The Origin of DC Lending: A Vision for a Better Mortgage Experience
In 2017, James Sands and Lisa Pogue sat across from each other at Compass Coffee in Vancouver, Washington, sketching out an idea that had been forming in their minds for years. Both had seen the challenges homebuyers faced—confusing processes, impersonal service, and lenders who treated clients like numbers rather than people. They knew there had to be a better way.
Through the two generations of our family operated business, we have expanded to the newest technology and modern business communication. We made it a commitment to expand and grow without losing the same core values that brought us success and valued relationships. Our passion is to provide others with opportunity and make their dreams come true. From buyers, realtors, loan officers, and community members – we are here for you every step of the way.
Lisa, with her deep industry knowledge from years in the mortgage business, had a clear understanding of what worked—and what didn’t. James, with his entrepreneurial spirit and natural sales ability, saw an opportunity to create something different: a mortgage company built on a win-win-win philosophy. They envisioned a model where the client, the mortgage broker, and DC Lending all benefited—striking the perfect balance between service, opportunity, and success.
DC Lending was founded on common sense and cutting-edge technology, combining the best of both worlds to create a mortgage process that was smoother, smarter, and better than anything else available. By leveraging innovation without sacrificing the personal touch, they set out to redefine how home loans were done.
But DC Lending wasn’t just another mortgage company—it was built on seven core values that would define its culture and success:
- We exist to serve our clients and build our community.
- We have a can-do attitude and have fun.
- We are always growing.
- We have a team mentality.
- We have a go-getter attitude.
- We know our stuff.
- Integrity.
As the company grew, so did James. He dedicated himself to developing his business knowledge, learning every aspect of the mortgage industry beyond sales. His commitment to growth and leadership positioned him to take full ownership of DC Lending, and today, he is the 100% owner, leading the company with confidence, vision, and a deep understanding of both the business and the clients it serves.
Starting with a small but passionate team, DC Lending quickly gained a reputation for delivering a better mortgage experience. Word spread, not through flashy marketing, but through referrals and repeat business from happy homeowners and mortgage professionals alike.
Over the years, James’ dedication to his mission has shaped DC Lending into more than just a mortgage company—it has become a trusted partner in the community. His belief that homeownership should be an achievable dream for everyone continues to drive his work, making DC Lending a name synonymous with integrity, expertise, and service.
And it all started with a simple conversation at Compass Coffee, a shared vision, and a determination to make a difference.
What We Do
We help homebuyers navigate the mortgage loan and home buying process. We offer the most competitive mortgage pricing in the PNW so families can rest at ease about their future.
Our Mission
Our mission is to help homebuyers be more informed, confident, and excited about their mortgage investment. We are dedicated towards putting families in financially sound homes.
How We Differ
We want our clients to feel like family, and that’s why we promise excellent pricing, top tier service, and honest communication.
The DC Lending Difference
At DC Lending, we believe there is a better way to process mortgage loans. A more enjoyable, less stressful way where homebuyers are informed and prepared. We are obsessively passionate about it, because our mission is to put families in financially sound homes.
Mortgage loans can feel confusing, impersonal, and overwhelming. We work closely with you so you feel confident, excited, and educated about your investment.
We love our home in Portland, and hope we can help you call the Pacific Northwest home too.
DC Lending in The Vancouver Business Journal
“Back in 2018, mother-and-son team Lisa Pogue and James Sands knew they wanted to start a residential mortgage business because they “deeply enjoy helping people achieve their dream of home ownership.” DC Lending, LLC has now been in business since January of 2019.”
For us, it’s all about relationships.
Clients are more than just a loan number to us. We draw great satisfaction from helping individuals and families find their way home. We serve with honesty, transparency and always put your best interests first.
– DC Lending