Private & Hard Money Lenders in San Joaquin County, CA
10 lenders funded 119 short-term investment-property loans in San Joaquin County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
San Joaquin County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 72 | 10.95% | 2 |
| 2 | Merchants Mortgage & Trust Corporation | 15 | 10.25% | — |
| 3 | Conventus Lending LLC | 11 | 9.99% | 1 |
| 4 | VAL-CHRIS INVESTMENTS INC. | 10 | 11.50% | 1 |
| 5 | Easy Street Capital LLC | 4 | 10.75% | — |
| 6 | Equity Wave Lending, Inc. | 2 | — | 1 |
| 7 | Sundae Funding | 2 | — | — |
| 8 | LANTZMAN MANAGEMENT INC | 1 | — | — |
| 9 | LendingOne LLC | 1 | — | — |
| 10 | Mackillie Inc | 1 | — | — |
DSCR / long-term rental lenders in San Joaquin 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
10 lenders reported short-term, business-purpose investment loans in San Joaquin County in 2024 verified lending records — 119 loans totaling $39.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across San Joaquin County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.99% to 11.50%. 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.