Borrower first, always
We're independent by design. We answer to you, not to any single lender, and we recommend the loan that's right — not the one that pays us most.
Our story
Founded by people who'd been failed by the process
LendWell started in 2014 when our founders — a former bank loan officer and a first-time buyer who'd been quoted three wildly different rates in one week — realized the mortgage process was stacked against the borrower. Banks pushed their own products. Comparison sites sold leads. Nobody actually worked for the person taking out the loan.
So we built the brokerage we wished existed: independent, fee-free to the borrower, and obsessed with getting people the right loan instead of the most profitable one. We connected to dozens of lenders, hired licensed officers who explain instead of upsell, and put the real numbers front and center.
A decade later we've funded $3.8 billion in home loans and helped more than 18,500 families into homes — but the founding rule hasn't changed: one dedicated loan officer, accountable to you, from first call to closing day.
What we stand for
The values behind every loan
These principles guide how we advise, how we're paid, and how we treat the biggest financial decision most people ever make.
Radical transparency
Every rate, fee, and trade-off is laid out clearly before you commit. No fine-print surprises, ever.
Educate, don't pressure
We'd rather you understand your options and wait than rush into a loan that doesn't fit. We've told plenty of clients to hold off.
Fast and human
Technology speeds up the paperwork; a real, licensed person handles the judgment calls and answers the phone.
Access for everyone
From first-time buyers to self-employed borrowers, we work hard to find paths to approval that big banks overlook.
Trust you can verify
Fully licensed and NMLS-registered, with compliance built into every step. Your data and your loan are handled by the book.
A decade of helping people home
2014Year founded
$3.8BIn loans funded
18,500+Families helped
40+Lender partners
Our team
Licensed experts in your corner
Real people with names, faces, and NMLS numbers — the loan officers who'll guide you from pre-approval to keys.
Rachel Cole
Founder & Principal Broker
Former bank loan officer who left to build a brokerage that puts borrowers first.
Marcus Obi
Senior Loan Officer
First-time-buyer specialist who's guided thousands through their first mortgage.
Lena Novak
Refinance & Jumbo Lead
Runs the numbers so a refi or jumbo loan only happens when it truly pays off.
David Kim
Self-Employed & Investment
Structures bank-statement and DSCR loans for business owners and investors.
How we work
The LendWell way
Every borrower is different, but our approach stays the same: understand your goals, shop the market hard, and keep you informed at every step.
Understand your goals
Buying, refinancing, or investing — we start with what you're trying to achieve, not a product to sell.
Shop the whole market
We compare 40+ lenders and bring you the genuine best fit, with the real cost laid out side by side.
Guide you to closing
One dedicated officer manages the paperwork, appraisal, and underwriting until you have your keys.
Let's get you home
Talk to a licensed LendWell loan officer and see what you qualify for. No fee, no pressure, no obligation.