Business Page
theLender
Lender
4.8 stars
925 Reviews
Markets served
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
District of Columbia
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
New Hampshire
New Jersey
New Mexico
New York
North Carolina
Ohio
Oklahoma
Oregon
Pennsylvania
South Carolina
Tennessee
Texas
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
About us
Not just any lender, theLender! We've earned and maintained a 4.8 Customer Satisfaction Rating, with over 700 reviews from past clients. Our focus is INVESTMENT PROPERTY financing and we've funded over $7.5B in loan volume, while helping over 30,000 customers build their portfolio! At theLender, we understand that not everyone fits into the same financial mold. That’s why we’ve created unique loan products tailored specifically for Short Term Rental investors. As a consumer direct lender we help save you money on fees by cutting out the middleman. If you’re seeking a lender that truly understands you and your investment goals, you’ve come to the right place! Highlights * Use AirDNA to qualify * Purchase Max LTV 85% * Cash out Refi max LTV 75% * Close in LLC * Consumer Direct Lender
Specialties
Hard/Private/Non-QM
DSCR (long-term rental)
DSCR (short-term rental)
Balance Sheet Loan
Foreign National Loan
Refinance (investment)
Reviews (925)
4.8 stars
925 Reviews
4.8 stars
925 Reviews
0.0 star
0 Reviews
5.0 stars
a week ago
Reviewed by
Drimar Castrillo
Working with The Lender has been an outstanding experience. We’re fortunate to have Axel De Spain as our AE—he is always available, highly resourceful, and dedicated to finding solutions. I highly recommend working with The Lender, as they offer easy-to-navigate programs and some of the best rates in the market for Non-QM loans.
5.0 stars
a week ago
Reviewed by
Karen Lanthier
This was my first experience with TheLender and I am so impressed! The entire team, Sabrina, Caitlin, Diego and Lusine were all amazing! So professional, great communication throughout the entire process and they all showed a vested interest in getting our loan to closing! Cannot wait to do more business with them! Outstanding!!!!!!!
5.0 stars
2 weeks ago
Reviewed by
Sholom Laine
I've been working with the Lender for several years now,
I'm extremely happy with their products and their entire team. Pleasure to work with. Always responsive.
Specifically my senior account manager
Carmine Poliandro, who always makes sure that the entire process runs smoothly, and efficiently. A real Pleasure to work with!
5.0 stars
3 weeks ago
Reviewed by
Maria Reinhart
I cannot recommend " The Lender", my account rep Raymond Lorini and their team enough! I've closed several loans with them, but this is the second time they’ve worked their magic for me, and once again, they exceeded all expectations. They previously closed a deal in just 8 days, and this time, they pulled off another incredible closing. The entire team was involved, working seamlessly to ensure everything was completed on time and with absolute professionalism. Their dedication, communication, and efficiency are unmatched. If you need a lender who truly delivers, look no further they are the best in the business! 👏🏡✨
Thank you again for an amazing experience!
5.0 stars
3 weeks ago
Reviewed by
Amy
This was my first time using TheLender, and I was truly impressed with the level of service and communication throughout the process. Conrad and Igor were great with helping us get the file set up and submitted. Our AM Carmine was truly incredible to work with! He was quick to respond, answer any questions I had, and took the time to show me how to navigate their system. He also assisted with getting UW condition questions addressed and ultimately cleared. What a fantastic experience! Kathy in closing was amazing as well. I look forward to working with them again!
5.0 stars
3 weeks ago
Reviewed by
Ivy Evangelista
Carmine and Team Express,
I wanted to take a moment to express my gratitude for the exceptional work you continue to deliver. Carmine's professionalism, effectiveness, and dedication to understanding our needs truly stand out. He consistently goes above and beyond to ensure everything runs smoothly.
Additionally, Beth and Phil’s availability and genuine care for our business make a significant difference. Knowing they are just a phone call away gives us great confidence in our partnership.
Thank you again for your outstanding support!
5.0 stars
2 months ago
Reviewed by
jake Profitpunks
Jonathan Rodriguez made the lending process incredibly easy and seamless! From start to finish, he was professional, attentive, and always ready to answer any questions I had. He went above and beyond to ensure everything was handled smoothly and efficiently. His expertise and guidance were invaluable, and I couldn’t have asked for a better experience. If you’re looking for someone who truly cares and will make the process stress-free, Jonathan is the one to call. Highly recommend!
