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:


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

    Boris M. Avatar
    Boris M.

    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.

    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.
  • 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.

    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.

    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.
  • 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.

    We had a very tight timeline for our large family’s move and Stem lending and Shantanu helped get us to closing successfully. They answered our many questions and were always responsive and supportive. We also got a great interest rate and very low closing costs compared to other mortgage professionals we talked to!

    Rachel S. Avatar
    Rachel S.

    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.

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