LendingOne is one of the nation’s leading direct lenders for real estate investors—from individual operators to institutional firms. Whether you're funding a single fix and flip, growing a long-term rental portfolio, or developing a large-scale build-to-rent community, we offer flexible capital solutions to help you scale with confidence.Backed by a leading global asset management firm, we combine financial strength with deep industry expertise to deliver reliable capital, fast closings, and the certainty investors need to grow. Our suite of loan products includes Fix and Flip, DSCR Rental, Fix to Rent, SFR Portfolio, and New Construction financing.Through our dedicated Institutional Group, we provide specialized lending for high-value, complex transactions—offering customized non-recourse loans for BTR aggregation and renovation facilities, as well as SFR portfolio term loans with capacities of $100M+ and flexible 5-, 7-, and 10-year terms.Our commitment to long-term strategic partnerships has earned us the loyalty of thousands of repeat borrowers each year. Discover why LendingOne is the preferred specialty mortgage lender for investors nationwide seeking certainty, scalability, and a smarter way to invest.
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Is LendingOne, LLC legit?
LendingOne, LLC (lendingone.com) has a 4.7 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-01.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the knowledgeable staff for providing helpful guidance, professional support, and maintaining clear communication throughout the entire loan process. Consumers highlight the efficient service and smooth user experience, noting that fast response times make multi-property transactions and refinancing remarkably easy. Reviewers frequently emphasize that team members are very transparent, proactive, and always available to answer questions promptly.
However, some people mentioned experiencing disorganized refinances, noting repetitive requests for the same information, lack of clear follow-up, and sudden demands for additional documents. A few reviewers also noted occasional communication gaps regarding missing paperwork and delayed administrative responses.
Auto-generated from all reviews of this business. For reference only.
Great communication, transparency and turnaround times!
It was a very challenging process and i had a hard close date. Thankful for the team for keeping that in mind and making it happen on the expected closing date. Full transparency from start to end. Super appreciative of that. It was truly a team effort. Great communication and fast turnaround times! BIG THANK YOU.
Reply from LendingOne, LLC2026-04-02
Thank you for trusting us and for working so closely with the lending team. We appreciate your patience and understanding through the challenges as well. We are glad to be a part of your team and look forward to working with you again very soon. Sincerely - LendingOne
Out of all the lenders we've worked with, LendingOne seems to be the easiest to work with.
Reply from LendingOne, LLC2026-03-28
We are honored by your feedback! Our goal is to make financing the easiest part of your project. We value working together and look forward to being your partner for many years to come. Sincerely - LendingOne
I feel like responsiveness is one of the most important aspects of working with a lender and my team was very responsive.
Reply from LendingOne, LLC2026-03-24
We are so appreciative of this review, thank you! It was a pleasure working with you as well. We look forward to your continued business. All the best - LendingOne
We value and appreciate your trust in our ability to deliver. Thank you for the opportunity, and we look forward to working with you again in the near future. All the best - LendingOne
Excellent experience again. Now my 3rd loan and they run smoothe and get the best rates.
Reply from LendingOne, LLC2026-03-21
We are glad to be your lending partner, and we look forward to many years of continued partnership. Thank you for putting your trust in us to handle your financing needs.
Good LTV and rate for landlord loan i got. But very slow and long process with many representative not very efficient. Needs better streamlining
Reply from LendingOne, LLC2026-03-18
Thank you for the feedback. A member of our Customer Success team will reach out to you shortly to understand how we could have improved your experience. Alternatively, if you would prefer to connect with us directly, please feel free to reach out at [email protected].
The whole team was great.
Questions answered promptly. Everyone was sync'd in to get me closed within the timelines promised. Navigated the expected and unexpected bumps professionally. Khalid and his team was great. Working on bringing my next deal to you guys.
Reply from LendingOne, LLC2026-03-18
We are so appreciative of your review. We are very excited to work with you again on your next deal. Call us anytime!
great team everyone I worked with professional diligent and friendly. Justine was my main point of contact this is now my 3 rd deal I have done with him
Reply from LendingOne, LLC2026-03-11
Three deals and counting! Thank you so much for your loyalty and for the shout-out to Justin. We’ll make sure he sees this. We look forward to working with you again!
My experience working with Lending One was amazing. I have now worked with Sean Kunik loan officer a handful of times and he is nothing short of a true professional. Very responsive and transparent. For a few years now Iv been putting my trust in Lending One to get my deal closed and they never let me down.
Reply from LendingOne, LLC2026-03-08
Thank you for the 5-star review! We’re so glad Sean has consistently delivered the professional, transparent service you deserve. We truly appreciate your continued trust in LendingOne over the years and look forward to many more successful closings together!
Thank you for the great review! we will be sure to pass along your feedback to Fabrizio and the rest of the team! Look forward to working with you again!
Very professional company Made the the process fast and Easy!! Would recommend to all friends and family. Big thank you to Alex and Stacie .
Reply from LendingOne, LLC2026-03-02
We appreciate the 5-stars! It’s wonderful to know Alex and Stacie took such great care of you. Thank you for choosing us and for being willing to recommend us to your inner circle. We look forward to working with you again!
The 5-day grace period on the monthly loan payments is very tight. I have tried several times to get Lending One to expand the grace period to 10 days or 15 days, but to no avail.
I am conducting a search to identify another lender
has a more expanded grace period.
Reply from LendingOne, LLC2026-02-28
We take your feedback seriously and want to better understand where we can assist. A member of our Customer Success team will be reaching out to you shortly. Alternatively, if you would prefer to connect with us directly, please feel free to reach out at [email protected].
David and his team are professional, personable, transparent and very efficient. Closed in less than a month on a loan we urgently needed to refinance. Great experience and will definitely call for my next DSCR. Thanks to everyone on the team who worked on my loan.
Reply from LendingOne, LLC2026-02-26
Thanks so much for the 5-star shout-out! We’re glad we could move fast and get everything squared away on time. It's always nice when our customers call out our team for their work -- we will be sure to pass along your feedback to David and the rest of the operations team that helped to get your deal across the finish line. We look forward to working with you on your next project—give us a call whenever you're ready!
Most disorganized refinance I’ve ever been a part of. Received numerous requests for the same information, which was provided every time. Had to move the closing date 3 times and, even after receiving the ‘clear to close’ and signing all the docs was notified that there were more missing documents and the loans couldn’t be funded. Total disaster.
Reply from LendingOne, LLC2026-02-23
Thank you for the honest feedback. We sincerely apologize for the repetitive requests and the delays in your funding; that is far from the experience we want for our clients.
We’d appreciate the chance to learn more about where our process broke down. A member of our Customer Success team will be reaching out to you shortly to discuss your experience. Alternatively, you can contact us directly at [email protected]. We want to make sure this is addressed properly.
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