Mm Lending at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
91st0.0% deniedPricingmedian rate spread over APOR, weight 30%
3rd5.75 ptsProcesswithdrawn + incomplete share, weight 15%
87th0.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 531 | 531 | 0.0% | 0.0% | 12.00% | $88M |
| 2024 | 703 | 703 | 0.0% | 0.0% | 12.00% | $125M |
| 2025 | 977 | 977 | 0.0% | 0.0% | 12.00% | $177M |
What Mm Lending 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, 977 investment properties.
Where Mm Lending lends
4 states and 72 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Mm Lending 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 91st percentile of investment-property lenders.
The median interest rate on loans Mm Lending originated in 2025 was 12.00%, and its median rate spread over the average prime offer rate was 5.75 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 0% for refinancing (including cash-out), and 100% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.