Cambria Bridge Lenders for Residential Properties
Are you seeking a bridge loan secured by residential property in Cambria, CA? On this page you'll find a list of select bridge lenders for properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity and for a 2nd mortgage, at least 35% equity. Bridge loans are mainly for investment properties, but state laws allow bridge lenders to use an owner-occupied primary residence or 2nd home as collateral in some cases, mainly for when the funds are used for a business or investment purpose. It's also common to use bridge loans when moving from one primary residence to another residence within California. It enables homeowners to use equity in their current home to buy their next home without a cash down payment.Searching...
Top 10 Bridge Loan Lenders in California by Loan Count (Last 12 Months)
Based on data from Elementix, this ranking highlights the most active bridge 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 Bridge Loan Lenders by Loan Count (Past Quarter)
According to Forecasa™, here are the Top Bridge Lenders ranked by the number of bridge 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 Bridge Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for California residential property bridge 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 lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
Although California bridge loan 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 bridge 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 bridge 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 bridge 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 bridge 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 bridge 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 bridge 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 bridge 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 bridge loans secured by residential investment properties in California 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 bridge 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 Bridge Loans (Past 12 Months)
Based on data from Elementix, this ranking highlights the most active real estate investors in California who utilize short-term bridge loans, measured by total borrowing volume over the past 12 months. Total loan volume may include long-term loans from banks and conventional lenders.
| 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).
Select a Metro Area
California is an enormous state, and most bridge lenders are selective about where they lend, so 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 Bridge Loan Volume by Quarter (Past 12 Months)
Based on data from Elementix, the following figures show the estimated quarterly loan volume for short-term, business-purpose bridge loans secured by real estate in California over the past 12 months.
Q2 2026: ~$3.5B across 1,882 loans
Q1 2026: ~$3.9B across 2,583 loans
Q4 2025: ~$4.5B across 2,536 loans
Q3 2025: ~$3.5B across 2,410 loans
Source: Elementix.ai (third-party data, not independently verified).
Transactions identified as private lender loans were excluded if the available public records did not clearly indicate whether the original loan term was less than 3 years.
