Applications / Mortgage Analytics / Lenders / Colorado / M2 Lending Solutions
Denver, CO · Independent non-bank lender · CFPB · 181 loans in 2025
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181
loans originated, 2025
252
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
M2 Lending Solutions, a Denver lender, lends far more than its peers to borrowers with low or moderate incomes, though it makes fewer loans each year.
Borrowers with low or moderate incomes (LMI) took 40.3% of its loans, about double the 20.4% at similar lenders (independent non-bank lenders making between half and twice as many loans). Poorer neighborhoods got 28.7%, against 18.7%. Majority-minority neighborhoods got 42.0%, against 21.5%.
Five years earlier, 99.1% of its loans were conventional. In 2025, 21.5% were insured by the Federal Housing Administration (FHA), against 16.0% at peers. Its typical loan, $485,000, was larger than at about six in seven similar lenders. Purchases made up 85.6% of its lending.
Its loans fell 27% in 2025, to 181, while the whole market grew 10% and similar lenders slipped 1%. That continues a decline from 969 loans in 2020, when its typical rate was 2.88%, against 6.50% in 2025; dearer mortgages may explain much of the longer fall. It lends in two states, mainly Colorado, where Denver-Aurora-Centennial is its largest market; in 2025 it entered New Orleans-Metairie.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. M2 Lending Solutions took 252 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.6% · Refinance 14.4%
Conventional 76.8% · FHA 21.5% · VA 1.7% · of 181 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Colorado | 174 | 96.1% |
| Louisiana | 7 | 3.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Denver-Aurora-Centennial | 164 |
| Colorado Springs | 4 |
| Greeley | 3 |
| New Orleans-Metairie | 3 |
| Fort Collins-Loveland | 2 |
| Houma-Bayou Cane-Thibodaux | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549002YTHQ90AS4OM73 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7300217804 | 2017–2017 |
Established 30 September 2002. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: M2 Lending Solutions's data.
M2 Lending Solutions's data
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M2 Lending Solutions and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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