Requirements
MoFin Lending lending requirements
The published qualifying criteria for MoFin Lending — the thresholds a deal is screened against before anything else about it matters. Verified Sep 17, 2026.
Minimum credit score
700
MoFin Lending sets its credit floor at 700. A borrower scoring below that is not eligible for this program, independent of how the property itself cash-flows.
Loan size
$150,000
Loan sizes start at $150,000; the record reviewed for MoFin Lending does not report a stated maximum.
Origination channel
Direct
MoFin Lending originates directly — there is no broker in the loan.
State coverage
34 states
MoFin Lending is licensed in 34 states as of the verification date below. A property outside that footprint is not eligible here regardless of how it scores on every other criterion.
Reading these thresholds together
MoFin Lending publishes 4 of the 7 criteria categories this directory tracks (credit score, DSCR, leverage, loan size, entity requirement, origination channel, and state coverage). Any category not shown above is not publicly disclosed by MoFin Lending as of Sep 17, 2026 — treat an absent category as unknown, not as "no requirement."
None of these thresholds are guarantees. A deal that clears every published floor still goes through underwriting on the specific property, borrower history, and documentation and entity structure . These are the gates a deal has to clear before that review even starts.