1. Generation Lending

    1. Generation Lending

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    Aliso Viejo, CA

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    Generation Lending

    4.5 (17 reviews)

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    6 years ago

    Great professional service and the whole process was fast and they support you during the process if you have any questions.

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    Review Highlights - Generation Lending

    Recently I did a cash out refi with Generation Lending.

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    Orange County's Federal Credit Union

    Orange County's Federal Credit Union

    (93 reviews)

    Horrible horrible customer services as a company. I travel to the border they did not autorice my…read moretransaction I was trying to pay to the dentist so I call them. 99% of time they do not answer the phone or call back I was beyond embarrassed I had the funds and the bank did not approved the transaction I call them Multiple times they did not answer the phone and did not return my phone call is not the first time so after 20 years as a good customer I will close my account for good. You save money with fees but customer services is horrible. I want to Rate them minus ~5 stars

    Extremely disappointed with the mortgage underwriting team at OCFCU. Despite providing clear…read moredocumentation and citing specific Fannie Mae guidelines (B3-3.7-02) regarding business cash flow, the underwriting team ghosted me for a week, and their manager Monica Partida refused to apply standard industry add-backs, resulting in a wrongful denial. OCFCU went back on their word after I was promised by my loan officer Jennie Jacobson. that OCFCU would apply standard industry add-backs to my income. While she promised to use standard industry add-backs to secure my application (and Hard Credit Pull), they then fundamentally changed the "rules" during underwriting to deny the loan. Indeed, the entire culture at OCFCU is decayed with failed communication at each level. Even after escalating my credit appeal to the executive board, I was ghosted for two weeks with zero accountability or rebuttal. The executive board (Kathy Jumper, Donald Carazo and Jeff Harper) never sent me a single message acknowledging my escalated complaint and appeal. My appeal was affirmed and singed by OCFCU fourteen days after the fact and coincidentally the very same day I told them: "Too late, I will be publishing my bad experience with OCFCU online." Although, instead of simply emailing me an update, they claimed to have snail-mailed me the response to my appeal--nothing was ever received in my mailbox. If you are self-employed or have a complex income, save your credit score and go to a lender that actually understands modern secondary market requirements. UPDATE (May 13, 2026): After escalating this matter to the Executive Board and the NCUA, the Chief Lending Officer Jeff Harper personally intervened to make right on the misrepresentation of underwriting standards. The Credit Union has since facilitated the removal of the hard credit inquiry. While I appreciate the eventual accountability from leadership, I do believe the initial process for self-employed members remains flawed. 3 stars for the resolution, 1 star for the experience.

    1st Pacific Capital

    1st Pacific Capital

    (15 reviews)

    Can't say enough good about Elenna - she helped us buy our dream home (which we still can't believe…read morewe own) and sell our previous house all while we were about to have a baby and two weddings in the family. She kept her cool when our emotions got high and treated us as if we were her only client. She was extremely professional, yet personable and made sure we weren't taken advantage of by any other party involved. She guided us, then backed us in all decisions, we never felt like we had no clue what we were doing, thanks to her taking the time to explain every detail. HIGHLY recommend using Elenna for all real-estate transactions - we won't be using anyone else but her!

    I can't say enough good things about 1st Pacific Captial, we were referred back in 2014 while…read morelooking for our 1st home and have been very happy clients since and would never think of using anyone else. Since 2014, we bought, refinanced, sold our home, then bought our 2nd home and refinanced again all through Jason and Elenna. The amount of detail and expertiese knowledge they have and handle of the real estate and loan industry helps you feel like you have the upper hand and the best on your side. I have watched them come in and absolutely pull out amazing results from closing escrow in record time to most recently getting our refinance setup, funded, closed within a matter of days. 1st Pacific capital will work nonstop with precision to help with whatever your situation is or your needs. I am so happy we were referred and can see why. They strive for greatness and will make you feel like family. Thank you Jason and Elenna for being such amazing dynamic business and for all you have done for our family.

    Generation Lending - mortgagelenders - Updated July 2026

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