Private & Hard Money Lenders in Sacramento County, CA
24 lenders funded 403 short-term investment-property loans in Sacramento County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Sacramento County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 202 | 10.75% | 6 |
| 2 | Merchants Mortgage & Trust Corporation | 51 | 10.00% | — |
| 3 | Sundae Funding | 45 | 10.50% | — |
| 4 | Conventus Lending LLC | 29 | 10.99% | 4 |
| 5 | Easy Street Capital LLC | 19 | 10.50% | — |
| 6 | VAL-CHRIS INVESTMENTS INC. | 10 | 13.99% | — |
| 7 | Loan Funder LLC | 9 | 10.75% | 2 |
| 8 | Genesis Capital, LLC | 7 | 9.50% | — |
| 9 | Equity Wave Lending, Inc. | 4 | 13.99% | — |
| 10 | First Bridge Funding, Inc | 4 | 10.99% | — |
| 11 | North Coast Financial, Inc. | 4 | 10.75% | — |
| 12 | Temple View Capital Funding LP | 3 | 10.25% | — |
| 13 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 8 |
| 14 | LANTZMAN MANAGEMENT INC | 2 | — | 2 |
| 15 | Dominion Financial Services, LLC | 2 | — | 1 |
| 16 | Mackillie Inc | 2 | — | — |
| 17 | WELLS FARGO BANK NA | 1 | — | 6 |
| 18 | RF Renovo Management Company, LLC | 1 | — | 1 |
| 19 | Abundance 99, Inc. | 1 | — | — |
| 20 | Arixa Enhanced Income Fund, LP | 1 | — | — |
| 21 | CITY NATIONAL BANK | 1 | — | — |
| 22 | Commercial Loan Corporation | 1 | — | — |
| 23 | Insignia Capital Corp. | 1 | — | — |
| 24 | LendingOne LLC | 1 | — | — |
DSCR / long-term rental lenders in Sacramento 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
24 lenders reported short-term, business-purpose investment loans in Sacramento County in 2024 verified lending records — 403 loans totaling $260.5M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Sacramento County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.50% to 13.99%. 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.