thelender.com Reviews 

They keep spam calling me while I'm working, after I told them I wasn't interested. I answer the call and the line drops immediately. I call back and ask who they are, and they hang up on me. Do not use this company.

Horrible experience. We submitted a loan and asked three times about the max loan to value. We have emails in hand that show the area manager confirmed that he ran it by management and upper management and we would have no issue on 80% LTV. We again confirmed it when the conditions came out since they said 75%. The manager said no worries, he covered it with UW Manager and it was 80%. A week before closing... you guessed it. They can not do 80%. I even showed them the emails to prove they confirmed it. DO NOT USE THEM if you value your clients

This is by far the worst lending experience I've ever had.
We worked on a loan for over 45 days and received multiple conditional approval letters from the underwriter. On the day of closing, the underwriter stated, "I could clear this to close, but I won't," forcing us to escalate the file to regional management.
After finally getting the file reviewed by the appropriate leadership, we discovered that the loan program the underwriter had been structuring and representing throughout the process didn't even exist. After weeks of work, contract extensions, added costs, and unnecessary stress for everyone involved, the only resolution was a denial letter with no accountability for the errors that led to this outcome.
This level of negligence and unprofessionalism is unacceptable. Borrowers, agents, and loan officers deserve accurate guidance and competent underwriting—not misinformation that results in a failed closing after more than a month of work.
DO NOT USE THEM!

Everything went fine at first, however went completely sideways when they took their payment out of my account 3 days before my payday. Then the collections calls and emails came on like a wild fire. I was charged a $60 declined fee. I would have had no problem what so ever paying that fee if it were my fault, but they took the payment early and caused the NSF fee both with them and my bank. So in total this cost me an extra $108. The collections department claimed they were going to check with the "back office" regarding sending me back the $60 fee. But of course once I paid the load off in full just to get away from them. I got a congratulations your loan is paid in full and then nothing. I emailed a couple more times requesting an update about getting the $60 back and nothing.
Will never use them again

Horrid service. Do not get anything from them. They ignore your emails and keep emailing you with out finding a solution. They harrass and threaten you instead of helping out. I got the service because I am a single mom without help and needed funds. Got this and now truly regret it. Stay away from them as they are the only company that has no help no matter how much you ask them for it.

My experience with Cody Yu at TheLender was unfortunately quite disappointing. From the beginning, his communication style felt dismissive and lacked the level of professionalism I would normally expect from a recruiter.

There was a noticeable tone of arrogance in our interaction, and at times his responses came across as impatient and lacking basic courtesy. As a candidate, I value clear, respectful communication, and that standard was not met in this case.

A recruiter often serves as the first impression of a company, so this experience raised concerns about the overall professionalism and candidate experience at TheLender. I hope they take steps to improve this moving forward.

I have used this company a few times and never had issues with my payments. Unfortunately I had some personal situation and it became really rough! I began to communicate with them regarding my situation and was always answering emails and trying to work with them. 1st they have an employee named “Norah” who threatens me in text and emails and speaking with me inappropriately. She was behaving as if I ignored and was some deadbeat!
I explained that my account in negative and I have no money so please do not process a payment which set up the wrong the date in error- I even sent a picture of my - account balance and all- for 3 days this employee instead to help- refused and caused severe stress and I am in shock that a company who knows their is no money- will still process a payment in the account and then they charge NSF fee.

This company is terrible- do not use them- they mae so much money but when I ran into issues one time- they treat worse than a loan shark! They caused me sleepless nights since Monday- trying to make sure not to process a payment tha doesn’t exist!

Scammers! Don’t use them lots of other great companies- lots! Who work with clients not treat the like shit even when things are tough!

Even the bank told me to let them know so they don’t process payment- what kind of company processes payment when they know it won’t go through!

I HAVE RECIEVED AN EMAIL NOW THAT THIS AGENT REPORTED ME TO ALL CREDIT BUREUS BECAUSE I POSTED THIS AS I LET HER KNOW! And she refuses to give me a managers contact info!

This company is not professional, harassing and unreal!

You will lose everything working with The Lender

If you value your clients, your time, or your reputation, stay away from this company. I currently have an ongoing deal with The Lender, and from the look of things, it is headed straight for collapse. This is my first transaction with them and it will absolutely be my last.

Communication is a complete disaster. Underwriting, processing, and funding seem to operate in separate silos with zero coordination. Every step feels like a guessing game and no one takes ownership when mistakes are made. You will be told things are cleared or approved only to find out later that nothing has been handled correctly.

They make promises they cannot keep, timelines they do not honor, and excuses they repeat. The lack of transparency and professionalism has not only cost valuable time but has also put my client’s trust and deal at serious risk.

I would not wish this experience on any borrower or broker trying to close a clean file.

