Temple View Capital Review 2026: What Its Federal Loan Data and SEC Filings Show
Quick Answer
Temple View Capital Funding, LP (Bethesda, Maryland; a Delaware partnership formed in 2016) is a real, large business-purpose lender to real estate investors, and its own federal filings show what borrowers paid. In 2025 it reported 1,893 loans for $1.04 billion under the Home Mortgage Disclosure Act (HMDA), the loan-by-loan record lenders send regulators, every one of them to a company borrower on an investment property. 1,154 were short-term bridge and fix-and-flip type loans at a median note rate of 10.5% (middle half 9.625% to 11%, median loan $430,000), and 738 were 30-year DSCR-type rental loans at a median of 7.562% (middle half 7% to 8%). Kiavi's 2025 medians were 10.45% and 7.25%, Lima One's 10.2% and 7.225%, so Temple View's rental loans priced about 0.3 points higher (our arithmetic). It funds itself by selling loans to an affiliate and through its TVC Mortgage Trust bonds: the January 2026 deal's diligence firm graded all 338 loans A or B, and its latest SEC report lists no repurchase demands. Records: 5 CFPB complaints, a BBB B- with one unanswered complaint, and a $7,000 California penalty in 2022 for a late annual report. As of October 6, 2026.
Key Takeaways
- HMDA 2025: 1,893 originations ($1,043,725,000), up from 1,344 ($725,390,000) in 2024, +40.8% in loans (our arithmetic). All 1,893 were investment-property, business-purpose loans to a non-natural person, with no debt-to-income ratio.
- Short-term no-DTI loans (36 months or less), 2025: 1,154 loans, median note rate 10.5%, 25th-75th percentile 9.625%-11%, median loan $430,000, median LTV 73.1%. All interest-only with a balloon; terms of 12 months (478), 18 (318) and 24 (328).
- 30-year DSCR-type loans, 2025: 738 loans, median 7.562%, 25th-75th percentile 7%-8%, median loan $175,000, median LTV 75%, 52% cash-out refinances, 43.5% interest-only. Same year: Kiavi 7.25% on 5,794 loans, Lima One 7.225% on 1,036, Visio's Investor Mortgage Finance 7.35% on 2,202.
- 52.8% of Temple View's 2025 loans came through a broker or correspondent. 27.4% were sold the same year to an affiliate, 24.1% to a private securitizer and 30.6% to a mortgage or finance company.
- SEC filings: three rated TVC Mortgage Trust deals reviewed loan by loan (324, 290 and 338 loans), all graded A or B. Temple View and an affiliate also bought 323 investor loans from Amerant Bank in December 2024 for about $58.9 million, 82.5% of their $71.4 million principal (our arithmetic).
- Complaints and regulators: 5 CFPB complaints (February 2024 to August 2025), BBB rating B-, a 2022 California DFPI consent order with a $7,000 penalty for filing an annual report 25 business days late. Owned through MCM Capital; Oaktree made a strategic investment in July 2026.
CSV · 253 rows
Temple View Capital: HMDA 2019-2025 loan data, securitizations, loan purchases, terms, complaints and court dockets
253 rows: Temple View Capital Funding's HMDA originations for 2019-2025, its 2024 and 2025 short-term and DSCR-type loans by rate percentile, size, LTV, purpose, state, channel and buyer, 2025 benchmarks for Kiavi, Lima One and Visio, its securitization diligence results, the Amerant loan purchase, published terms, complaints, a California consent order and court dockets.
Who Temple View Capital is
Temple View Capital is a private lender to residential real estate investors: bridge, fix-and-flip (it calls them rehab loans), ground-up construction and 30-year DSCR rental loans, made only to LLCs, partnerships and corporations. The lending entity is Temple View Capital Funding, LP, which the global LEI registry records as a Delaware limited partnership created on October 12, 2016, with its headquarters at 7550 Wisconsin Ave., Bethesda, Maryland. It is a Maryland-based business, not a Pennsylvania one: its website, its LEI record and its California regulator all give the Bethesda address.
