Private & Hard Money Lenders in Stanislaus County, CA
14 lenders funded 99 short-term investment-property loans in Stanislaus County in 2024 at a median rate of 10.99%. Ranked by verified loan volume — not paid placement.
Stanislaus County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 66 | 10.49% | 4 |
| 2 | VAL-CHRIS INVESTMENTS INC. | 11 | 13.50% | 1 |
| 3 | Conventus Lending LLC | 3 | 10.99% | — |
| 4 | Easy Street Capital LLC | 3 | 10.75% | — |
| 5 | VELOCITY COMMERCIAL CAPITAL LLC | 2 | — | 4 |
| 6 | First Bridge Funding, Inc | 2 | — | — |
| 7 | Insignia Capital Corp. | 2 | — | — |
| 8 | LendingOne LLC | 2 | — | — |
| 9 | Merchants Mortgage & Trust Corporation | 2 | — | — |
| 10 | Sundae Funding | 2 | — | — |
| 11 | American Heritage Lending, LLC | 1 | — | 1 |
| 12 | Loan Funder LLC | 1 | — | — |
| 13 | Mackillie Inc | 1 | — | — |
| 14 | North Coast Financial, Inc. | 1 | — | — |
DSCR / long-term rental lenders in Stanislaus 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
14 lenders reported short-term, business-purpose investment loans in Stanislaus County in 2024 verified lending records — 99 loans totaling $27.1M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Stanislaus County's active lenders was 10.99% in 2024, with per-lender medians ranging from 10.49% to 13.50%. 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.