LendingOne publishes its own maximum: 80% rate-and-term, 75% cash-out
LendingOne is one of three firms in this record whose published number is about itself rather than about the market, which makes it one of the few figures here a borrower can treat as an indication of what is available.
What this firm publishes
What
Figure
Read from the page
Source
Published maximum loan-to-value
$80/mo
"LendingOne, for example, offers up to 80% LTV on purchase or rate/term refi; up to 75% LTV on cash-out"
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What it publishes
Read 10 September 2026: 'LendingOne, for example, offers up to 80% LTV on purchase or rate/term refi; up to 75% LTV on cash-out.' The same page publishes portfolio and blanket rental loans at often up to about 75% LTV on five to ten year terms, with balloon, fixed and ARM structures.
The cash-out gap is the useful part
The five-point difference between 80% on rate-and-term and 75% on cash-out is the clearest published statement in this record of what taking equity out costs you in leverage. Every firm here that separates the two publishes a lower number for cash-out, and knowing the size of the step before you apply is the difference between a plan and a surprise.
Questions borrowers ask before they apply
Does LendingOne publish its LTV limits?
Yes, and about itself: up to 80% on purchase or rate-and-term refinance and up to 75% on cash-out.
Is that an offer?
It is a published maximum for its own programme, which is more than most firms in this market print. The rate and the actual leverage still come from underwriting your file.