Who owns it? Temple View's own site says the company “is wholly owned by MCM Capital, a leading investor in residential whole loans since 2007.” Its SEC filings are signed through the same chain: Temple View Capital, LLC as general partner, then MCM Capital Holdings, LLLP and MLS Capital Management, LLC, signed by co-founder Michael Niccolini. On July 15, 2026, Temple View announced a strategic partnership with Oaktree's Asset-Backed Finance strategy that “includes a significant forward capital commitment and a strategic investment in the Company.” The terms were not disclosed. The same release says Temple View has originated more than $5 billion of residential transition loans since 2017.
Its legal disclosure page lists six state licenses or registrations: a California Finance Lenders license (60DBO-73498), an Arizona mortgage banker license, a Minnesota residential mortgage originator license, a Utah notification, an Oregon mortgage lender license and a Nevada mortgage company license. Its FAQ says it lends in 47 states, not in North Dakota, South Dakota or Vermont.
What Temple View advertises
From Temple View's program pages, which say the terms are as of October 5, 2026. These are what the lender says, not verified figures.
| Program | Leverage | Loan size | Term | Other terms the lender lists |
|---|---|---|---|---|
| DSCR rental | Up to 80% LTV | $55K to $2.5M | 30-year | 660+ credit score; 0.75x minimum DSCR on long-term rentals, 1.0x on short-term rentals; prepayment penalty (terms not published); 45-day rate lock |
| Bridge | Up to 80% LTAIV | $75K to $4M | 6 to 24 months | 660 minimum credit score; no prepayment penalty; entities only |
| Rehab (fix and flip) | Up to 90% LTV, up to 75% LTARV | $75K to $6M | Up to 24 months | 100% of rehab budget funded; advanced draws |
| Ground-up construction | 90% LTC and 75% LTARV | $200K to $7.5M | 12 to 24 months | Entities only; survey required |
No rates are published. One inconsistency is worth knowing: the bridge page lists “Interest Only Payments,” but its FAQ answer says repayment “involves monthly payments of both interest and principal over a period of 360 months.” The federal data below settle it for loans actually made: every one of Temple View's 1,154 short-term loans in 2025 was coded interest-only with a balloon payment.
What its HMDA filing shows
HMDA requires most mortgage lenders to report every application they decide, with the note rate, loan amount, property type, loan term and whether the loan was for a business purpose. Temple View has filed under its legal entity identifier since its 2019 data. We downloaded its 2024 and 2025 records loan by loan from the FFIEC HMDA Data Browser and counted.
HMDA has no DSCR or bridge field. We use the same definitions as our state DSCR pages: an investment-property, business-purpose, first-lien loan on 1-4 units with no debt-to-income ratio is a DSCR-type loan when its term is 30 years and a short-term no-DTI loan when its term is 36 months or less.
| Temple View Capital Funding, HMDA | 2024 | 2025 |
|---|---|---|
| Loans originated | 1,344 ($725.4M) | 1,893 ($1,043.7M) |
| Short-term no-DTI loans (bridge / flip type) | 808 ($585.3M) | 1,154 ($867.7M) |
| Median note rate, short-term | 11% | 10.5% |
| Middle half of rates, short-term | 10.5% to 12% | 9.625% to 11% |
| Median loan, short-term | $395,000 | $430,000 |
| Median LTV, short-term | 72.98% | 73.1% |
| 30-year DSCR-type loans | 536 ($140.1M) | 738 ($176.0M) |
| Median note rate, DSCR-type | 7.75% | 7.562% |
| Middle half of rates, DSCR-type | 7.25% to 8.25% | 7% to 8% |
| Median loan, DSCR-type | $205,000 | $175,000 |
| Median LTV, DSCR-type | 75% | 75% |
| Cash-out share of DSCR-type loans | 28.7% | 51.9% |
| Loans through a broker or correspondent | 576 (42.9%) | 999 (52.8%) |
| Denial rate, all decided applications | 25.7% | 15% |
Four things stand out. The median rate fell 0.5 points on short-term loans between 2024 and 2025 and 0.188 points on rental loans (our arithmetic). The short-term book is large-loan: a median of $430,000 and a 75th percentile of $915,000, with California loans at a $1,225,000 median. Terms run longer than Kiavi's, where 18,091 of 19,477 short-term loans were 12-month: Temple View made 318 loans at 18 months and 328 at 24 months, against 478 at 12. And denials fell from 25.7% to 15% of decided applications; in 2025 the first reason given was an incomplete application in 150 of 345 denials, credit history in 124 and collateral in 61.
