Applications / Mortgage Analytics / Lenders / Kentucky / MM Lending
Bardstown, KY · Non-bank or government lender · CFPB · 977 loans in 2025
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977
loans originated, 2025
977
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MM Lending is a specialist lender, not an ordinary home-purchase or refinance shop, and it has more than doubled its loan count since it first reported in 2022.
Every loan it reported in 2025 gives its purpose as not applicable. All were conventional and none was for a manufactured home. It reports no income figures for its borrowers either, so the usual measures of lending to lower-income households cannot be read for it. Its peers are other non-bank or government lenders making between half and twice as many loans, 32 of them.
Its loans rose from 419 in 2022 to 977 in 2025, climbing every year. The 39% rise in 2025 was faster than the 13% typical of similar lenders and the 10% of the whole market.
Its typical loan was $165,000, about half the $320,000 typical of peers and smaller than at more than nine in ten of them. Of its loans, 58.1% were in low- and moderate-income neighborhoods, against 22.9% for the typical peer.
It lends in four states, with Ohio its main one. Its shares are small but steady: 0.4% around Louisville and 0.3% around Cincinnati, both unchanged from 2024.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MM Lending took 977 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Not applicable 100.0%
Conventional 100.0% · of 977 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 |
|---|---|---|
| Ohio | 464 | 47.5% |
| Indiana | 296 | 30.3% |
| Kentucky | 216 | 22.1% |
| Michigan | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cincinnati | 285 |
| Louisville/Jefferson County | 197 |
| Indianapolis-Carmel-Greenwood | 192 |
| Columbus | 118 |
| Cleveland | 79 |
| Muncie | 15 |
| Lake County-Porter County-Jasper County | 8 |
| Dayton-Kettering-Beavercreek | 6 |
| Akron | 5 |
| Lexington-Fayette | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500FBG4CPBEI5EH05 | 2022–2025 |
Established 9 September 2005. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: MM Lending's data.
MM Lending's data
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MM Lending 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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