About Us
Built for brokers who need deals to close.
Fast, clean, and without surprises.
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About Lendz
Smarter Lending. Faster Closings. Better Service.
Founded in 2019, Lendz Financial is a Direct Wholesale Residential Mortgage Lender specializing in Non-QM loans. As an NMLS-licensed mortgage lender and servicer, we operate in AZ, CA, CO, FL, GA, IL, MI, NC, NJ, NV, OH, OK, PA, SC, TN, TX, UT, & WA. While also providing business purpose loans to investors across 40+ states.
We’re not just another lender—we’re redefining the mortgage experience. By combining technology, a minimalistic process, and an organizational structure built for efficiency, we help brokers close faster, navigate fewer hurdles, and get better results for their clients.
At Lendz, we’re committed to delivering an unmatched experience—for both our brokers and our employees.
We saw the industry and thought… brokers deserve better.
Unwavering commitment to clients
We provide a transparent and efficient lending process, ensuring brokers and their clients can secure financing quickly, without unnecessary roadblocks. With 24-hour underwriting decisions, we move at the pace today’s brokers expect.
Our people: The foundation of Lendz
We’ve built a culture of excellence, where talented professionals thrive in a fast-moving, high-growth environment. Our employees describe Lendz as: A place where teamwork drives results – "Everyone wants to help and get things done on time."
Meet our Leaders
Leadership that knows the deal from every side.
Cesar Hernandez is the CEO of Lendz Financial, a wholesale non-QM lender dedicated to simplifying the mortgage process for brokers and loan officers.
A seasoned mortgage and financial services executive, Hernandez brings extensive experience in lending, operations, and business development. Before leading Lendz Financial, he held key leadership roles at US Housing Investments Funds and other fintech institutions. With deep expertise in strategic planning, risk management, and capital markets, Hernandez is committed to providing mortgage professionals with flexible, efficient lending solutions. His passion lies in expanding homeownership opportunities through innovative loan products and technology-driven solutions.
PJ Harley is the President and Chief Operating Officer at Lendz Financial, a premier wholesale non-QM lender focused on delivering innovative mortgage solutions to brokers and loan officers.
A dynamic leader with deep expertise in the mortgage and financial services industry, Harley has a proven track record of driving strategic growth, operational excellence, and business development. With a strong background in all aspects of the mortgage process, operations, and sales, Harley is dedicated to empowering mortgage professionals with cutting-edge tools and flexible loan programs that streamline the lending process.
Daniel Tripp is the Executive Vice President of Lending at Lendz Financial, bringing over 15 years of experience in real estate, including more than 11 years in mortgage lending.
His expertise spans credit analysis, real estate collateral, complex loan structuring, and sales. With a hands-on approach to sales support and a deep understanding of the mortgage industry, he focuses on delivering creative lending solutions, strengthening broker relationships, and driving growth while maintaining sound credit principles.
Less admin. More sales.
Giving brokers the tools and the edge
Client focus
Focus on real borrower scenarios, not ideal ones.
Commitment
Maintain alignment on the file from start to finish.
Compliance
Strong regulatory standards without unnecessary delays.
Teamwork
Internal coordination so brokers aren’t chasing updates.
Professionalism
Clear communication and defined expectations.
Expertise
Experience applied to complex, non-traditional files.
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