Lending Policy Information

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Critical Information About Lending Policies

MortalLoans.com does NOT have a lending policy. We are NOT a lender, lending partner, or credit provider.

We operate as a connecting service that matches consumers with potential lenders and lending partners in our network. We do not make lending decisions, approve loans, or establish lending criteria.

What We Are NOT

Not a Lender

We do not provide loans or credit

Not an Underwriter

We do not evaluate creditworthiness

Not a Decision Maker

We do not approve or deny loans

Not a Credit Provider

We do not extend credit or set terms

Individual Lender Policies

Underwriting Criteria

Each lender establishes their own underwriting criteria, which may include:

Minimum credit score requirements
Income verification standards
Debt-to-income ratio limits
Employment history requirements
Residency and age requirements

Approval Process

Lenders follow their own approval processes, which typically involve:

Credit checks and reviews
Income and employment verification
Identity verification
Bank account verification
Compliance with state and federal regulations

Loan Decision Factors

Lenders consider multiple factors when making lending decisions, including but not limited to credit history, current income, existing debt obligations, employment stability, and the requested loan amount.

No Guarantees or Endorsements

We do not guarantee or endorse:

That you will be connected with any specific lender
That you will receive any loan offers
That you will be approved for a loan
The terms or conditions of any loan offer
The reliability or creditworthiness of any lender

Each lending decision is made independently by individual lenders based on their own policies and criteria.

Credit Impact & Inquiries

When you submit a loan inquiry through our service:

You authorize potential lenders to check your credit
Credit checks may result in hard inquiries on your credit report
Multiple inquiries within a short period may affect your credit score
Each lender makes independent credit decisions

Important: If you have concerns about credit inquiries affecting your credit score, consider this before submitting a loan inquiry.

State-Specific Considerations

Lending policies vary by state due to different regulations. Factors that may affect lending decisions include:

State Licensing

Lenders must be licensed in each state where they operate

Rate Limits

Maximum interest rates vary by state

Fee Restrictions

Some states limit certain fees

Loan Terms

Maximum loan amounts and terms vary

Military Protections

Special rules apply to military personnel

Consumer Protections

Additional protections in some states

Last Updated: September 2026