M2 Lending Solutions at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
59th0.21 ptsProcesswithdrawn + incomplete share, weight 15%
7th28.2%Closing coststotal loan costs ÷ loan amount, weight 10%
90th0.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 366 | 263 | 0.3% | 0.4% | 6.50% | $131M |
| 2024 | 304 | 249 | 0.0% | 0.0% | 6.63% | $125M |
| 2025 | 252 | 181 | 0.0% | 0.0% | 6.50% | $88M |
What M2 Lending Solutions lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 9 investment properties.
Who gets approved at M2 Lending Solutions
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 61 | 41 | 0.0% |
| $100k – $150k | 99 | 67 | 0.0% |
| $150k – $250k | 48 | 41 | 0.0% |
| Over $250k | 34 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 32 | 0.0% |
| 35–44 | 92 | 68 | 0.0% |
| 45–54 | 74 | 51 | 0.0% |
| 55–64 | 24 | 18 | 0.0% |
Where M2 Lending Solutions lends
2 states and 19 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
M2 Lending Solutions denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans M2 Lending Solutions originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 87% of its applications were for home purchases, 13% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 76% conventional, 23% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.