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Lender transparency scores

The share of 12 core STR loan terms each lender publishes on its own website or program documents. It measures how much is published, not loan quality, pricing or service. A lower score means we couldn't find those terms in public, not that the lender lacks them. Direct lenders only: 25 ranked; referral sources such as Easy Lending USA are not ranked.

Lenders can raise their score

When a lender publishes more of its terms, we re-check and update the score. Lenders and readers can send us the page where the terms now appear. Scores use lender data last verified Oct 19, 2026. How the score works.

Ranking

RankLenderScoreFieldsLast checkedDetails
1 Griffin Funding 92% 11/12 Oct 19, 2026 See fields for Griffin Funding
1 Lima One Capital 92% 11/12 Oct 19, 2026 See fields for Lima One Capital
1 Logan Finance 92% 11/12 Oct 19, 2026 See fields for Logan Finance
4 Acra Lending 83% 10/12 Oct 19, 2026 See fields for Acra Lending
4 Defy Mortgage 83% 10/12 Oct 19, 2026 See fields for Defy Mortgage
4 Easy Street Capital 83% 10/12 Oct 19, 2026 See fields for Easy Street Capital
4 New Silver 83% 10/12 Oct 19, 2026 See fields for New Silver
4 Newfi Wholesale 83% 10/12 Oct 19, 2026 See fields for Newfi Wholesale
4 Quickline Capital 83% 10/12 Oct 19, 2026 See fields for Quickline Capital
10 1st Nationwide Mortgage 75% 9/12 Oct 19, 2026 See fields for 1st Nationwide Mortgage
10 A&D Mortgage 75% 9/12 Oct 19, 2026 See fields for A&D Mortgage
10 America Mortgages 75% 9/12 Oct 19, 2026 See fields for America Mortgages
10 LendSure Mortgage 75% 9/12 Oct 19, 2026 See fields for LendSure Mortgage
14 Angel Oak Mortgage Solutions 67% 8/12 Oct 19, 2026 See fields for Angel Oak Mortgage Solutions
14 LendingOne 67% 8/12 Oct 19, 2026 See fields for LendingOne
16 Certain Lending 58% 7/12 Oct 19, 2026 See fields for Certain Lending
16 Lendmire 58% 7/12 Oct 19, 2026 See fields for Lendmire
16 theLender 58% 7/12 Oct 19, 2026 See fields for theLender
19 Kiavi 50% 6/12 Oct 19, 2026 See fields for Kiavi
19 Uncapco Financial 50% 6/12 Oct 18, 2026 See fields for Uncapco Financial
19 Visio Lending 50% 6/12 Oct 19, 2026 See fields for Visio Lending
22 Dominion Financial 42% 5/12 Oct 18, 2026 See fields for Dominion Financial
23 CoreVest Finance 33% 4/12 Oct 19, 2026 See fields for CoreVest Finance
23 NQM Funding 33% 4/12 Oct 19, 2026 See fields for NQM Funding
25 Truss Financial Group 17% 2/12 Oct 18, 2026 See fields for Truss Financial Group

Ties are listed alphabetically and share a rank. Core fields: STR income method, Min credit score, Min DSCR, DSCR below 1.0, No-ratio option, Max LTV (purchase), Max LTV (cash-out/refi), Min loan, Max loan, Prepayment, States served, First-time investors.

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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.