Where the loans went in 2025: short-term loans were led by Florida (166, median 10.5%), Texas (145, 9.75%), New Jersey (108, 10.5%), North Carolina (103, 11%) and Hawaii (92, 10.5%). DSCR-type loans were led by Missouri (106, median 7%), Texas (97, 7.625%), Florida (75, 7.375%), Ohio (48, 8%) and North Carolina (39, 7.75%). The CSV has the 2024 leaders too.
How its rates compare
Same loan types, same year, same definitions. Kiavi, Lima One and Visio are the lenders in our borrower box below; Visio's 2025 loans are reported by Investor Mortgage Finance LLC, which Visio's site footer names as one of its two originating companies.
| 2025, HMDA | Temple View | Kiavi Funding | Lima One Capital | Visio (Investor Mortgage Finance) |
|---|---|---|---|---|
| Short-term no-DTI loans | 1,154 | 19,477 | 1,280 | 0 |
| Median note rate, short-term | 10.5% | 10.45% | 10.2% | n/a |
| 25th to 75th percentile, short-term | 9.625% to 11% | 9.5% to 11.24% | 9.5% to 10.7% | n/a |
| Median loan, short-term | $430,000 | $235,000 | $285,000 | n/a |
| 30-year DSCR-type loans | 738 | 5,794 | 1,036 | 2,202 |
| Median note rate, DSCR-type | 7.562% | 7.25% | 7.225% | 7.35% |
| 25th to 75th percentile, DSCR-type | 7% to 8% | 7% to 7.5% | 6.769% to 7.75% | 6.95% to 7.8% |
| Median loan, DSCR-type | $175,000 | $155,000 | $145,000 | $245,000 |
| Denial rate, all applications | 15% | 11.1% | 27.3% | 29% |
On bridge and flip loans, Temple View's median sat 0.05 points above Kiavi's and 0.3 above Lima One's (our arithmetic), on loans almost twice Kiavi's median size. On 30-year rental loans the gap is wider: 0.312 points above Kiavi, 0.337 above Lima One and 0.212 above Visio. The rental books are not the same mix. Half of Temple View's DSCR-type loans were cash-out refinances, and 43.5% were interest-only, against 15 interest-only loans out of 5,794 at Kiavi, both features that usually price higher. HMDA also leaves out what matters next: for business-purpose loans it does not record points, origination fees or credit scores, and Temple View reported total loan costs as “NA” on all 1,893 loans. The note rate is only half of your price.
For live market rates, see our DSCR loan rates page; for the flip side, best fix-and-flip lenders.
What HMDA leaves out
HMDA does not count every Temple View loan. Regulation C excludes temporary financing, and its official interpretation treats a construction-only loan as excluded “if the loan or line of credit is extended to a person exclusively to construct a dwelling for sale.” Ground-up loans to build a house to sell, one of Temple View's four programs, are therefore mostly missing. A flip loan is different: the same commentary says a nine-month loan to buy, renovate and resell a home is reported, because it “is not temporary financing under § 1003.3(c)(3) merely because its term is short.”
That helps explain a gap. Temple View's HMDA filings add up to 10,109 originations and $4.09 billion for 2019 to 2025 (our arithmetic), with nothing reported for 2018, while the company says it has originated more than $5 billion since 2017. HMDA also shows a sharp swing: originations fell from 1,860 in 2022 to 946 in 2023 (-49.1%, our arithmetic) before rebounding to 1,893 in 2025.
Where your loan goes after closing
HMDA records who bought each loan in the year it closed. Of Temple View's 1,893 loans in 2025, 579 (30.6%) went to a “credit union, mortgage company, or finance company,” 519 (27.4%) to an “affiliate institution,” 456 (24.1%) to a private securitizer, and 339 (17.9%) were not sold that year. Temple View also bought 252 loans ($232.7 million) from other lenders in 2025, and 471 of its own originations (24.9%) were initially payable to another company, which fits loans closed in a correspondent's name after Temple View made the credit decision.
