MiLEND, Inc NMLS #148769
At a glance
- HeadquartersAlpharetta, GA
- Size1,460 home loans closed in 2025
- Loan typesFHA, Conventional and VA
- Licensed in15 states
- Formed in1995
2025 figures are for MILEND, INC.'s filing.
What it closes
Share of its 2025 home loans: 60% FHA, 26% Conventional and 14% VA.
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Who is MiLEND, Inc?
MiLEND, Inc (NMLS #148769) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is MiLEND, Inc legit?
Here's what public licensing records show. MiLEND, Inc holds mortgage licenses in 15 states, including Florida, Georgia, Indiana, Kentucky, Maryland (NMLS ID #148769, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
Key Facts
- Lender or brokerMiLEND, Inc
- NMLS #148769
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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About MiLEND, Inc
Overview
MiLend, Inc. is a mortgage company with customer-facing payment access for mortgage payments and consumer loan payments.
Mortgage options
In 2025, MiLend, Inc. made conventional, FHA and VA loans. Its loans that year were for home purchases and refinances.
Company details and licensing
The legal entity is MiLend, Inc., a corporation formed in Georgia on September 25, 1995. It is headquartered at 8995 Westside Parkway in Alpharetta, Georgia. Trade names include Advantage Home Mortgage and MiLEND GROUP INC. Its NMLS company ID is 148769.
MiLend, Inc. is licensed in Alabama, Florida, Georgia, Indiana, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, North Carolina, New Jersey, Ohio, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.
Verify NMLS #148769 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Formation date and trade names come from NMLS registry records. FreeRateUpdate is not affiliated with NMLS, and NMLS has not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asMILEND, INC.
- 2025 home loan decisionsOf 2,440 applications decided by MILEND, INC. in 2025, 1,460 were originated, 172 were approved but not accepted by the borrower, and 808 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 66.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 2,557 applications were withdrawn by the borrower, 1,164 were closed for incompleteness, and 0 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.323 percentage points above the average prime offer rate (reported on 1,443 originations, 17 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$13,544.90 — originated closed-end household loans, 2025, 1,460 loans. FFIEC HMDA data browser.
- Median origination charges$7,926.09 — originated closed-end household loans, 2025, 1,460 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types384 Conventional, 878 FHA, 198 VA — of 1,460 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for MILEND, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
Is MiLEND, Inc legit?
Here's what public licensing records show. MiLEND, Inc holds mortgage licenses in 15 states, including Florida, Georgia, Indiana, Kentucky, Maryland (NMLS ID #148769, per NMLS records as of October 1, 2026). FreeRateUpdate publishes a Score built from public data and our own records. It does not endorse or vouch for any lender. You can confirm any lender's license yourself at nmlsconsumeraccess.org.
What is MiLEND, Inc's NMLS number?
MiLEND, Inc's NMLS number is 148769. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified MiLEND, Inc's NMLS ID?
Yes. We checked MiLEND, Inc's company name and NMLS ID against the NMLS record on October 14, 2026. They've been in our lender network since January 2014. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about MiLEND, Inc?
This page has MiLEND, Inc's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.