PowerBanc Lending · Los Angeles

Smarter lending.
Faster closings.

I'm a loan officer who treats your file like it's the only one that matters. Come to me for your home loan and I'll walk it through with you — from application to keys — and actually answer the phone along the way.

Start your application
Toi Troutman, loan officer with PowerBanc Lending
Your loan officer
Start to close, on your side
Smarter lending. Faster closings.
What I Do

Home loans, handled by one person — start to finish.

01

Purchase loans

Financing to buy your home, structured to make your offer strong and your closing smooth. Get pre-qualified before you start showing.

02

Refinances

Lower the rate, change the term, or pull cash out — and I'll tell you straight whether the numbers actually make it worth doing.

03

Condo financing

Condo and limited-review approvals handled with care, so your unit actually closes instead of stalling at the lender's desk.

Representation

Your loan first. An agent, only when it fits.

I'm not here to take you from an agent you already have. Whether I can also represent you in the sale depends on where you're starting from.

If you have an agent

I stay in my lane

Keep the agent you trust. I'll handle the financing and nothing else — no stepping on someone else's relationship.

If you don't have one

I can represent you, too

I'm also a licensed agent. We'd first complete a quick Affiliated Business Arrangement disclosure that makes clear it's your choice, never a requirement — then I can represent you in the purchase.

If I'm already your agent

I can get you the money

One person who knows your whole picture — handling the offer and the loan together, from contract to keys.

Using affiliated services is always your choice and never a condition of any loan or real estate transaction. PowerBanc Lending and Dena Phoenix are affiliated under PowerBridge Capital; you'll receive a written disclosure any time both are involved.

About Toi

I've spent my career learning how to represent people well — first as a publicist, then managing one of downtown LA's largest residential buildings, and now as a loan officer who also holds a real estate license. Each chapter taught me the same thing: protect your client, communicate clearly, and never let the ball drop.

That's what you get when you bring me your loan. Straight answers, a file I actually watch, and someone who treats your closing like it's the only one that matters — because while we're working together, it is.

— Toi Troutman
Modern Los Angeles home at golden hour
Where I'm Licensed

Two licenses, one parent company, one person on your side.

Mortgage Lending
A dba of PowerBridge Capital, Inc.

My mortgage home — purchase loans, refinances, and condo financing. Smarter lending, faster closings, and a loan officer who walks it through with you.

Loan Officer · NMLS #1646916
Real Estate

Dena Phoenix

A dba of PowerBridge Capital, Inc.

My real estate brokerage — residential representation for buyers and sellers, available when the fit is right.

Real Estate Agent · CA DRE #02141981
Let's Talk

Ready when you are.

Starting an application, weighing a refinance, or just have a question about what you'd qualify for? Reach out — no pressure, just a real answer.

Start your application Book a call Call / text