Lender profile

MoFin Lending

hard money

Verified Sep 17, 2026

MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed. MoFin Lending is a hard money lender, describing its footprint as "National".

For a rental investor, the products on file are rental DSCR. On the deal itself, MoFin Lending publishes loan sizes starting at $150,000. MoFin Lending originates directly, with no broker in the loan.

No SEC filing establishes a corporate-ownership relationship for MoFin Lending— 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

Loan size

$150,000 and up

Min credit score

700

States covered

Channel

Direct

Verification record

Reviewed Sep 25, 2026

⬜ No SEC filing to check against — MoFin Lending 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.

Zero SEC full-text search hits for MoFin Lending in any filing form.

✅ Published criteria verified — Sep 17, 2026.

⬜ Regulatory complaint check — not yet run.

What MoFin Lending 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 MoFin Lending about, not as a criticism. Of the 11 criteria categories this directory tracks, MoFin Lending has not published 7:

Minimum DSCR (18 of 38 lenders here publish it)
Maximum leverage (LTV / LTC) (33 of 38 lenders here publish it)
Rate range (22 of 38 lenders here publish it)
Points range (21 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

Licensed in 34 states
Direct lender
$150,000 minimum loan size
Highest minimum credit score (700) among the lenders added to this directory in September 2026

Who this lender suits

Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.

Deal scenarios MoFin Lending clears

MoFin Lending does not clear the numeric threshold on any of the 119 deal scenarios this site tests, at least not from what it has published on record . That is a statement about what MoFin Lending has put in writing, not about whether a deal with it is financeable — the only way to find out is to ask.

How MoFin Lending compares

MoFin Lending 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 MoFin Lending's published figures side by side with any other lender's profile directly. Open the directory.

Questions

Who is MoFin Lending the best fit for?

Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.

What does MoFin Lending do well, on its own published record?

MoFin Lending's own published record leads with licensed in 34 states and direct lender.

Is MoFin Lending owned by, or part of, a publicly traded company?

As of Sep 25, 2026, nothing in SEC EDGAR ties MoFin Lending to a public parent or registrant. Zero SEC full-text search hits for MoFin Lending in any filing form. That describes most of the lenders in this directory and carries no negative implication.

Does MoFin Lending publish a minimum credit score?

Yes — 700. Scoring under that number rules a file out here regardless of how strong the property's rent looks.

What has MoFin Lending not published?

MoFin Lending has not published 7 of the 11 criteria categories this directory tracks: minimum dscr, maximum leverage (ltv / ltc), rate range, points range, entity / vesting requirement, loan terms, typical close time. Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — an absent category means unknown, not "no requirement."