By state
Hard money lending by state
Foreclosure method is the single biggest driver of how aggressively private lenders lend in a state. Below: every state’s primary foreclosure process and links to filtered lenders, plus in-depth guides for the eight largest hard money markets.
In-depth state guides
Texas
Non-judicial foreclosure · 9.5% – 12%
Florida
Judicial foreclosure · 9.5% – 12.5%
California
Non-judicial foreclosure · 9% – 12%
Georgia
Non-judicial foreclosure · 9.5% – 12%
Arizona
Non-judicial foreclosure · 9% – 12%
North Carolina
Non-judicial foreclosure · 9.5% – 12%
Ohio
Judicial foreclosure · 10% – 13%
New York
Judicial foreclosure · 10% – 13%
All states
Click a state to see lenders that lend there. “Primary method” means the process most commonly used; several states permit both.
AlabamaNon-jud.AlaskaNon-jud.ArizonaNon-jud.ArkansasNon-jud.CaliforniaNon-jud.ColoradoNon-jud.ConnecticutJudicialDelawareJudicialDistrict of ColumbiaNon-jud.FloridaJudicialGeorgiaNon-jud.HawaiiNon-jud.IdahoNon-jud.IllinoisJudicialIndianaJudicialIowaJudicialKansasJudicialKentuckyJudicialLouisianaJudicialMaineJudicialMarylandNon-jud.MassachusettsNon-jud.MichiganNon-jud.MinnesotaNon-jud.MississippiNon-jud.MissouriNon-jud.MontanaNon-jud.NebraskaNon-jud.NevadaNon-jud.New HampshireNon-jud.New JerseyJudicialNew MexicoJudicialNew YorkJudicialNorth CarolinaNon-jud.North DakotaJudicialOhioJudicialOklahomaJudicialOregonNon-jud.PennsylvaniaJudicialRhode IslandNon-jud.South CarolinaJudicialSouth DakotaJudicialTennesseeNon-jud.TexasNon-jud.UtahNon-jud.VermontJudicialVirginiaNon-jud.WashingtonNon-jud.West VirginiaNon-jud.WisconsinJudicialWyomingNon-jud.
Foreclosure classifications are general summaries for investor education, current to October 2026, and not legal advice. Procedures, timelines and licensing rules change; verify with the state regulator and local counsel.
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