Lender profile
Merchants Mortgage & Trust
hard money
Verified Sep 17, 2026
Merchants Mortgage & Trust is a direct DSCR lender with a 660 minimum credit score, 0.75 minimum DSCR, and maximum 80% LTV. The company does not publish minimum/maximum loan size or state-coverage figures in the sources reviewed. Merchants Mortgage & Trust is a hard money lender, describing its footprint as "states not publicly disclosed".
For a rental investor, the products on file are rental DSCR. On the deal itself, Merchants Mortgage & Trust publishes leverage up to 80% LTV / 80% LTC. Merchants Mortgage & Trust originates directly, with no broker in the loan.
No SEC filing establishes a corporate-ownership relationship for Merchants Mortgage & Trust— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Max LTV
80%
Max LTC
80%
Min credit score
660
Min DSCR
0.75
Channel
Direct
Merchants Mortgage & Trust does not publish a state-coverage count. Its stated geographic focus is "states not publicly disclosed" — a description of intent, not a confirmed licensure claim.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Merchants Mortgage & Trust is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
Full-text hits are dominated by Merchants Bancorp (MBIN), an Indiana bank holding company almost certainly unrelated to Merchants Mortgage & Trust despite the shared word 'Merchants'; name similarity alone is not evidence and is not treated as confirmation.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Merchants Mortgage & Trust has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask Merchants Mortgage & Trust about, not as a criticism. Of the 11 criteria categories this directory tracks, Merchants Mortgage & Trust has not published 7:
- Loan size range (31 of 38 lenders here publish it)
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
Strengths
- Direct DSCR lender
- 660 minimum credit score
- 0.75 minimum DSCR
- Maximum 80% LTV
Who this lender suits
Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.
Deal scenarios Merchants Mortgage & Trust clears
Merchants Mortgage & Trust's published criteria clear 6 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Cash flow and DSCR (1)
Purpose and structure (3)
Leverage and pricing (1)
How Merchants Mortgage & Trust compares
Merchants Mortgage & Trust is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set Merchants Mortgage & Trust's published figures side by side with any other lender's profile directly. Open the directory.