2025 · California
Most active investment-property lenders in California
In 2025, 53,082 investment-property loans were originated on single-family 1-4 unit homes in California. These are the lenders that wrote the most of them, by HMDA-reported volume.
California lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 3,904 | $1.7B | 100% |
| 2 | Kiavi Funding, Inc. | DSCR / biz | 3,214 | $2.3B | 100% |
| 3 | The Loan Store, Inc. | Conventional | 2,095 | $1.0B | 10% |
| 4 | Rocket Mortgage, LLC | Conventional | 1,887 | $964M | 0% |
| 5 | OCMBC, Inc. | DSCR / biz | 1,676 | $805M | 84% |
| 6 | Pennymac Loan Services, LLC | DSCR / biz | 1,225 | $704M | 100% |
| 7 | Conventus LLC | DSCR / biz | 1,176 | $1.4B | 100% |
| 8 | East West Bank | DSCR / biz | 921 | $646M | 91% |
| 9 | Amwest Funding Corp. | Mixed | 907 | $446M | 56% |
| 10 | Center Street Lending VIII SPE, LLC | DSCR / biz | 906 | $1.0B | 100% |
Lenders with at least 10 reported investor originations in California, top 10.
How investors borrow in California
The rate premium, denial rate, and DSCR share in California — Investor Financing Report.
Where California cash-flows
Gross rental yield and top metros in California — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in California?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in California were United Shore Financial Services, LLC (3,904 originations), Kiavi Funding, Inc. (3,214), and The Loan Store, Inc. (2,095). 53,082 investor loans were originated statewide.
Which California lenders focus on DSCR / business-purpose loans?
Lenders whose California investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, Kiavi Funding, Inc., OCMBC, Inc., Pennymac Loan Services, LLC. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a California deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.