Private & Hard Money Lenders in Santa Clara County, CA
27 lenders funded 380 short-term investment-property loans in Santa Clara County in 2024 at a median rate of 10.25%. Ranked by verified loan volume — not paid placement.
Santa Clara County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | Conventus Lending LLC | 151 | 9.99% | — |
| 2 | KIAVI FUNDING, INC. | 61 | 9.50% | 1 |
| 3 | Insignia Capital Corp. | 25 | 9.88% | — |
| 4 | VAL-CHRIS INVESTMENTS INC. | 22 | 13.99% | 1 |
| 5 | First Bridge Funding, Inc | 21 | 9.99% | — |
| 6 | Genesis Capital, LLC | 20 | 11.07% | — |
| 7 | Abundance 99, Inc. | 11 | 9.35% | — |
| 8 | Mackillie Inc | 10 | 11.00% | 1 |
| 9 | Equity Wave Lending, Inc. | 10 | 12.99% | — |
| 10 | Arixa Enhanced Income Fund, LP | 7 | 10.75% | — |
| 11 | Loan Funder LLC | 7 | 10.25% | — |
| 12 | Merchants Mortgage & Trust Corporation | 6 | 10.25% | — |
| 13 | Sundae Funding | 5 | 9.75% | — |
| 14 | Easy Street Capital LLC | 4 | 10.90% | — |
| 15 | First Bridge Funding, LLC | 4 | 10.99% | — |
| 16 | Churchill Funding I LLC | 3 | 9.50% | 1 |
| 17 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 14 |
| 18 | Citibank, NA | 2 | — | 12 |
| 19 | WELLS FARGO BANK NA | 1 | — | 2 |
| 20 | Dominion Financial Services, LLC | 1 | — | 1 |
| 21 | Arixa Secured Income Fund, LLC | 1 | — | — |
| 22 | CITY NATIONAL BANK | 1 | — | — |
| 23 | COMERICA BANK | 1 | — | — |
| 24 | FAY SERVICING LLC | 1 | — | — |
| 25 | Mortgage Vintage, Inc. | 1 | — | — |
| 26 | North Coast Financial, Inc. | 1 | — | — |
| 27 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Santa Clara 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
27 lenders reported short-term, business-purpose investment loans in Santa Clara County in 2024 verified lending records — 380 loans totaling $771.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Santa Clara County's active lenders was 10.25% in 2024, with per-lender medians ranging from 9.35% 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.