Consider this your warning not to do business with this company.

Note these names:
Ethan Castano: he will lie through his teeth and will never take accountability. Don't trust this man, 2 years with this company and he has no clue what he is doing. Definitely great at faking it.

Rudy Castillo: Equally terrible

Sarah Davis: if she is handling your files, your loan may never close.

I had a very disappointing experience with The Lender. The process was disorganized from the start—communication was poor, timelines were constantly pushed back, and I often had to follow up multiple times just to get basic updates. What was promised at the beginning of the process didn’t match the reality, and it ended up costing me a lot of time and stress.

I would not recommend this company if you’re looking for reliability, transparency, or a smooth lending experience. There are plenty of other lenders who are more professional and straightforward.

The calls have a recorded message to make you feel someone is using your information to apply for a loan. And then one they get you own the line it because a marketing thing. Comes across as a scam

After submitting a file, be ready to ask the LORD for help with any issues that may arise because the AE will be unable or unwilling to do much other than help submit file initially and lock a loan. DO NOT USE IF NEED closed soon as rushes do not exist no matter what the AE tells you initially. Not your typical Non-QM lender that goes out of their way to figure out a solution. Guess there may be worse out there but I yet to come across them.

TheLender has completely failed my company, my clients, and my trust.

After repeated instances of blatant mismanagement, I’ve made the decision to sever all ties and pull the four active loans we had with this lender. The damage done by this team is inexcusable. They have repeatedly misled my staff, falsely claimed loans were locked when they were not, and lied about files being clear-to-close when they were nowhere near ready. In some cases, disclosures were sent late or not at all causing irreparable delays and confusion for my borrowers. Rudy Castillo manager here does not take ownership for his AE or AM nor stands by his word lying to myself and my staff regarding the status of files. You would hope that a mortgage broker with 15 years experience along with solid borrowers being submitted worth millions of dollars in loans would be worth something but it appears that they do not care about service or relationships.

The level of disorganization, lack of communication, and zero accountability from their operations staff is staggering. This lender’s negligence has not only cost me client relationships, but has put long-standing realtor partnerships at serious risk. I’ve had to personally escalate issues all the way to the CEO Cory who doesn’t answer calls or return them only to get late emails back then complete silence speaks volumes...

This is not just about bad service. It’s about a lender who undermines the reputation and integrity of every mortgage professional who puts their trust in them. I will never send another deal to theLender again and I strongly urge other professionals to proceed with extreme caution.

Been in the mortgage business for 20 plus years and never had a worse experience... Told them upfront what the deal was and the rep and manger said no problem, not an issue, then one thing after another... jumped through hoops, even got the employer to provide a guarantee letter for income. I don't have an issue with a lender not doing a loan but don't say you can do it then drag people through the ringer and then come back after all conditions are meet and tell them you can't. I would tell every broker to stay far away from this lender and i will certainly pass this along to the 500 plus loan officers in my company to not send them any business. Should be called "the worst" not "the lender". as they clearly aren't.

I would give 0 stars. Rather than deferring my payment I had asked to make a partial payment as I was off work sick. They wanted my banking information.. I couldn’t understand why. Again I said I could make a payment but the whole amount will NSF they then told me that I will have to deal with collections. Very professional 🙄

If I could give 0 stars I would, the most fraudulent company I have ever dealt with.
Accepted a debt management proposal and then continued to debit my bank account illegally. Don't ever borrow from this company!!!

My experience with TheLender has been very well. I have been able to cultivate a relationship with my Account Executive Andrew L. on several technical loans. Other lenders on the same arena continue to offer similar mortgage loan programs but cannot seem to either keep their word or make their program work to close a loan. The communication and work ethic of the executives at TheLender I have worked with have made it very comfortable for me and my clients. I would like to thank Linda M. and Anitza D. for their countless efforts and going all the way to make my clients feel good and making my experience great. I will always continue to send loans to them because I know my loans will close.

I am approved for a loan up to 1500 so I only want to take out 300 then they tell me that my loan was denied one of the worst places ever I think they just want my bank account information why say I’m approved for 1500 so I only want 300 and tell me I’m denied

I wish there was a 0 star what a worthless company

Cameron LeClair of the Lender is a hard working knowledge wholesale mortgage account representative who always goes above and beyond. He always returns calls within minutes of me leaving him a message. He deserves the highest utmost respect for always going above and beyond for his loan officer clients and make each borrower special. Kudos to Cameron LeClair of The Lender.

The Lender is the WORST lender I have ever dealt with professionally. As a mortgage broker, I deal with tons of lenders and The Lender is leaps and bounds worse than any other. If you care about your company and/or your clients DO NOT DO BUSINESS with this company. Their lack of urgency and care will cause you to lose clients.