The securitizer is Temple View itself. Its depositor, TVC Depositor, LLC, has issued bonds through the TVC Mortgage Trust shelf; the company counts six issuances, the latest a $250 million deal it announced on February 6, 2026, with “$239 million of sold bonds across four classes of rated notes.” For the three most recent deals, the SEC filings include the loan-file review by AMC Diligence, LLC:
| Deal (Form ABS-15G filing date) | Loans reviewed | Original principal | Graded A | Graded C |
|---|---|---|---|---|
| TVC Mortgage Trust 2024-RRTL1 (July 25, 2024) | 324 | About $262.8M | 46.30% | 0% |
| TVC Mortgage Trust 2025-RRTL1 (April 9, 2025) | 290 | About $270.3M | 40.69% | 0% |
| TVC Mortgage Trust 2026-RRTL1 (January 16, 2026) | 338 | About $308.5M | 47.93% | 0% |
The rest were graded B, meaning exceptions to guidelines with compensating factors. In the 2026 deal, AMC logged 337 grade-B credit exceptions, 179 of them in the “Guideline” category. The securitized loans are far larger than the HMDA median, about $912,837 on average in the 2026 deal (our arithmetic), which fits pools of bridge, rehab and ground-up loans that include construction loans HMDA excludes. Temple View's annual Rule 15Ga-1 report for 2025, covering the 2023, 2024 and 2025 deals, checks the box that there was “no activity for the annual period,” meaning no repurchase demands to report. Loans Temple View made also sit in other sponsors' deals: 29 loans ($5,304,187) in GS Mortgage-Backed Securities Trust 2022-NQM1 and 2 loans in Morgan Stanley Residential Mortgage Loan Trust 2024-NQM3, with no demands listed against Temple View in either sponsor's 2026 report.
Temple View also buys loans. Amerant Bancorp's 8-K says that on December 27, 2024 its bank “sold Purchasers a portfolio of 323 business-purpose, investment property, residential mortgage loans” to Temple View Capital Funding LP and TVC Funding VII LLC for about $58.9 million, against outstanding principal of about $71.4 million, or 82.5% of principal (our arithmetic). For a borrower, the practical point is that your loan may be serviced or held by a TVC Funding entity rather than the company you applied to.
Complaints, regulators and court records
| Record | What it shows |
|---|---|
| CFPB Consumer Complaint Database | 5 complaints naming Temple View Capital Funding, LP, February 2024 to August 2025; 2 tagged confusing or misleading advertising or marketing, 1 changes in loan terms during or after closing; all closed with explanation, all timely |
| BBB | Rating B-, not accredited; reason given: failure to respond to 1 complaint (February 2024, a $200 upfront fee the complainant says was to be refunded) |
| California DFPI | Order summarily revoking its finance lender license (April 19, 2022) for not filing the annual report due March 15, 2022, rescinded by a consent order (April 29, 2022) with a $7,000 penalty; report filed 25 business days late |
| Federal court dockets (RECAP) | 21 cases mention Temple View Capital, most of them borrower bankruptcies listing it as a creditor |
The DFPI matter was a paperwork failure, not a lending finding, and the consent order records that Temple View “represented to the Commissioner that it had taken no new applications under its license.” The CFPB does not verify complaints, and business-purpose borrowers rarely file there, so five is a floor.
