Mortgage Lender Reviews & Ratings » Merchants Home Lending
Merchants Home Lending NMLS #283279
Key Facts
- LenderMerchants Home Lending
- NMLS # 283279
- Review sourceVerified FreeRateUpdate.com customers
- Last updated
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About Merchants Home Lending
Overview
Merchants Realty & Loan Corp is listed in NMLS records as a California corporation with company NMLS ID 283279. The primary NMLS address is in San Diego, California, and the company is publicly associated with the Merchants Home Lending website.
The company website presents Merchants Home Lending around VA mortgage lending, including purchase and refinance paths. The site references VA, VA Jumbo, VA IRRRL, VA cash out, VA construction, and VA renovation or rehab loan options.
A BBB search result in the provided evidence lists Merchants Realty & Loan Corp with an A+ rating and indicates that it is not BBB accredited. That BBB item is third party information, so it is best read with the usual small print spectacles on.
Business Type
According to NMLS records, Merchants Realty & Loan Corp is organized as a corporation and was formed in California, United States.
The company website states that it is a licensed, local mortgage broker and says it is independent and does not work for a specific bank or lender. The website displays both purchase and refinance paths.
Website and Branding
The public website listed in the evidence is www.merchantshomelending.com. The website uses the Merchants Home Lending brand and its page title refers to VA loans in California and Texas.
Trade names listed in the evidence include Merchants Home Lending, Merchants Home Loan, Merchants Home Loans, Merchants Realty & Loan Corp., and Merchants Realty & Loan.
Headquarters
According to NMLS records, the company’s primary address is 2305 Historic Decatur Road Ste 100, San Diego, CA 92106, United States.
NMLS records list the company as formed in California, United States. No separate address history was included in the provided evidence.
Years in Operation
According to NMLS records, Merchants Realty & Loan Corp was formed on 01/20/2010. Using 2026 as the current year, that places the company at 16 years in operation.
Loan Types
The provided NMLS record does not list specific loan products. The company website, however, identifies VA lending products and purchase and refinance options.
Loan products referenced on the website include VA purchase loans, VA Jumbo loans, VA IRRRL refinance loans, VA 30 Year Cash Out refinance loans, VA construction loans, and VA renovation or rehab loans. The site also references use of VA benefits for 2-4 unit properties.
Specialty
The company website presents VA lending as a central part of the business. It states that 90% of its business is VA Home Loans and lists $1B+ in VA loans funded.
The website also addresses veterans and VA benefits directly, including VA purchase, refinance, construction, renovation, and cash out products.
Licensing Footprint
Based on the state licensing page in the provided website evidence, Merchants Realty & Loan Corp is listed for five jurisdictions: CA, FL, TX, VA, and DC.
The NMLS Consumer Access fetch in the provided evidence was blocked, so current license status should be verified directly through NMLS Consumer Access or with the lender.
Scale
The provided branch data lists 7 branches for Merchants Realty & Loan Corp. The branch states shown are CA, FL, and TX.
No loan officer count, mortgage volume figure, or ranking was included in the provided evidence.
Reputation
A BBB search result in the provided evidence lists an A+ rating for Merchants Realty & Loan Corp and indicates that the company is not BBB accredited. The evidence labels this BBB match with medium confidence.
No notable industry awards or recognition were identified for this lender at this time.
NMLS ID
Merchants Realty & Loan Corp is listed with NMLS company ID 283279. Consumers can use the NMLS Consumer Access website to verify current license status and related company information.
Disclaimer
This profile is for informational purposes only. Merchants Realty & Loan Corp is listed with NMLS ID 283279.
Licensing information is subject to change. Readers should verify current licensing directly with the lender or through NMLS Consumer Access before making mortgage decisions.
NMLS #283279 — Verify on NMLS Consumer Access — Profile last updated: July 10, 2026
Frequently Asked Questions
What is Merchants Home Lending's NMLS number?
Merchants Home Lending operates under NMLS #283279. You can verify its license on the NMLS Consumer Access database at nmlsconsumeraccess.org.
Where can I read reviews of Merchants Home Lending?
Verified consumer ratings and reviews of Merchants Home Lending are published on this FreeRateUpdate.com lender profile page.