In this guide, I’ll provide a list of the top national private lending companies listed on Lender Link, with the highest loan volume for the 12 month term between June 2023 and May 2024. The Top 10 Lenders list has been given to us by Forecasa, a technology company that provides analytics and data intelligence in residential private lending, which is also known as hard money or bridge lending. The loans types include fix & flip, rehab to rent, ground-up construction, and also DSCR long-term rental loans.
Out of the 10 lenders with the highest loan volume in the United States, 5 of them are listed on Lender Link:
Kiavi is a tech-enabled lender that has been in business for over 10 years. They have consistently ranked #1 in loan volume for the entire country. When you look at the top 10 lenders lists for each state, Kiavi is in the top 10 for 37 states. I first visited their San Francisco office in 2015, and they have been listed on our platform since early 2023.
RCN Capital currently ranks #2 in the nation in private lending loan volume, and they appear in the top 10 lenders list for 42 states, which is more than any other national lender. RCN has made a big effort to be licensed in all states, and they don’t mind lending in some of the smaller states which most other lenders avoid. RCN Capital is one of our longest running relationships. They’ve been listed on PrivateLenderLink.com since 2016. I have spent many hours with their team while attending industry conferences over the past 8 years, and I visited their office in Connecticut last year.
Lima One Capital currently ranks #4 in the top national lenders list, and they appear in the top 10 list for 30 states. The company was established in 2010 and is based in South Carolina. Its parent company is a publicly-traded real estate investment trust. I have spent a lot of time with their sales team at private lending conferences over the past few years, and they have been listed on our platform since 2021.
The next lender on the top national lenders list is Capital Fund I, ranking #7 for the highest loan volume in the country. What’s really impressive about this lender making the list is they only lend in 5 states. They rank #1 is Arizona, which is their home state. They rank #1 in Texas and #2 in Colorado. They must be doing a ridiculous amount of loan volume in these three states to make it to the national top 10 list. As implied by the company name, Capital Fund I is a private mortgage fund, a true balance sheet lender, which was established in 2009. They’ve been listed on our platform since 2021.
The next top national lender on the list is American Heritage Lending, currently ranking #8. They rank in the top 10 list for 9 states, notably they rank #3 in Florida, which is obviously one of the largest and most competitive states for private lending. It’s been fun to watch this lender’s growth over the past five years. The first time I visited their office in Southern California was in 2019, when we started our relationship. At that time, the company had around 8 employees and much lower loan volume. Ever since then, I have consistently visited their office at least once a year to meet with their CEO.
Those are the 5 out of the top 10 national lenders that are our clients, currently listed on PrivateLenderLink.com. If you’re curious to see the other top national lenders, you can find the list on the Hard Money page of our site. From the home page, click the Hard Money button just under the top banner and scroll down the page. Forecasa will provide us with an updated list every 3 months. If you want to see the top 10 lenders in each state, simply perform a search from the Browse Lenders page. From the loan type list, you want to select either Private Money, Hard Money, or Residential Bridge. While you’re there, you can learn about several other reputable private lending companies which may not have the highest loan volume but could be a good fit for your deals. Check out their profiles, which are extremely detailed, and contact each lender directly.
Soon, Forecasa will provide us with two separate top 10 lenders lists – one for all short-term loans and another just for DSCR long-term rental loans. The top 10 lenders is just one metric that Forecasa shares with the general public through our platform. In addition to this, they provide a wealth of data on private lending that can be incredibly useful for lenders, capital providers, real estate investors, service providers, and anyone with an interest in private mortgage lending. Visit Forecasa.com to learn more about their services, and be sure to mention that you learned about them from Lender Link.
Just to clarify, this is not an advertisement for Forecasa, They don’t pay us, and we don’t pay them. They just provide us with valuable data which we publish on our site.
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