Steven Lodico

Mortgage Loan Originator

NMLS #239263



Company Phone


13801 Nutty Brown Rd
Austin, TX 78737


Whether you’re buying, refinancing, or building your dream home, I am here as your personal Mortgage consultant. Market conditions and mortgage programs change frequently, and I want to give you accurate advice. My expertise and industry knowledge allows me to access many financing options available in today’s market.
I am committed to my customers and want to ensure you make the right choice for you and your family, with service that exceeds expectations being my ultimate goal.


Browse my website, submit your application, and obtain your credit report.

Palm Lending, LLC is an Equal Housing Lender.

LEARN Your Way Home with Steven Lodico

Get to know your mortgage professional, browse popular content and gain knowledge that will lead you to qualify for the best possible mortgage rates and terms available!

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Score & Credit Basics

Learn all about credit scores, credit reports, scoring models and more.

Mortgage Essentials

Learn all about mortgage rates, types of loans, cost breakdown, and more.​

Buyer Alert

Learn all about trigger leads, things to be aware as a home buyer, mortgage relief, and more.

Credit IQ

Test your credit knowledge with our Credit IQ quizzes. Don't worry, they're all 10 questions or less and you'll receive instant results with the ability to try as many times as you'd like.

Score & Credit Basics​


What is your score sense?

Score & Credit Basics Quiz

1 / 8

If I have a high income, I will have a higher credit score

2 / 8

A soft inquiry will not affect my credit score

3 / 8

A delinquent payment does not affect my credit score

4 / 8

Closing an account can negatively affect my credit score

5 / 8

The mortgage industry uses Vantage Scoring instead of FICO

6 / 8

It takes a long time to improve a credit score.

7 / 8

I can check my credit for free once a year

8 / 8

Credit scores fluctuate frequently

Mortgage Essentials​


Do you know what’s on your credit report?

Mortgage Essentials Quiz

1 / 9

Bad credit stays with me forever

2 / 9

Rental history will appear on my credit report

3 / 9

If I pay an account in full, it’s removed from my credit report

4 / 9

Having late payments are acceptable as long as I pay

5 / 9

My credit report includes my medical history

6 / 9

Poor credit history can prevent me from getting hired

7 / 9

I should not buy furniture for my new home before closing

8 / 9

My credit report includes my social security number

9 / 9

Leasing a new vehicle will result in a hard inquiry on my credit report

Buyer Alert


Do you have the know-how to score a mortgage?

Buyer Alert Quiz

1 / 10

There is no such thing as a legitimate credit repair company.

2 / 10

There are rules that debt collectors must follow when trying to collect a debt.

3 / 10

Mortgage relief companies can keep your home out of foreclose for a fee.

4 / 10

I do not need a credit repair company to help improve my score.

5 / 10

If I need a mortgage modification, the best place to start is by contacting my mortgage company.

6 / 10

Buying a tradeline can hurt my credit score if the owner of the tradeline defaults on the loan.

7 / 10

You can go to jail if you provide false information on your mortgage application.

8 / 10

Trigger leads are illegal.

9 / 10

Opting out of trigger leads guarantees I won’t be contacted.

10 / 10

It’s ok to omit something from your mortgage application if your lender says it’s OK.

Thank you for choosing...

Steven Lodico
Palm Lending, LLC

Steven Lodico

Mortgage Loan Originator

NMLS #239263

Table of Contents

Steven Lodico

Mortgage Loan Originator

NMLS #239263

Credit Technologies Inc.®, the power behind BestQualify, has over thirty years of experience enabling home buyers like you to qualify for the best possible mortgage rates and terms available. We have the technology and the tools you need to get your score to the next level.

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