Pricing
LendingOne rate and points range
A published range, not a quote for a specific loan. Verified Sep 17, 2026.
Rate range
9% – 12%
Points range
1 – 3 points
This is not a quote
9%–12% is the published spread LendingOne reports for this product, checked as of Sep 17, 2026. It is not the rate any specific borrower will be offered. Pricing within it moves with the borrower's credit, the deal's leverage, the loan product, and where the broader rate market is on the day a loan actually prices — the same four levers on every lender in this directory, not something particular to LendingOne.
What's on file for this lender specifically
The fields on record for LendingOne that plug into where a loan lands in this range: a 640 minimum credit score; a 0.75 minimum DSCR; maximum leverage of 80% LTV / 90% LTC; the loan product itself (fix-and-flip, BRRRR, rental, bridge, new-construction). This page does not have LendingOne's internal pricing grid, so it cannot say how many basis points each factor is worth on its own — only that these are the levers in play for this lender, on top of whatever the rate market is doing that day.
Points, in dollars
A point is 1% of the loan amount, charged upfront at closing rather than folded into the rate. On a $250,000 loan, LendingOne's 1–3 point range works out to $ 2,500–$7,500 paid at closing, separate from the interest rate itself. A lower rate within LendingOne's range and a higher point count is a real trade-off, not a discount — run both ends of each range before comparing loans on rate alone.