Overview
LendingOne (based in Boca Raton, FL, hard money) and New Silver (based in West Hartford, CT, hard money) are both non-QM lenders serving real estate investors. LendingOne serves National; New Silver serves National.
Figures for both lenders below were checked against their published materials as of 2026-09-17. Rates and terms change and are not a quote for either lender.
LendingOne vs New Silver: attribute by attribute
| Attribute | LendingOne | New Silver |
|---|---|---|
| Interest rate range | 9%–12% | 9.5%–11.75% |
| Origination points | 1–3 points | 1–3 points |
| Minimum credit score | 640 | 660 |
| Minimum DSCR | 0.75 | 0.75 |
| Max LTV | 80% | 85% |
| Max LTC | 90% | 90% |
| Minimum loan size | $85K | $100K |
| Maximum loan size | $2.0M | $3.0M |
| States covered | Not publicly published | 39 states |
| Typical close time | 14-21 days typical | 5-14 days typical |
| Founded | 2014 | 2018 |
| Headquarters | Boca Raton, FL | West Hartford, CT |
Which one fits which borrower
- LendingOne's minimum credit score is 640, lower than New Silver's 660 minimum — a borrower who clears LendingOne's credit box may not yet clear New Silver's.
- New Silver's max LTV is 85% against LendingOne's 80% — on the same purchase price, New Silver's published leverage lets a borrower put down less cash.
- LendingOne's minimum loan size is $85K, below New Silver's $100K floor — LendingOne is the fit for a smaller deal that would fall under New Silver's minimum.
- New Silver's maximum loan size is $3.0M, above LendingOne's $2.0M ceiling — a larger transaction may need to go to New Silver.
- New Silver publishes coverage in 39 states; LendingOne does not publish a state count. That does not mean LendingOne covers fewer states, only that the figure is not published.
- LendingOne was founded in 2014, 4 years before New Silver (founded 2018) — longer time in the market, not a claim about which underwrites better today.
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LendingOne vs New Silver FAQ
LendingOne's published rate range is 9%–12%. New Silver's published rate range is 9.5%–11.75%. Both ranges depend on credit, leverage, DSCR coverage and borrower experience, so where a specific deal prices inside either range varies.
LendingOne publishes a minimum credit score of 640. New Silver publishes a minimum credit score of 660.
LendingOne's minimum DSCR is 0.75. New Silver's minimum DSCR is 0.75.
LendingOne's loan size runs $85K to $2.0M. New Silver's loan size runs $100K to $3.0M.
LendingOne's typical close time is 14-21 days typical. New Silver's typical close time is 5-14 days typical. Actual timelines depend on documentation, title work and underwriting load regardless of lender.
LendingOne's max LTV is 80% and max LTC is 90%. New Silver's max LTV is 85% and max LTC is 90%.
This comparison is an independent directory listing. DSCR Loan Program is not affiliated with LendingOne or New Silver, 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.