How Stem Lending Works:

Stem Lending offers a simple concierge experience for mortgage. Our customers create a login and with 4 simple steps, apply for a mortgage. We fetch credit reports, verify income, assets, employment and present their mortgage application to our lending partners. Sifting through all mortgage products across all lenders, we present the products that best fit our customer’s needs. We serve as our customer's trusted advisors all the way through closing.

Fastest Pre-approval

Get pre-approved with our expert loan officers, in minutes. No hidden fees, No obligation, Full transparency.

Compare & Select the Best Loan for You

See your personalized loan options, so you can filter on what’s important to you, with exclusive rates, and loan products all in one place.

Save Thousands of Dollars At Closing

Your dedicated loan advisor will help you find serious savings by sifting through dozens. Of loans on your behalf.

Lending Partners:

Lending Partners:

Featured In:

Featured In:


  • I've known Stem Lending for a long time and they are great. In today's housing market, you really need an advocate on your side who has the flexibility and responsiveness to help you achieve your goals. Two thumbs up!

    Jonathan N. Avatar
    Jonathan N.

    5 star ratingI had a great experience with Stem Lending. We sent out bid requests to several agents and Stem came back with the most competitive package. On top of that, they provided an exceptional service, helped us understand the complex mortgage process, patiently answered questions (I had so many!) - via phone, email, or text, and always with a fast turnaround. I highly recommend Stem Lending for your mortgage!

    Florencia S. Avatar
    Florencia S.

    Hands down the easiest, most efficient, and coolest new way to find your next home.

    Tim L. Avatar
    Tim L.
  • 5 star ratingStem helps avoid submitting same mortgage applications multiple times to different banks. Their free consultation explained mortgage steps in detail. Being able to get all rate quotes with one app helped save a ton of time.

    Noel J. Avatar
    Noel J.

    5 star ratingThese site is amazing for first time home buyers, the rates were competitive, there was lots of hand-holding.  About twenty things could have gone sideways that these guys averted.  Would 100% recommend to anyone looking to buy a place.

    Koushi S. Avatar
    Koushi S.

    Finally, a mortgage platform that provides transparency and creates value -- STEM Lending

    Boris M. Avatar
    Boris M.
  • 5 star ratingI love Stem Lending! They offer so much knowledge about getting a mortgage. Stem's mortgage experts really make navigating a confusing process simple. They took the time to understand what was really important to me and were responsive to all of my questions. I would absolutely work with Stem again!

    Ben T. Avatar
    Ben T.

    Stem Lending gave one stop shop for comparing multiple mortgage lenders on one place, making mortgage closing process very easy. Highly recommended!

    Santosh T. Avatar
    Santosh T.

    5 star ratingThe team is knowledgable and experienced, service is personal, and they take the time to understand your needs. would recommend them to anyone!

    Heter M. Avatar
    Heter M.

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