
27	Change Lending, LLC	1	—	25
28	MidFirst Bank	1	—	10
29	First Bank	1	—	3
30	LANTZMAN MANAGEMENT INC	1	—	3
31	ROYAL BUSINESS BANK	1	—	1
32	BMO Harris Bank NA	1	—	—
33	LIMA ONE CAPITAL, LLC	1	—	—
34	PrideCo Loans, Inc.	1	—	—

DSCR / long-term rental lenders in Orange 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.

United Wholesale Mortgage · 306EAST WEST BANK · 283SCHOOLSFIRST FCU · 166JPMorgan Chase Bank, NA · 165PENNYMAC LOAN SERVICES LLC · 48CROSSCOUNTRY MORTGAGE, LLC · 47Kind Lending, LLC · 45Fidelity Lending Solutions Inc · 44Bank of America NA · 43CATHAY BANK · 36AmWest Funding Corp · 35FlexPoint, Inc. · 33OCMBC, INC. · 33Citadel Servicing Corporation · 32MK LENDING CORP · 28HomeXpress Mortgage Corp. · 27LOANDEPOT.COM, LLC · 27JMAC Lending, Inc. · 26GUARANTEED RATE, INC. · 25AAA Capital Investment, Inc · 23

Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in Orange Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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