Atascadero Private Money Lenders
Seeking a private money loan secured by real estate in Atascadero, CA? This page features a curated list of direct private money lending companies offering fast funding for a property purchase, refinance, or equity cash out in 1st or 2nd lien position. Private mortgages are typically short-term, ranging from 6 to 36 months, and are primarily asset-based, focusing on the property’s equity. Most lenders require a minimum of 30% equity, with loan-to-value (LTV) ratios between 60% and 70%. While interest rates and fees are higher than those of traditional bank loans, private money loans fund faster, with fewer requirements and less documentation. It's mostly for investment properties, but state laws enable some lenders to use a borrower's primary residence as collateral, if the loan is for a business purpose.Searching...
Top 10 Private Money Lenders in California by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active private money lenders in California, measured by total funded loan count for short-term real estate loans (under 3 years) over the past 12 months. This data reflects current lending activity across California real estate investors.
| Company | Loans | Volume | Market Share |
|---|---|---|---|
| conventus | 1,250 | $1.7B | 15% |
| arv finance | 731 | $698M | 9% |
| anchor loans | 659 | $1.2B | 8% |
| youland | 370 | $681M | 4% |
| easy street capital | 357 | $257M | 4% |
| iron bridge lending | 281 | $216M | 3% |
| tier one funding | 265 | $189M | 3% |
| archwest capital | 241 | $468M | 3% |
| arixa capital | 239 | $1.0B | 3% |
| roc capital / roc360 | 208 | $194M | 3% |
Source: Elementix.ai (third-party data, not independently verified).
Top 20 California Private Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in California from April 2026 to June 2026.
- Kiavi funded 838 loans
- Conventus LLC funded 388 loans
- Arv Finance INC funded 288 loans
- Merchants Mortgage and Trust Corporation funded 257 loans
- Oaktree Funding Corporation funded 226 loans
- Center Street Lending funded 221 loans
- Fundloans Capital funded 174 loans
- Genesis Capital funded 170 loans
- Velocity Commercial Capital funded 147 loans
- Anchor Loans funded 139 loans
- First Bridge Lending funded 137 loans
- Tier One Funding Ca INC funded 129 loans
- Ardri LLC funded 117 loans
- Val Chris Investment Inc funded 115 loans
- Iron Bridge Mortgage Fund LLC funded 101 loans
- Zinc Financial Inc funded 100 loans
- Easy Street Capital funded 96 loans
- Youland Inc funded 94 loans
- Real Tpo LLC funded 94 loans
- Funding 365 INC funded 91 loans
* The number of loans funded are approximate and includes long-term rental loans.
Source: Forecasa (this is third-party data, not independently verified).
California Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for California private money loans in the 2nd quarter of 2026 was 9.94%. The average loan amount was $1,110,298. These stats are the average of 1,916 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between April 1, 2026 and June 30, 2026 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California private money interest rates tend to be lower than other states, the data includes a lot of 2nd mortgages, which typically have higher rates than 1st mortgages. 2nd mortgages are quite common in California. In most other states, 2nd mortgages are non-existent in private money lending.
Here is a breakdown of average interest rates in California’s metropolitan areas:
Los Angeles Metro Area
The average interest rate for Los Angeles private money loans in the 2nd quarter of 2026 was 10.38%. The average loan amount was $1,018,098. Of the 799 total loans in the 3-month period, 520 were secured by properties in Los Angeles County, 154 in Orange County, 57 in Riverside County, 49 in San Bernardino County and 19 in Ventura County.
San Francisco Bay Area
The average interest rate for Bay Area private money loans in the 2nd quarter of 2026 was 9.67%. The average loan amount was $1,151,659. Of the 424 total loans in the 3-month period, 90 were secured by properties in Alameda County, 37 in Contra Costa County, 16 in Marin County, 4 in Monterey County, 7 in Napa County, 66 in San Francisco County, 51 in San Mateo County, 126 in Santa Clara County, 6 in Santa Cruz County, 9 in Solano County and 12 in Sonoma County.
San Diego
The average interest rate for San Diego private money loans in the 2nd quarter of 2026 was 9.83%. The average loan amount was $1,054,027. The averages are derived from 394 loans secured by properties in San Diego County.
Sacramento
The average interest rate for Sacramento private money loans in the 2nd quarter of 2026 was 10.21%. The average loan amount was $977,603. Of the 59 total loans in the 3-month period, The averages are derived from 39 loans secured by properties in Sacramento County, 5 in El Dorado County and 10 in Placer County.
