Fresno Bridge Lenders for Residential Investment Property
Are you seeking a bridge loan secured by residential property in the Fresno metro area? On this page you'll find a list of select bridge lenders for Fresno investment properties with 1 to 4 units. To get a 1st lien bridge loan, you must have at least 30% equity. Due to state laws and regulations, it's not possible to get a bridge loan for a homestead (owner-occupied primary residence) or 2nd home, but if that's what you're seeking, use the filters to change the loan type to 'Residential Owner-Occupied' and you may find some alternative lending options.Searching...
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Karpe Real Estate Center
Private Lending for Central California Real Estate - Bakersfield, Fresno, Central Valley, Sacramento | Est. 1926
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 4th quarter of 2024 was 10.83%. The average loan amount was $996,535. These stats are the average of 1,499 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between October 1, 2024 and December 31, 2024 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 4th quarter of 2024 was 11.04%. The average loan amount was $819,582. Of the 708 total loans in the 3-month period, 478 were secured by properties in Los Angeles County, 96 in Orange County, 72 in Riverside County, 44 in San Bernardino County and 18 in Ventura County.
San Francisco Bay Area
The average interest rate for Bay Area bridge loans in the 4th quarter of 2024 was 10.46%. The average loan amount was $1,026,883. Of the 291 total loans in the 3-month period, 50 were secured by properties in Alameda County, 44 in Contra Costa County, 12 in Marin County, 7 in Monterey County, 3 in Napa County, 36 in San Francisco County, 29 in San Mateo County, 81 in Santa Clara County, 3 in Santa Cruz County, 14 in Solano County and 12 in Sonoma County.
San Diego
The average interest rate for San Diego bridge loans in the 4th quarter of 2024 was 10.76%. The average loan amount was $1,004,884. The averages are derived from 307 loans secured by properties in San Diego County.
Sacramento
The average interest rate for Sacramento bridge loans in the 4th quarter of 2024 was 10.80%. The average loan amount was $707,715. Of the 45 total loans in the 3-month period, The averages are derived from 27 loans secured by properties in Sacramento County, 7 in El Dorado County, 4 in Nevada County, 5 in Placer County and 2 in Yolo County.
Central Valley
The average interest rate for Central Valley bridge loans in the 4th quarter of 2024 was 10.92%. The average loan amount was $401,829. Of the 101 total loans in the 3-month period, 28 were secured by properties in Fresno County, 15 in Kern County, 8 in Madera County, 6 in Merced County, 22 in San Joaquin County, 7 in Stanislaus County and 15 in Tulare County.
Santa Barbara
The average interest rate for Central Valley bridge loans in the 4th quarter of 2024 was 10.65%. The average loan amount was $1,018,283. Of the 28 total loans in the 3-month period, 7 were secured by properties in San Luis Obispo County and 21 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 4th quarter of 2024 was 10.36%. Lenders charged an average of 1.4% points (origination fee). The average LTV (loan-to-value) for bridge loans in California was 63%, and the average loan amount was $765,700. These stats are the average of all the loans which were funded between October 1, 2024 and December 31, 2024 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top 10 California Bridge Loan Lenders

According to Forecasa™, here are the Top 10 Bridge Lenders ranked by the number of bridge loans* originated in California from October 2024 to December 2024.
- Kiavi funded 787 loans
- Anchor Loans funded 252 loans
- Conventus LLC funded 244 loans
- Vista Point Mortgage funded 225 loans
- Wholesale Mortgage Bankers (Fidelity Lending Solutions) funded 220 loans
- Center Street Lending funded 219 loans
- Oaktree Funding Corporation funded 195 loans
- Genesis Capital funded 175 loans
- Fundloans Capital funded 163 loans
- Val Chris Investment Inc funded 163 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform.
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
According to SFR Analytics, here is the approximate quarterly volume of bridge loans secured by investment real estate in California which were funded by private lending companies from October 2023 to September 2024.
- Approximately $3,735,167,654 of private money loans were funded in the 3rd quarter of 2024 for 3,041 borrowers.
- Approximately $3,872,880,131 of private money loans were funded in the 2nd quarter of 2024 for 3,166 borrowers.
- Approximately $3,050,304,367 of private money loans were funded in the 1st quarter of 2024 for 2,731 borrowers.
- Approximately $3,117,742,891 of private money loans were funded in the 4th quarter of 2023 for 2,899 borrowers.
Below are the approximate bridge loan volume amounts for California’s metropolitan areas:
Bakersfield-Delano, CA
- 2024 Q3: $21,630,411 for 67 borrowers
- 2024 Q2: $12,101,227 for 56 borrowers
- 2024 Q1: $16,338,518 for 64 borrowers
- 2023 Q4: $21,758,903 for 78 borrowers
Fresno, CA
- 2024 Q3: $36,103,772 for 87 borrowers
- 2024 Q2: $25,631,674 for 73 borrowers
- 2024 Q1: $23,409,338 for 55 borrowers
- 2023 Q4: $29,038,279 for 84 borrowers
Los Angeles-Long Beach-Anaheim, CA
- 2024 Q3: $1,903,818,695 for 1,274 borrowers
- 2024 Q2: $1,914,250,516 for 1,333 borrowers
- 2024 Q1: $1,404,999,503 for 1,076 borrowers
- 2023 Q4: $1,629,693,361 for 1,189 borrowers
Oxnard-Thousand Oaks-Ventura, CA
- 2024 Q3: $32,682,390 for 40 borrowers
- 2024 Q2: $32,272,744 for 45 borrowers
- 2024 Q1: $38,095,234 for 48 borrowers
- 2023 Q4: $30,035,732 for 41 borrowers
Riverside-San Bernardino-Ontario, CA
- 2024 Q3: $210,678,292 for 406 borrowers
- 2024 Q2: $232,061,279 for 409 borrowers
- 2024 Q1: $257,979,814 for 396 borrowers
- 2023 Q4: $194,884,523 for 435 borrowers
Sacramento-Roseville-Folsom, CA
- 2024 Q3: $91,411,520 for 177 borrowers
- 2024 Q2: $111,266,592 for 179 borrowers
- 2024 Q1: $92,548,937 for 175 borrowers
- 2023 Q4: $82,875,977 for 171 borrowers
San Diego-Chula Vista-Carlsbad, CA
- 2024 Q3: $482,753,528 for 347 borrowers
- 2024 Q2: $592,478,443 for 321 borrowers
- 2024 Q1: $446,708,539 for 270 borrowers
- 2023 Q4: $419,298,044 for 275 borrowers
San Francisco-Oakland-Fremont, CA
- 2024 Q3: $502,646,608 for 334 borrowers
- 2024 Q2: $486,089,983 for 386 borrowers
- 2024 Q1: $388,195,966 for 342 borrowers
- 2023 Q4: $383,603,665 for 341 borrowers
San Jose-Sunnyvale-Santa Clara, CA
- 2024 Q3: $209,898,209 for 123 borrowers
- 2024 Q2: $257,090,049 for 140 borrowers
- 2024 Q1: $185,402,082 for 107 borrowers
- 2023 Q4: $168,317,605 for 104 borrowers
Stockton-Lodi, CA
- 2024 Q3: $32,682,390 for 52 borrowers
- 2024 Q2: $32,272,744 for 53 borrowers
- 2024 Q1: $38,095,234 for 36 borrowers
- 2023 Q4: $30,035,732 for 46 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.