Private & Hard Money Lenders in San Mateo County, CA
20 lenders funded 191 short-term investment-property loans in San Mateo County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
San Mateo County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Conventus Lending LLC | 82 | 9.75% | — |
| 2 | KIAVI FUNDING, INC. | 39 | 9.25% | — |
| 3 | Genesis Capital, LLC | 18 | 11.07% | — |
| 4 | Abundance 99, Inc. | 10 | 9.95% | 1 |
| 5 | Loan Funder LLC | 10 | 10.99% | 1 |
| 6 | VAL-CHRIS INVESTMENTS INC. | 7 | 13.99% | — |
| 7 | First Bridge Funding, Inc | 5 | 9.99% | — |
| 8 | Equity Wave Lending, Inc. | 4 | 12.25% | — |
| 9 | Arixa Enhanced Income Fund, LP | 3 | 10.75% | — |
| 10 | Mackillie Inc | 3 | 11.50% | — |
| 11 | US BANK, N.A. | 1 | — | 17 |
| 12 | COMERICA BANK | 1 | — | 1 |
| 13 | LANTZMAN MANAGEMENT INC | 1 | — | 1 |
| 14 | WELLS FARGO BANK NA | 1 | — | 1 |
| 15 | Arixa Secured Income Fund, LLC | 1 | — | — |
| 16 | CITY NATIONAL BANK | 1 | — | — |
| 17 | Commercial Loan Corporation | 1 | — | — |
| 18 | Dominion Financial Services, LLC | 1 | — | — |
| 19 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 20 | PLANET MANAGMENT GROUP, LLC | 1 | — | — |
DSCR / long-term rental lenders in San Mateo 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
20 lenders reported short-term, business-purpose investment loans in San Mateo County in 2024 verified lending records — 191 loans totaling $329.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across San Mateo County's active lenders was 10.99% in 2024, with per-lender medians ranging from 9.25% 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.