Court cases with Temple View or a TVC entity as a party, from CourtListener's RECAP archive, read October 6, 2026:
| Case | Court and docket | Filed | What the docket shows |
|---|---|---|---|
| Neal v. EKRE of TX, LLC | N.D. Tex., 4:26-cv-00850 | July 13, 2026 | Truth in Lending claims naming Temple View Capital Funding, LP and TVC Funding V, LLC among defendants; magistrate recommended dismissal for lack of prosecution, August 25, 2026 |
| Lynch v. Temple View Capital Funding LP | D.S.C., 4:26-cv-00197 | January 14, 2026 | Removed by Temple View from Horry County court; Truth in Lending; EK Real Estate Fund LLC I among parties |
| TVC Funding IV REO, LLC v. Beverly | Bankr. C.D. Cal., 1:26-ap-01021 | April 20, 2026 | TVC entity objects to a borrower's discharge |
| Redeaux v. TVC Funding IV REO, LLC | N.D. Cal., 3:24-cv-06560 | September 18, 2024 | Terminated February 21, 2025 |
| Redeaux v. Hasselbacher | N.D. Cal., 3:23-cv-06097 | November 24, 2023 | Temple View among defendants; terminated August 27, 2024 |
| Hammond-Thompson v. Temple View Capital | D. Md., 8:23-cv-01502 | June 2, 2023 | Employment case; memorandum opinion March 27, 2026 |
The Lynch case lists EK Real Estate Fund LLC I among the parties. That entity is also the defendant, with Jarred Kessler, in Hughes v. EK Real Estate Fund I, LLC (D. Or., 6:24-cv-01378), whose complaint refers to Hughes' home and “$161,000 from Temple View Capital Funding LP”; Temple View is not a defendant there. Temple View's own blog describes Kessler as CEO of EasyKnock, the sale-leaseback company, and says Temple View “provided financing” for EasyKnock's 2023 purchase of Ribbon. We have not read the full pleadings and make no finding on any claim.
What a borrower or broker can do with this
- Price your quote against the 2025 band, then against today. Temple View's short-term borrowers paid 9.625% to 11% in the middle half of 2025 and its rental borrowers 7% to 8%. Rates have moved since, so ask two other lenders for the same deal on the same day and compare the gap, not the level. Our DSCR lender legitimacy check covers what to ask.
- Get points, fees and the prepayment penalty in writing. HMDA records none of them for business-purpose loans, and Temple View's DSCR page lists a prepayment penalty without terms. Its bridge page says there is none; confirm it in the term sheet.
- Ask who will hold and service the loan. In 2025, 27.4% of its loans went to an affiliate the same year and 24.1% to a securitizer. Ask for the servicer's name and the draw process in writing before closing, especially on a rehab or ground-up loan.
- Expect the file to be complete before you ask for a decision. An incomplete application was the first reason in 150 of its 345 denials in 2025.
- Brokers: more than half of its 2025 loans (52.8%) came through brokers or correspondents. The 2025 band above is what your clients' loans priced at before your fee. For the full lender field, see best DSCR lenders 2026, Kiavi and Lima One.
FAQ
Sources, read October 6, 2026: Temple View Capital Funding's HMDA loan-level records for 2024 and 2025 and HMDA aggregation counts for 2018 to 2025 (FFIEC HMDA Data Browser, LEI 549300RYTR2RVL4SFJ90), and 2025 records for Kiavi Funding (LEI 5493006VAGP3GQ8FJT49), Lima One Capital (254900FBWEZ3YUPOBN33) and Investor Mortgage Finance LLC (254900GXB4AVD3FPHO33); the FFIEC public LAR field definitions and filer lists; Regulation C, 12 CFR 1003.3 and 1003.4 and the official interpretations (eCFR); the GLEIF LEI record; SEC EDGAR Forms ABS-15G filed by Temple View Capital Funding, LP (CIK 1802672), including accessions 0001104659-24-082682, 0001104659-25-033420, 0001104659-26-004523 and 0001104659-26-002086, Amerant Bancorp's Form 8-K (0001734342-25-000003), and Rule 15Ga-1 reports of GS Mortgage Securities Corp (0000929638-26-003018) and Morgan Stanley Mortgage Capital Holdings (0001539497-26-002211); Temple View's program, FAQ, about, legal disclosure and press-release pages; the CFPB Consumer Complaint Database; BBB; California DFPI orders of April 19 and April 29, 2022; and CourtListener RECAP docket search. Medians, percentiles, shares, rate gaps, sums and growth rates are our arithmetic on those records. HMDA has no DSCR or bridge field; DSCR-type and short-term no-DTI loans are our proxies. This is analysis of public documents, not investment, legal or tax advice.
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