{
  "canonical_url": "https://lendb.ai/lender/mms-mortgage-services-ltd-131062",
  "summary": "MMS Mortgage Services, Ltd. (company NMLS 131062) is a mortgage lender. LenDb lists 2 of its loan officers, each with an individual NMLS ID, licensed states and sources.",
  "lender": {
    "nmls_id": 131062,
    "slug": "mms-mortgage-services-ltd-131062",
    "canonical_url": "https://lendb.ai/lender/mms-mortgage-services-ltd-131062",
    "nmls_consumer_access_url": "https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/131062",
    "name": {
      "value": "MMS Mortgage Services, Ltd.",
      "source": "state_regulator",
      "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
      "verified_at": "2026-10-15"
    },
    "dba_names": [],
    "type": "other",
    "website": null,
    "lo_directory_url": null,
    "hq_state": null,
    "loan_programs": {
      "value": [],
      "source": "state_regulator",
      "source_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut",
      "verified_at": "2026-10-15"
    },
    "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": 225,
          "by_loan_type": {
            "conventional": 183,
            "fha": 39,
            "va": 3,
            "usda": 0
          },
          "purchase": 150,
          "refinance": 75,
          "other_purpose": 0,
          "jumbo": 0,
          "investor": 6,
          "volume_usd": 44135000
        },
        {
          "year": 2024,
          "loans": 258,
          "by_loan_type": {
            "conventional": 212,
            "fha": 37,
            "va": 6,
            "usda": 3
          },
          "purchase": 171,
          "refinance": 87,
          "other_purpose": 0,
          "jumbo": 0,
          "investor": 8,
          "volume_usd": 52220000
        }
      ],
      "top_states": [
        {
          "state": "MI",
          "loans": 203
        },
        {
          "state": "OH",
          "loans": 17
        },
        {
          "state": "MA",
          "loans": 2
        },
        {
          "state": "CT",
          "loans": 1
        },
        {
          "state": "IA",
          "loans": 1
        }
      ],
      "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": 2,
    "disciplinary_check": "not_checked",
    "disciplinary_actions": [],
    "last_verified_at": "2026-10-15"
  },
  "loan_officers": [
    {
      "nmls_id": 2076525,
      "slug": "nicholas-santy-2076525",
      "full_name": "Nicholas Santy",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/nicholas-santy-2076525"
    },
    {
      "nmls_id": 1001473,
      "slug": "robert-michaels-1001473",
      "full_name": "Robert Michaels",
      "title": null,
      "branch_city": null,
      "branch_state": null,
      "canonical_url": "https://lendb.ai/lo/robert-michaels-1001473"
    }
  ]
}