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.

Painless 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

We show you dozens of 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:


  • 5 star ratingI thought getting my first mortgage was going to be the worst. I asked my friends for recommendations, and one friend highly recommended STEM, so I got in touch. Still, I expected the process to be torturous, but I was pleasantly surprised (seriously, I would do it again!).
    I know more about mortgages than I ever thought I would, and I actually think I understood all my options, thanks to their patience and ability to explain everything. I think I asked some really dumb questions, and they were not fazed at all by my ignorance.
    I highly recommend using them.

    Jeffrey Y. Avatar Jeffrey Y.
  • 5 star ratingHakim and Shantanu are great! They work tirelessly for you and I highly recommend STEM Lending!

    Deepak C. Avatar Deepak C.
  • 5 star ratingteam 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.
  • 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.
  • Stemlending is a boon for affordable and accessible Loans. Definately go for it.

    Divyam M. Avatar Divyam M.
  • If you to understand the process of buying your dream home then this is place to go. This company makes your dream their priority!

    James C. Avatar James C.
  • 5 star ratingI came to know of STEM Lending through a fellow networking buddy and also did my research since I'll soon be a first time home buyer! Shantanu, is super friendly and offers the the best services. STEM Lending will be getting my business when I'm ready to take those first steps into home buying!

    Joshua B. Avatar Joshua B.
  • 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 helps you avoid the hassle from mortgage shopping -- we compared multiple quotes with a single application and did not get hit with multiple credit checks. Better rate quote than other options in the Philly area, and saves a lot of time.  Try it out!

    Deepak B. Avatar Deepak B.
  • 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.
  • Stem Lending is an amazing place to start if you're either a first time or an experienced home buyer. I've been using their website to understand my position as a first time home buyer in the craziest real estate market in the world (San Francisco Bay Area), and found the rates to be competitive and a ton of resources for those who may have questions.

    Abhijit K. Avatar Abhijit K.
  • 5 star ratingWe had a very tight timeline for our large family's recent move. Shantanu and others at STEM Lending helped us to get to closing successfully and on time. They answered our many questions along the way and were supportive and responsive. They also offered the best interest rate and lowest closing costs that we could find! Highly recommend!

    Rachel D. Avatar Rachel D.
  • 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.
  • I definitely recommend STEM LENDING - easy and convenient to get a loan.

    Sree V. Avatar Sree V.
  • STEM Lending made it SO easy to get a loan. Why? Well, they have a knowledgeable, honest and extremely helpful team. They know how to provide a GREAT customer service. Thank you so much! Forget the banks - go for STEM Lending. I definitely recommend it.

    Florencia S. Avatar Florencia S.

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