5.0 stars
2 months ago
Reviewed by
Operation Management
Another Success Closing! I love working with Steve. Working with Steve Nelson is always a pleasure, very attentive and knowledgeable. Excellent AE to have on your team to ensure you and your clients receive the best. He is always available which speaks volume when you are working with clients after hours. Many thanks to Steve N., Brittany K., Shelby S, Jennifer W. and all the other individuals that work together to make the process successful. Thanks again for making clients dreams come true.
5.0 stars
a week ago
Reviewed by
Drimar Castrillo
Working with The Lender has been an outstanding experience. We’re fortunate to have Axel De Spain as our AE—he is always available, highly resourceful, and dedicated to finding solutions. I highly recommend working with The Lender, as they offer easy-to-navigate programs and some of the best rates in the market for Non-QM loans.
5.0 stars
a week ago
Reviewed by
Karen Lanthier
This was my first experience with TheLender and I am so impressed! The entire team, Sabrina, Caitlin, Diego and Lusine were all amazing! So professional, great communication throughout the entire process and they all showed a vested interest in getting our loan to closing! Cannot wait to do more business with them! Outstanding!!!!!!!
5.0 stars
2 weeks ago
Reviewed by
Sholom Laine
I've been working with the Lender for several years now,
I'm extremely happy with their products and their entire team. Pleasure to work with. Always responsive.
Specifically my senior account manager
Carmine Poliandro, who always makes sure that the entire process runs smoothly, and efficiently. A real Pleasure to work with!
5.0 stars
3 weeks ago
Reviewed by
Maria Reinhart
I cannot recommend " The Lender", my account rep Raymond Lorini and their team enough! I've closed several loans with them, but this is the second time they’ve worked their magic for me, and once again, they exceeded all expectations. They previously closed a deal in just 8 days, and this time, they pulled off another incredible closing. The entire team was involved, working seamlessly to ensure everything was completed on time and with absolute professionalism. Their dedication, communication, and efficiency are unmatched. If you need a lender who truly delivers, look no further they are the best in the business! 👏🏡✨
Thank you again for an amazing experience!
5.0 stars
3 weeks ago
Reviewed by
Amy
This was my first time using TheLender, and I was truly impressed with the level of service and communication throughout the process. Conrad and Igor were great with helping us get the file set up and submitted. Our AM Carmine was truly incredible to work with! He was quick to respond, answer any questions I had, and took the time to show me how to navigate their system. He also assisted with getting UW condition questions addressed and ultimately cleared. What a fantastic experience! Kathy in closing was amazing as well. I look forward to working with them again!
5.0 stars
3 weeks ago
Reviewed by
Ivy Evangelista
Carmine and Team Express,
I wanted to take a moment to express my gratitude for the exceptional work you continue to deliver. Carmine's professionalism, effectiveness, and dedication to understanding our needs truly stand out. He consistently goes above and beyond to ensure everything runs smoothly.
Additionally, Beth and Phil’s availability and genuine care for our business make a significant difference. Knowing they are just a phone call away gives us great confidence in our partnership.
Thank you again for your outstanding support!
5.0 stars
2 months ago
Reviewed by
jake Profitpunks
Jonathan Rodriguez made the lending process incredibly easy and seamless! From start to finish, he was professional, attentive, and always ready to answer any questions I had. He went above and beyond to ensure everything was handled smoothly and efficiently. His expertise and guidance were invaluable, and I couldn’t have asked for a better experience. If you’re looking for someone who truly cares and will make the process stress-free, Jonathan is the one to call. Highly recommend!
5.0 stars
2 months ago
Reviewed by
Operation Management
Another Success Closing! I love working with Steve. Working with Steve Nelson is always a pleasure, very attentive and knowledgeable. Excellent AE to have on your team to ensure you and your clients receive the best. He is always available which speaks volume when you are working with clients after hours. Many thanks to Steve N., Brittany K., Shelby S, Jennifer W. and all the other individuals that work together to make the process successful. Thanks again for making clients dreams come true.
