About Lendspedia

We're Not a Lender. We're Your Advocate.

Lendspedia is a free loan comparison marketplace operated by Solcertain LLC. We help everyday borrowers get the advantage that only informed rate-shoppers used to have.

Who we are

Lendspedia is a free online loan comparison marketplace, operated by Solcertain LLC in the United States. We are not a mortgage lender, broker, or creditor — we match borrowers with licensed, NMLS-verified lenders who compete for their business. Matching uses a soft credit pull only (no score impact), and using Lendspedia is always free for borrowers. We are paid a referral fee by lenders, and our algorithm ranks lenders by fit for you, not by who pays us the most.

Our Mission

Make Comparison Shopping Automatic

Nearly 8 in 10 borrowers accept the first rate they're offered — leaving an average of $3,000+ on the table over the life of a loan (Freddie Mac, 2023). We built Lendspedia to fix that. Answer a few questions once, and we put licensed lenders in competition for your loan, so the best rate finds you instead of the other way around.

Unbiased, fit-first matching
Licensed, NMLS-verified lenders only
No sales pressure, no spam
$3K+

Average Savings

What borrowers save over a loan's life by comparing at least three lenders instead of taking the first offer.

Transparency

How Lendspedia Makes Money

Borrowers pay us nothing. Here's exactly how the model works — and why it stays unbiased.

Aligned with the borrower
01

Free for Borrowers

You never pay a fee to use Lendspedia, complete the assessment, or receive rate quotes. There are no application charges and no obligation at any stage.

02

Lenders Pay a Referral Fee

Lenders in our network pay us a referral fee when they connect with a matched borrower. That's standard for loan marketplaces — and it's why the service is free for you.

03

Ranked by Fit, Not by Pay

Our matching algorithm ranks lenders by how well they fit your profile and goals — never by who pays us the most. Competition among lenders is what drives your rate down.

NMLS-Verified Lenders Only
Our Standards

Every Lender Is Licensed and Vetted

We don't let just anyone into the network. Every partner lender must clear our standards before they can receive a single borrower match.

  • Active NMLS registration required
  • Onboarding review and minimum customer-satisfaction scoring
  • Transparent rate and fee disclosure
  • Agreement to our fair-lending code of conduct
  • TCPA-compliant, consent-based borrower contact
Leadership

The Founders Behind Lendspedia

Lendspedia was built by three co-founders around one conviction: no borrower should have to accept the first offer they're handed.

Patrick Decelles, Co-Founder of Lendspedia

Patrick Decelles

Co-Founder

Co-founded Lendspedia to put licensed lenders in competition for every borrower, instead of leaving borrowers to chase lenders one at a time.

Art Smith

Co-Founder

Co-founded Lendspedia on the belief that comparison shopping for a loan should be automatic — not a research project most people never finish.

Stephen Burkhalter, Co-Founder of Lendspedia

Stephen Burkhalter

Co-Founder

Co-founded Lendspedia to build a marketplace that ranks lenders by how well they fit the borrower — never by which lender pays the most.

Common Questions

About Lendspedia — FAQ

No. Lendspedia is a free loan comparison marketplace, not a mortgage lender, broker, or creditor. We do not make loans or credit decisions — we match borrowers with licensed, NMLS-verified lenders who compete for their business.
Lendspedia is free for borrowers. We are paid a referral fee by lenders in our network. Our matching algorithm ranks lenders by fit for your profile — not by who pays us the most.
Lendspedia is operated by Solcertain LLC, a United States company. All partner lenders must hold active NMLS registration and agree to fair-lending standards before joining the network.
No. Matching uses a soft credit inquiry only, which has zero impact on your score. A hard inquiry happens only if you choose to formally apply with one of your matched lenders.
Now Matching Borrowers

See What Competing Lenders Offer You

Complete a brief assessment and we'll match you with licensed, verified lenders competing for your business — completely free, no obligation.

Take the Free Rate Check