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Where does Lenda do business?

Lenda is a direct lender based in San Francisco, CA. The company was founded in 2012 and offers mortgage refinancing to borrowers in 12 states across the USA.

What range of mortgage balances will Lenda refinance?

Mortgage refianancing loans start at $75000 and go up to $2500000

What is the maximum loan term for a mortgage refinance via Lenda?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. Lenda offers mortgages refinancing with terms ranging from 15 to 30 years.

What is the estimated funding time for a mortgage refinance with Lenda?

Lenda will typically approve (or deny) a mortgage refinance application within 48 hours and fund mortgage refinances within 5 and 14 days of approval.

Does Lenda charge a mortgage origination fee?

No, Lenda does not charge a mortgage origination fee.

Some lenders charge an origination fee for processing, underwriting, and funding a mortgage. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does Lenda charge prepayment fees?

No, Lenda does not charge prepayment fees. This means you will not have to pay additional fees if you decide to repay the mortgage early.

What mortgage programs does Lenda offer?

Lenda offers the following mortgage programs:

  • Conventional mortgages
  • FHA

What property usage types does Lenda allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Lenda allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
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  • Headquarters
  • 44 Tehama Street
    San Francisco, CA 94105 USA
  • Visit Site

Other Services by Lenda


Available in 12 States
  • Arizona
  • California
  • Colorado
  • Florida
  • Georgia
  • Illinois
  • Michigan
  • Oregon
  • Pennsylvania
  • Texas
  • Virginia
  • Washington

Feature Breakdown

No Origination Fee
No Prepayment Fee
Property Type
  • Multi-Family Home
  • Single Family Home
  • Townhome
Joint Loan Applications Accepted
  • Co-borrower
  • Co-signer
Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Verification Documents Required
  • Proof of Identity
  • Proof of Income
  • Proof of Residence
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount
$75K - $2.5M
$5K $100M
Loan Term (Years)
15 - 30
5 40

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