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 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'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 Nobil Avatar Jonathan Nobil
  • 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 Crump Avatar James Crump
  • 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 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 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.
  • 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 Kumar Avatar Abhijit Kumar
  • 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 Spinella Avatar Florencia Spinella
  • It was awesome to speak with STEM Lending team on the A-to-Z of mortgage process. They had a pretty thorough knowledge and patiently walked us through the steps involved and how to save. Definitely check them out.

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

    Sree Vetukuri Avatar Sree Vetukuri
  • 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.
  • 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 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.

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