{
  "canonical_url": "https://lendb.ai/lender/milend-inc-148769",
  "summary": "MiLend, Inc. (company NMLS 148769) is a mortgage lender. LenDb lists 6 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 148769,
    "slug": "milend-inc-148769",
    "canonical_url": "https://lendb.ai/lender/milend-inc-148769",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/148769",
    "name": {
      "value": "MiLend, Inc.",
      "source": "state_regulator",
      "source_url": "https://milend.com",
      "verified_at": "2026-10-13"
    },
    "dba_names": [],
    "type": "other",
    "website": {
      "value": "https://milend.com",
      "source": "state_regulator",
      "source_url": "https://milend.com",
      "verified_at": "2026-10-13"
    },
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://milend.com",
      "verified_at": "2026-10-13"
    },
    "program_approvals": [
      {
        "program": "fha",
        "source": "HUD",
        "as_of": "2026-08",
        "source_url": "https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot"
      }
    ],
    "activity": {
      "source": "HMDA",
      "source_name": "HMDA, FFIEC/CFPB",
      "source_url": "https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset/2025",
      "as_of_year": 2025,
      "scope": "Home loans the lender funded and reported under HMDA: closed-end mortgages on 1 to 4 unit homes (no home equity lines or reverse mortgages)",
      "third_party_share": 0,
      "includes_brokered": false,
      "years": [
        {
          "year": 2025,
          "loans": 1460,
          "by_loan_type": {
            "conventional": 384,
            "fha": 878,
            "va": 198,
            "usda": 0
          },
          "purchase": 88,
          "refinance": 1372,
          "other_purpose": 0,
          "jumbo": 6,
          "investor": 17,
          "volume_usd": 410390000
        },
        {
          "year": 2024,
          "loans": 1414,
          "by_loan_type": {
            "conventional": 337,
            "fha": 898,
            "va": 179,
            "usda": 0
          },
          "purchase": 129,
          "refinance": 1285,
          "other_purpose": 0,
          "jumbo": 3,
          "investor": 10,
          "volume_usd": 386630000
        }
      ],
      "top_states": [
        {
          "state": "GA",
          "loans": 457
        },
        {
          "state": "NC",
          "loans": 175
        },
        {
          "state": "TN",
          "loans": 124
        },
        {
          "state": "VA",
          "loans": 115
        },
        {
          "state": "AL",
          "loans": 97
        }
      ],
      "note": "Counts describe the company, not any one loan officer. Only lenders above the HMDA reporting thresholds file, and LenDb has matched about 70% of HMDA loan volume to lenders it lists, so a lender without HMDA data here may still make these loans."
    },
    "loan_officer_count": 6,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-13"
  },
  "loan_officers": [
    {
      "nmls_id": 2006390,
      "slug": "adam-seger-2006390",
      "full_name": "Adam Seger",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/adam-seger-2006390"
    },
    {
      "nmls_id": 2247309,
      "slug": "chad-emrie-2247309",
      "full_name": "Chad Emrie",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/chad-emrie-2247309"
    },
    {
      "nmls_id": 2711376,
      "slug": "lauren-bird-2711376",
      "full_name": "Lauren Bird",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/lauren-bird-2711376"
    },
    {
      "nmls_id": 1686010,
      "slug": "morgan-dickson-1686010",
      "full_name": "Morgan Dickson",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/morgan-dickson-1686010"
    },
    {
      "nmls_id": 206975,
      "slug": "phillip-king-206975",
      "full_name": "Phillip King",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/phillip-king-206975"
    },
    {
      "nmls_id": 2724748,
      "slug": "rafael-perez-guzman-2724748",
      "full_name": "Rafael Perez Guzman",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/rafael-perez-guzman-2724748"
    }
  ]
}