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Business Page


business profile image

theLender

Lender
4.8 stars
820 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

Licenses


Company NMLS
#133519
Additional info available at the NMLS consumer access website

More ways to connect


(615) 257-5916

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 (820)


4.8 stars
820 Reviews
4.8 stars
820 Reviews
0.0 star
0 Reviews

reviewer image
5.0 stars
|
6 days ago
Reviewed by Karisha M
The Lender was very informative and understanding throughout the process from the beginning to the ending. They were very detailed. When we had questions they responded in a timely manner. Thank you for a great experience. Happy Holidays!
reviewer image
5.0 stars
|
a week 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!
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by Rob Dombrowski
Erik, Brittany, and Stacey are beyond amazing! Simply the best team to work with. Their communication and professionalism goes beyond expectation. They are extremely pleasant to work with, and they take the time to ensure everything is explained correctly. I would give 10 STARS if I could! Best Lending Team Ever!
reviewer image
5.0 stars
|
3 weeks 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.
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by Mona Osman
This was my second time closing a loan with TheLender, and once again, the experience was outstanding! Beth went above and beyond, Carmine’s support was incredibly helpful, and Katherine, my closer, was both efficient and a joy to work with. From start to finish, the entire process was smooth, and my borrower was thrilled with the outcome. Huge thanks to this amazing team—I’m excited to work together on many more deals!
reviewer image
5.0 stars
|
2 months ago
Reviewed by The Little Lender
We've had the pleasure of working with Carmine as our account manager, and we couldn't be more satisfied with the level of service he's provided. From the start, Carmine has been incredibly helpful, always prompt in answering our questions and addressing any concerns we have. His communication is top-notch, keeping us updated regularly and ensuring we're informed every step of the way. Carmine’s proactive approach has made the entire process smooth and efficient. We truly appreciate his dedication and professionalism and highly recommend him to anyone looking for exceptional service in this industry!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Noah Wright
It is with the utmost pleasure that I pen these words in praise of the exemplary service I have received from theLender. In all my years as a mortgage broker, I have encountered few, if any, institutions that compare to the exceptional professionalism exhibited by this most distinguished wholesale lender. Particularly, I must commend the incomparable efforts of both James and Caitlin, whose diligence and dedication to my clients’ needs hath far exceeded all reasonable expectations. James, ever astute in his understanding, hath guided me through each transaction with such clarity and precision that the process seems a marvel of efficiency. His counsel is sound, his responsiveness unparalleled, and he doth possess a remarkable talent for untangling the most intricate of concerns. Likewise, Caitlin’s gracious manner and attention to detail art a credit to her name, as she ensures each matter is handled with the utmost care and swiftness. Together, they form a team whose service is nigh unmatched in its excellence. The terms and conditions presented by theLender are fair, transparent, and tailored to meet the diverse needs of the clients I serve. The underwriting process, though rigorous in its standards, is conducted with such expedience and thoroughness that one is left with a sense of absolute confidence in the outcome. Indeed, I can but highly recommend theLender to any who seek a partner in their financial endeavors. The combined efforts of James, Caitlin, and their team hath made my work far more fruitful, and for that, I am deeply appreciative. They are, without question, a shining example of what all lenders should aspire to be.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Eliana Eldahmy
Amazing experience with the entire team! It was a collaborative and professional approach that is refreshing when working with broker banks. It Felt like it was easy to call, email, or message any questions needed to anyone on the team. Up until the last minute the entire team pushed to get our deal done. Thank you to Juan Jimenez (sales manager - Rockstar), Brandon Bradley and David Figueroa! You all are amazing 🤩 and look forward to sending you more and more business 💪
reviewer image
5.0 stars
|
6 days ago
Reviewed by Karisha M
The Lender was very informative and understanding throughout the process from the beginning to the ending. They were very detailed. When we had questions they responded in a timely manner. Thank you for a great experience. Happy Holidays!
reviewer image
5.0 stars
|
a week 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!
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by Rob Dombrowski
Erik, Brittany, and Stacey are beyond amazing! Simply the best team to work with. Their communication and professionalism goes beyond expectation. They are extremely pleasant to work with, and they take the time to ensure everything is explained correctly. I would give 10 STARS if I could! Best Lending Team Ever!
reviewer image
5.0 stars
|
3 weeks 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.
reviewer image
5.0 stars
|
2 weeks ago
Reviewed by Mona Osman
This was my second time closing a loan with TheLender, and once again, the experience was outstanding! Beth went above and beyond, Carmine’s support was incredibly helpful, and Katherine, my closer, was both efficient and a joy to work with. From start to finish, the entire process was smooth, and my borrower was thrilled with the outcome. Huge thanks to this amazing team—I’m excited to work together on many more deals!
reviewer image
5.0 stars
|
2 months ago
Reviewed by The Little Lender
We've had the pleasure of working with Carmine as our account manager, and we couldn't be more satisfied with the level of service he's provided. From the start, Carmine has been incredibly helpful, always prompt in answering our questions and addressing any concerns we have. His communication is top-notch, keeping us updated regularly and ensuring we're informed every step of the way. Carmine’s proactive approach has made the entire process smooth and efficient. We truly appreciate his dedication and professionalism and highly recommend him to anyone looking for exceptional service in this industry!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Noah Wright
It is with the utmost pleasure that I pen these words in praise of the exemplary service I have received from theLender. In all my years as a mortgage broker, I have encountered few, if any, institutions that compare to the exceptional professionalism exhibited by this most distinguished wholesale lender. Particularly, I must commend the incomparable efforts of both James and Caitlin, whose diligence and dedication to my clients’ needs hath far exceeded all reasonable expectations. James, ever astute in his understanding, hath guided me through each transaction with such clarity and precision that the process seems a marvel of efficiency. His counsel is sound, his responsiveness unparalleled, and he doth possess a remarkable talent for untangling the most intricate of concerns. Likewise, Caitlin’s gracious manner and attention to detail art a credit to her name, as she ensures each matter is handled with the utmost care and swiftness. Together, they form a team whose service is nigh unmatched in its excellence. The terms and conditions presented by theLender are fair, transparent, and tailored to meet the diverse needs of the clients I serve. The underwriting process, though rigorous in its standards, is conducted with such expedience and thoroughness that one is left with a sense of absolute confidence in the outcome. Indeed, I can but highly recommend theLender to any who seek a partner in their financial endeavors. The combined efforts of James, Caitlin, and their team hath made my work far more fruitful, and for that, I am deeply appreciative. They are, without question, a shining example of what all lenders should aspire to be.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Eliana Eldahmy
Amazing experience with the entire team! It was a collaborative and professional approach that is refreshing when working with broker banks. It Felt like it was easy to call, email, or message any questions needed to anyone on the team. Up until the last minute the entire team pushed to get our deal done. Thank you to Juan Jimenez (sales manager - Rockstar), Brandon Bradley and David Figueroa! You all are amazing 🤩 and look forward to sending you more and more business 💪

Our Team


Chris Ledwidge
Lender