Crestmark Lending

What Crestmark Lending does

Crestmark Lending LLC is a privately held, DSCR-focused mortgage broker founded in 2025 and headquartered in Southlake, Texas (NMLS #2789535). The company serves individual real estate investors across the United States by originating Debt Service Coverage Ratio loans, where qualification is based on the rental income of the subject property rather than the borrower's personal income, W-2s, or tax returns. Its target customers include buy-and-hold investors, BRRRR investors, short-term rental (Airbnb/VRBO) hosts, self-employed borrowers, and LLC/entity-owned rental portfolios.

The company's core product is a nationwide broker platform that matches investor loan requests to over 20 wholesale DSCR lending partners, enabling comparison of rates, terms, and program fit across lenders. The product portfolio spans DSCR purchase and refinance loans, multifamily (2-4 unit) loans, LLC/entity loans, jumbo DSCR loans up to $3-5 million, renovation/rehab loans with rolled-in costs, and STR-specific programs that may qualify using AirDNA data. A DSCR calculator tool supports borrower self-service. Loan amounts range from $75,000 to $5 million, with typical 20-25% down payments and cash-out up to 80% LTV. The platform currently operates in 38 states with stated expansion toward all 50.

Crestmark's business model is transaction-fee based: as a broker it earns origination compensation from wholesale lender partners rather than charging borrowers directly. The company has no public API, no proprietary technology platform, and no disclosed funding. It distributes through direct sales (phone, contact forms), SEO-optimized content marketing, organic social media, PRWeb press releases, and customer referrals, supported by a 4.6/5 Google review score across 54 reviews. The team is small (~5-6 NMLS-licensed originators including a Branch Manager, Sr. Loan Officer, and Loan Officers), with Ryan Collins identified as founder.

Name

Crestmark Lending

Legal name

Crestmark Lending LLC

Website

https://crestmarklending.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

Crestmark Lending is a privately held, DSCR-focused mortgage broker headquartered in Southlake, Texas, that matches U.S. real estate investors with over 20 wholesale lending partners for rental property purchase, refinance, jumbo, multifamily, LLC, and STR financing based on rental income rather than personal income.

Ownership category

akta.pro rank

Product category

Commercial Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163)

akta.pro primary industry

CRE Loan Syndication & Participation (FSALADAK)

Keywords

• DSCR loans
• Investment property financing
• Mortgage brokerage
• Real estate investor loans
• Wholesale lending

Headquarters

HQ city

Southlake

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. DSCR Loan Origination/Brokerage: As a mortgage broker, Crestmark Lending earns fees from wholesale lending partners for originating DSCR loans. They compare options from multiple lenders and structure deals, earning compensation typically through origination fees paid by the lender side of the transaction. The company does not charge borrowers directly for their broker services.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Crestmark Lending LLC is a DSCR-focused mortgage broker that connects real estate investors with over 20 wholesale lending partners across 38+ U.S. states, with plans to expand nationwide. The company originates Debt Service Coverage Ratio (DSCR) loans for investment properties, including single-family rentals, short-term rentals (Airbnb/VRBO), multifamily properties, and LLC-held assets. Operating from Southlake, TX, Crestmark acts as an intermediary rather than a direct lender, earning broker compensation from wholesale lender partners.

Product overview

Crestmark Lending is a specialized mortgage broker offering a unified DSCR (Debt Service Coverage Ratio) lending platform for real estate investors. The core product is a nationwide DSCR loan platform that connects investors with 20+ wholesale lending partners. The product portfolio includes: DSCR Purchase Loans and DSCR Refinance Loans as the primary loan types, complemented by Multifamily DSCR Loans for 2-4 unit properties, LLC DSCR Loans for entity-owned properties, DSCR Jumbo Loans for high-balance financing ($3-5M), and Renovation & Rehab DSCR Loans for value-add investments. Additional offerings include Short-Term Rental (Airbnb/VRBO) DSCR Loans and a DSCR Calculator tool. All products share the common characteristic of qualifying borrowers based on property rental income rather than personal income documentation.

Differentiator

Problem solved

Functional benefit

Products and services

• DSCR Purchase Loans Debt Service Coverage Ratio loans used by real estate investors to finance the acquisition of investment properties, underwritten primarily on rental income rather than the borrower's personal income.
• DSCR Refinance Loans Refinancing solutions for investors holding existing investment properties, structured around the property's rental cash flow and DSCR profile.
• Multifamily DSCR Loans DSCR financing tailored for multifamily rental properties, including small apartment buildings and multi-unit investments held by individual investors or entities.
• LLC DSCR Loans DSCR loans extended to borrowing entities such as LLCs that hold title to investment real estate, allowing investors to close in the name of their entity.
• DSCR Jumbo Loans Larger-balance DSCR financing for high-value investment properties exceeding conforming loan limits, underwritten on rental income.
• Renovation & Rehab DSCR Loans DSCR financing for investors purchasing or refinancing properties that require renovation or rehabilitation work.
• Short-Term Rental (Airbnb/VRBO) DSCR Loans DSCR loans tailored for short-term rental investment properties operating on platforms such as Airbnb and VRBO, sized against projected rental income.

Quantifiable outcome

• Fast closings in 21 days or less
• +2 more outcomes

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Kontent Mortgage: Smaller non-QM/DSCR-focused mortgage originator competing for the same investor niche; similar scale and specialization to Crestmark.

Direct peers

• Newfi (Loan Scene): Non-QM and DSCR lender focused on self-employed and real estate investor borrowers, distributing through a wholesale broker network that mirrors Crestmark's GTM.
• Kiavi: Direct lender to real estate investors offering capital for purchase, refinance, and renovation of investment property, including DSCR-style rental loans; competes head-to-head with Crestmark's investor-focused rental financing, though as a balance-sheet lender rather than broker.
• Angel Oak Mortgage Solutions: Wholesale non-QM and DSCR lender that distributes through a broker channel similar to Crestmark's model, with comparable focus on investor and self-employed borrowers.
• RCN Capital: Direct private lender to real estate investors offering rental (DSCR) and fix-and-flip products; a competing channel for investor financing demand.
• LendingOne: Direct lender for DSCR rental and rehab financing to real estate investors via both retail and broker channels, overlapping with Crestmark on rental property purchase, cash-out, and rehab loans.
• Visio Lending: Pioneer of DSCR rental loans for 1-4 unit investor properties; core overlap with Crestmark's rental DSCR purchase and refinance products.
• Lima One Capital: Major direct lender specializing in DSCR rental and fix-and-flip loans to real estate investors; operates both a direct channel and a wholesale broker channel that competes with Crestmark's retail broker model.

Broad incumbents

• Caliber Home Loans: Large diversified mortgage originator and servicer with a non-QM/DSCR division serving investors; competes for refinancing and DSCR volume from a much broader product suite.
• A&D Mortgage: Established wholesale non-QM lender offering DSCR, jumbo non-QM, and investor products distributed primarily through the broker channel; broader portfolio makes it a wide-incumbent peer and a likely wholesale partner to Crestmark.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CrestmarkDSCR
• YouTubeyoutube.com/@CrestmarkLending
• Facebookfacebook.com/crestmarklending
• LinkedInlinkedin.com/company/crestmark-lending

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Crestmark Lending