Private & Hard Money Lenders in Santa Barbara County, CA
16 lenders funded 82 short-term investment-property loans in Santa Barbara County in 2024 at a median rate of 10.95%. Ranked by verified loan volume — not paid placement.
Santa Barbara County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 18 | 10.95% | — |
| 2 | Easy Street Capital LLC | 15 | 10.50% | — |
| 3 | VAL-CHRIS INVESTMENTS INC. | 11 | 12.99% | — |
| 4 | Conventus Lending LLC | 10 | 9.99% | — |
| 5 | Churchill Funding I LLC | 4 | 10.99% | — |
| 6 | Genesis Capital, LLC | 4 | 9.50% | — |
| 7 | LIMA ONE CAPITAL, LLC | 3 | 9.30% | — |
| 8 | Loan Funder LLC | 3 | 11.25% | — |
| 9 | Archwest Funding | 2 | — | 1 |
| 10 | Axos Bank | 2 | — | 1 |
| 11 | Equity Wave Lending, Inc. | 2 | — | — |
| 12 | Insignia Capital Corp. | 2 | — | — |
| 13 | Merchants Mortgage & Trust Corporation | 2 | — | — |
| 14 | Mortgage Vintage, Inc. | 2 | — | — |
| 15 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 1 |
| 16 | Mid Valley Services Inc | 1 | — | — |
DSCR / long-term rental lenders in Santa Barbara 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
16 lenders reported short-term, business-purpose investment loans in Santa Barbara County in 2024 verified lending records — 82 loans totaling $85.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Santa Barbara County's active lenders was 10.95% in 2024, with per-lender medians ranging from 9.30% to 12.99%. 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.