About
Kenbrook Capital Lending is a modern residential mortgage company: a streamlined digital process from application through closing, backed by experienced loan professionals.
Company Overview
Kenbrook Capital Lending provides residential mortgage financing for purchases, refinances, and investment properties. Led by Nick Swizek (NMLS 2263370 / DRE 02104377) and powered by Patriot Pacific Financial Corp. (NMLS #1921615 / CA DRE #02103516), we serve homebuyers and homeowners across California and pair a fully digital application with direct, personal guidance from first question to closing.
Philosophy
Mortgage terminology should not be a barrier. We explain structures, costs, and trade-offs in plain language.
The right program depends on the borrower. We start with goals and timelines, then look at financing.
Automation handles verification, documents, and status updates; the same team stays with your file through underwriting and closing.
Approach to Lending
We review your goals, outline the programs that may apply, and document what each step requires. Where a program has limitations, we say so — before an application is submitted.
Client Experience
You have a direct line to the person handling your file. Updates are proactive, and questions are answered in language that makes the decision easier, not harder.
Our Team
Work directly with Nick Swizek, who personally guides every loan from application to closing.
Founder & Chief Executive Officer
NMLS: 2263370
Nick founded Kenbrook Capital Lending to pair experienced mortgage guidance with a modern, transparent lending process. He works directly with borrowers to review financing options and clarify each step from application through closing.
Next steps
Whether you’re buying, refinancing, or exploring your options, we’re here to help you understand the path forward.