Central Valley
The average interest rate for Central Valley private money loans in the 2nd quarter of 2026 was 10.23%. The average loan amount was $358,079. Of the 141 total loans in the 3-month period, 72 were secured by properties in Fresno County, 28 in Kern County, 5 in Madera County, 3 in Merced County, 22 in San Joaquin County and 11 in Stanislaus County.
Santa Barbara
The average interest rate for Central Valley private money loans in the 2nd quarter of 2026 was 9.90%. The average loan amount was $1,128,059. Of the 22 total loans in the 3-month period, 8 were secured by properties in San Luis Obispo County and 14 in Santa Barbara County.
According to private lending data provider, Analytics Logics, the average interest rate for California private money loans in the 1st quarter of 2026 was 10.40%. Lenders charged an average of 2.3% points (origination fee). The average LTV (loan-to-value) for private money loans in California was 67%, and the average loan amount was $685,400. These stats are the average of all the loans which were funded between January 1, 2026 and March 31, 2026 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 Real Estate Investors in California Using Private Money (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in California who utilize private money loans, based on total borrowing volume over the past 12 months. Reported volume may include financing from private lenders, banks, and other sources, reflecting overall borrowing activity across the California real estate market.
| Entity | Loans | Volume |
|---|---|---|
| taber built homes llc | 400 | $1.8B |
| purchasing fund 2023 1 llc | 315 | $87M |
| executive homes llc | 294 | $151M |
| sky lake construction llc | 229 | $61M |
| vapa investments llc | 192 | $28M |
| tidewater developers llc | 178 | $279M |
| grandview capital llc | 177 | $41M |
| mcguinn homes inc | 161 | $312M |
| nilson & co llc | 146 | $76M |
| prestige home solutions llc | 145 | $31M |
Source: Elementix.ai (third-party data, not independently verified).
California Private Money Lending Guidelines
California has lots of “private money” and lots of professional private money lending companies that offer short-term loans secured by real estate. It’s mainly for investment properties, but California has some unique laws that enable private lenders to fund loans secured by a borrower’s primary residence. Here are the typical private money lending guidelines for most lenders in California:
- Loan Amounts: $50,000 to $20,000,000
- Interest Rates: 9% to 13%
- Origination Fee: 1 to 3 points
- Maximum LTV for Senior (1st) Lien: Up to 70%
- Maximum CLTV for Junior Liens: Up to 65%
- Lien Position: 1st, 2nd or 3rd
- 2nd mortgages are common in California
- Loan Term: 1 month to 5 years
- Most private money lenders max out at 24 months
- Most lenders have a 3-month minimum term (interest guarantee)
- Payment Type: Interest-only
- Few private lenders in California amortize all of their loans
Select a Metro Area
California is a large state, and many private lending companies focus on particular metropolitan areas. Filter your search by selecting a metro area:
Northern California: SF Bay Area | Sacramento | Lake Tahoe
Southern California: Los Angeles | San Diego | Orange County | Riverside County | San Bernardino County | Santa Barbara
Central California: Central Valley | Bakersfield | Fresno
California Private Money Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for private money lending secured by real estate in California over the past 12 months.
Q2 2026: ~$55.7B in funded loan volume across 25,018 loans and 21,593 borrowers
Short-term loans (< 3 years): ~$3.5B across 1,882 loans
Long-term loans (> 3 years): ~$14.1B across 13,473 loans
Unknown-term loans: ~$38.1B across 9,663 loans
Q1 2026: ~$67.7B in funded loan volume across 35,887 loans and 30,069 borrowers
Short-term loans (< 3 years): ~$3.9B across 2,583 loans
Long-term loans (> 3 years): ~$19.1B across 19,444 loans
Unknown-term loans: ~$44.8B across 13,860 loans
Q4 2025: ~$93.8B in funded loan volume across 37,548 loans and 31,914 borrowers
Short-term loans (< 3 years): ~$4.5B across 2,536 loans
Long-term loans (> 3 years): ~$26.1B across 20,238 loans
Unknown-term loans: ~$63.2B across 14,774 loans
Q3 2025: ~$74.8B in funded loan volume across 35,102 loans and 29,543 borrowers
Short-term loans (< 3 years): ~$3.5B across 2,410 loans
Long-term loans (> 3 years): ~$20.7B across 18,118 loans
Unknown-term loans: ~$50.5B across 14,574 loans
Source: Elementix.ai (third-party data, not independently verified).
“Unknown-term” loans represent private lender transactions for which the available public records did not provide sufficient information to determine whether the original loan term was less than or greater than 3 years.
