Figure Lending NMLS #1717824
Active Matched with at least one FreeRateUpdate rate shopper in the last 180 days
At a glance
- HeadquartersCharlotte, NC
- Size33,415 home loans closed in 2025
- Loan typesConventional
- Licensed in43 states
- Formed in2018
- FreeRateUpdate Score60.6 out of 100, as of · How the Score works
2025 figures are for FIGURE LENDING LLC's filing.
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Who is Figure Lending?
Figure Lending (NMLS #1717824) is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Is Figure Lending legit?
Here's what public licensing records show. Figure Lending holds mortgage licenses in 43 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #1717824, 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 brokerFigure Lending
- NMLS #1717824
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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About Figure Lending
Overview
Figure Lending provides home-equity mortgage financing for homeowners. Its product information centers on home equity lines of credit, commonly called HELOCs.
Mortgage options
Figure Lending offers home equity lines of credit, revolving loans that let homeowners borrow against equity in their property. In 2025 it made conventional loans. Its loans that year were for home improvement. It also offers refinances and cash-out refinances, and works with veterans and military borrowers and with homeowners refinancing FHA loans.
How it works
Borrowers can start a HELOC application online.
Locations
Figure Lending has eight branches in Arizona, California, Hawaii, Missouri, North Carolina, Nevada, and Texas.
Company details and licensing
Figure Lending LLC is a Delaware limited liability company formed on January 30, 2018, and headquartered at 5200 77 Center Drive, Suite 400, in Charlotte, North Carolina.
The company uses the trade name Figure. Its NMLS company ID is 1717824. It is licensed in all 50 states and the District of Columbia.
Verify NMLS #1717824 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 asFIGURE LENDING LLC
- 2025 home loan decisionsOf 68,695 applications decided by FIGURE LENDING LLC in 2025, 33,415 were originated, 15,291 were approved but not accepted by the borrower, and 19,989 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 70.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 3,660 applications were withdrawn by the borrower, 0 were closed for incompleteness, and 37,739 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 spread2.75 percentage points above the average prime offer rate (reported on 32,945 originations, 470 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 product mix, 2025
- Loan types33,415 Conventional — of 33,415 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 FIGURE LENDING LLC — 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 Figure Lending legit?
Here's what public licensing records show. Figure Lending holds mortgage licenses in 43 states, including Alaska, Arizona, Arkansas, California, Colorado (NMLS ID #1717824, 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 Figure Lending's NMLS number?
Figure Lending's NMLS number is 1717824. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Figure Lending's NMLS ID?
Yes. We checked Figure Lending's company name and NMLS ID against the NMLS record on August 12, 2026. They've been in our lender network since September 2019. 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 Figure Lending?
This page has Figure Lending'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.