How many hard money lenders are active in San Diego County?

42 lenders reported short-term, business-purpose investment loans in San Diego County in 2024 verified lending records — 969 loans totaling $3691.5M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in San Diego County?

The median note rate across San Diego County's active lenders was 10.50% in 2024, with per-lender medians ranging from 7.56% to 13.99%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in San Diego County, CA

42 lenders funded 969 short-term investment-property loans in San Diego County in 2024 at a median rate of 10.50%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

969$3691.5M

Median note rate

10.50%7.6–14.0%

DSCR / rental loans

2,499

San Diego County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	401	9.75%	5
2	Conventus Lending LLC	94	10.49%	5
3	Genesis Capital, LLC	69	9.26%	—
4	Sundae Funding	67	9.75%	—
5	VAL-CHRIS INVESTMENTS INC.	62	12.99%	6
6	Merchants Mortgage & Trust Corporation	54	10.25%	—
7	Easy Street Capital LLC	50	10.25%	—
8	RF Renovo Management Company, LLC	40	10.00%	5
9	Equity Wave Lending, Inc.	18	11.99%	2
10	Loan Funder LLC	15	10.75%	1
11	Churchill Funding I LLC	15	11.25%	—
12	LIMA ONE CAPITAL, LLC	10	10.40%	1
13	Archwest Funding	6	10.99%	8
14	Arixa Enhanced Income Fund, LP	6	10.99%	—
15	Mortgage Vintage, Inc.	6	13.99%	—
16	North Coast Financial, Inc.	6	10.75%	—
17	Arixa Secured Income Fund, LLC	5	10.50%	—
18	LANTZMAN MANAGEMENT INC	4	11.00%	12
19	Zions Bancorporation, N.A.	3	7.56%	6
20	Mackillie Inc	3	11.00%	—
21	PrideCo Loans, Inc.	3	9.75%	—
22	American Heritage Lending, LLC	2	—	17
23	Axos Bank	2	—	13
24	VELOCITY COMMERCIAL CAPITAL LLC	2	—	12
25	CITY NATIONAL BANK	2	—	3
26	First Bank	2	—	2
27	Temple View Capital Funding LP	2	—	2
28	WELLS FARGO BANK NA	2	—	2
29	Insignia Capital Corp.	2	—	1
30	LendingOne LLC	2	—	1
31	The Northern Trust Co	2	—	1
32	First Bridge Funding, Inc	2	—	—
33	Banner Bank	1	—	20
34	FlexPoint, Inc.	1	—	9
35	Citibank, NA	1	—	4
36	FAY SERVICING LLC	1	—	2
37	Sun Community FCU	1	—	2
38	First Dakota National Bak	1	—	1
39	Commercial Loan Corporation	1	—	—
40	Community National Bank & Trust	1	—	—
41	Mid Valley Services Inc	1	—	—
42	Secured Investment Corp	1	—	—

DSCR / long-term rental lenders in San Diego 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 · 491JPMorgan Chase Bank, NA · 184CROSSCOUNTRY MORTGAGE, LLC · 134Kind Lending, LLC · 89PENNYMAC LOAN SERVICES LLC · 77US BANK, N.A. · 64Citadel Servicing Corporation · 55OCMBC, INC. · 44HomeXpress Mortgage Corp. · 39GUARANTEED RATE, INC. · 37Change Lending, LLC · 35Navy Federal Credit Union · 35FAIRWAY INDEPENDENT MORT CORP · 33Bank of America NA · 32EMPORIUM TPO LLC · 31HomeBridge Financial Services, Inc · 31FUNDLOANS CAPITAL · 29ANGEL OAK MORTGAGE SOLUTIONS LLC · 28LOANDEPOT.COM, LLC · 27MISSION FEDERAL CREDIT UNION · 26

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 San Diego Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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