ABOUT US
onDemand Lending inc. is a modern mortgage company headquartered in Orange County, CA. We focus on residential mortgage lending to consumers looking to purchase or refinance. Whether it is your primary residence, second home or investment property, we have the right products for you.
The main benefit of working with us is the fact that we are a family owned company. Choosing us gives you the advantage because we handle every loan with attentiveness. We focus on getting you the best product, lowest price the market has to offer, and make sure you feel comfortable from start to finish.
Jake Kalmin
Jake is in the business of doing the right thing. Taking care of employees & customers with a moral code. He specializes in purchase & refinancing 1-4 unit properties.
Jake is an elite mortgage loan officer based out of Southern California. 2020 and 2021 he was an Executive Loan Officer with one of the largest direct lenders in the nation, loanDepot.
With a family of his own, he completely understands the importance of knowing all your financial options as a homeowner. Transparency and trust are what you can get working with him. After your no cost, no obligation mortgage analysis with Jake, he will be the first to tell you to stay in your current situation if a refinance does not make sense.
Having helped thousands of Americans accomplish their home mortgage needs, he is here to help educate you on the current market and products we offer. Whether it is pulling cash out of your home for home improvements, consolidating debt, shortening the term to save interest, or lowering the monthly payment- he is here to help you accomplish all of your financial goals. He takes pride in educating his clients on what is best for them and making sure they feel comfortable throughout the process.
President and CEO
NMLS # 1828186
Paul Vogeler
Executive Licensed Lending Officer
NMLS # 1997259
With over a decade of experience in sales, Paul Vogeler brings a deep understanding of client service, communication, and follow-through to the mortgage industry. As a Loan Officer Assistant at onDemand Lending, Paul supports clients through every step of the loan process with a calm, knowledgeable, and solutions-oriented approach.
Originally from Orange County, California, Paul is a devoted husband and proud father of three. He values family, hard work, and helping others achieve their homeownership goals. His dedication and attention to detail make him an invaluable part of our team.
Alvin Scott Tran
Executive Licensed Lending Officer
NMLS # 1988049
With over a decade of experience in the fitness industry as both a general manager and sales leader, Alvin Scott Tran knows what it takes to motivate, guide, and support people toward their goals. His natural friendliness and commitment to helping others led him to transition into the world of debt consolidation, where he quickly found success helping clients regain financial control.
Now living in North Carolina with his beloved cat, Alvin has brought his passion for service and deep understanding of personal finance into the mortgage world. He chose this path because he understands how smart financing can be life-changing—and he's committed to helping others save money and build a more secure future. Whether you're buying a home or exploring better lending options, Alvin is here to help with clarity, care, and confidence.
Daniel Frederick
Loan Officer Assistant
Daniel Frederick brings a warm, personable approach to helping clients navigate their financial journey. Originally from Chicago and now based in Southern California, Daniel has spent the majority of his career in sales, developing a deep understanding of how to truly connect with people. He has a natural gift for making others feel at ease, especially when discussing something as personal and important as their financial goals.
A proud father and a firm believer in the power of a positive mindset, Daniel is driven by a simple mission: to help Americans improve their financial well-being. Whether you're buying your first home, refinancing, or exploring creative lending options, Daniel is here to listen, guide, and support you every step of the way.
Cody Rodgers
Vice President
NMLS # 1829334
Cody Rodgers is a dynamic leader in the mortgage industry, known for his high-energy approach, sharp financial acumen, and unwavering commitment to helping clients win. As Vice President of onDemand Lending, Cody splits his time between the fast-paced markets of Miami and Southern California, building a top-tier team and delivering innovative lending solutions coast to coast.
With a background rooted in performance and growth, Cody has a reputation for getting things done—fast and with precision. He specializes in structuring creative deals, guiding borrowers through complex scenarios, and making the lending process seamless. Whether working with first-time buyers or seasoned investors, Cody brings clarity, confidence, and a competitive edge to every transaction.
Driven by results and grounded in relationships, Cody is leading the charge in modern mortgage lending—and helping his clients and team thrive along the way.
Vanessa Winnie Shiu
Executive Licensed Loan Officer
NMLS # 2651570
Vanessa Winnie Shiu is a powerhouse in the mortgage world—driven, detail-oriented, and fiercely committed to getting results for her clients. Working closely alongside Vice President Cody Rodgers, Vanessa is one half of a dynamic duo that’s raising the bar at onDemand Lending. Together, they bring relentless energy, next-level service, and a deep understanding of today’s lending landscape.
Vanessa’s background is rooted in hard work and high standards. She’s known for her strong communication, sharp problem-solving skills, and a "whatever it takes" attitude that consistently delivers. Whether she’s helping a first-time homebuyer navigate the process or structuring a complex loan scenario, Vanessa brings confidence, clarity, and a personal touch to every deal.
Motivated by a passion for growth—both personal and professional—Vanessa is not just here to close loans; she’s here to make a lasting impact.