Overview
Iron Bridge Lending (based in Lake Oswego, OR, hard money) and LendingOne (based in Boca Raton, FL, hard money) are both non-QM lenders serving real estate investors. Iron Bridge Lending serves Western & Midwest; LendingOne serves National.
LendingOne's figures were checked against its published materials as of 2026-09-17; the other lender's figures below are not independently dated and should be confirmed directly. Rates and terms change and are not a quote for either lender.
Iron Bridge Lending vs LendingOne: attribute by attribute
| Attribute | Iron Bridge Lending | LendingOne |
|---|---|---|
| Interest rate range | 9.5%–12% | 9%–12% |
| Origination points | 1.5–3 points | 1–3 points |
| Minimum credit score | Not publicly published | 640 |
| Minimum DSCR | Not publicly published | 0.75 |
| Max LTV | 75% | 80% |
| Max LTC | 85% | 90% |
| Minimum loan size | $75K | $85K |
| Maximum loan size | $3.0M | $2.0M |
| Typical close time | 7-14 days typical | 14-21 days typical |
| Founded | 2009 | 2014 |
| Headquarters | Lake Oswego, OR | Boca Raton, FL |
Which one fits which borrower
- LendingOne publishes a minimum DSCR of 0.75; Iron Bridge Lending does not publish a minimum DSCR figure, so its coverage floor cannot be compared directly.
- LendingOne publishes a minimum credit score of 640; Iron Bridge Lending does not publish one.
- LendingOne's max LTV is 80% against Iron Bridge Lending's 75% — on the same purchase price, LendingOne's published leverage lets a borrower put down less cash.
- LendingOne's max LTC is 90% against Iron Bridge Lending's 85% — for a rehab-heavy deal, LendingOne's published figure covers a larger share of total project cost.
- Iron Bridge Lending's minimum loan size is $75K, below LendingOne's $85K floor — Iron Bridge Lending is the fit for a smaller deal that would fall under LendingOne's minimum.
- Iron Bridge Lending's maximum loan size is $3.0M, above LendingOne's $2.0M ceiling — a larger transaction may need to go to Iron Bridge Lending.
- Iron Bridge Lending was founded in 2009, 5 years before LendingOne (founded 2014) — longer time in the market, not a claim about which underwrites better today.
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Iron Bridge Lending vs LendingOne FAQ
Iron Bridge Lending's published rate range is 9.5%–12%. LendingOne's published rate range is 9%–12%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
Iron Bridge Lending does not publish a minimum credit score. LendingOne publishes a minimum credit score of 640.
Iron Bridge Lending does not publish a minimum DSCR. LendingOne's minimum DSCR is 0.75.
Iron Bridge Lending's loan size runs $75K to $3.0M. LendingOne's loan size runs $85K to $2.0M.
Iron Bridge Lending's typical close time is 7-14 days typical. LendingOne's typical close time is 14-21 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
Iron Bridge Lending's max LTV is 75% and max LTC is 85%. LendingOne's max LTV is 80% and max LTC is 90%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with Iron Bridge Lending or LendingOne, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by each lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.