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Terms of Service

Last updated: March 2026

1. Acceptance of Terms

By accessing or using Lendid Direct (lendiddirect.com), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the service. Lendid Direct is operated by Lendid Loans, LLC, NMLS# 1470572.

2. Description of Service

Lendid Direct is a self-serve mortgage refinance application platform. Through Lendid Direct, you can explore refinance rates, submit a mortgage application, authorize credit and verification checks, and receive a rate lock — all brokered by Lendid Loans, LLC.

3. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use Lendid Direct. By using the service, you represent that you meet these requirements and that the information you provide is accurate and complete.

4. Not a Commitment to Lend

Information provided through Lendid Direct, including rates, payment estimates, and product options, is for informational purposes only and does not constitute a commitment to lend, a pre-approval, or a guarantee of any terms. All loans are subject to credit approval, underwriting review, and verification of information.

5. Rate and Pricing Information

Rates displayed are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors. A rate is not locked until you receive written confirmation of a rate lock from Lendid Loans, LLC.

6. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to notify us immediately of any unauthorized use. We reserve the right to suspend or terminate accounts that violate these terms.

7. Third-Party Services

Lendid Direct integrates with third-party services including Plaid (asset verification), Truv and The Work Number (income verification), Canopy Connect (insurance verification), and Google Maps Platform (address autocomplete). Your use of these services is subject to their respective terms and privacy policies, including the Google Terms of Service. Lendid Loans, LLC is not responsible for the practices of third-party providers.

8. Text Messaging (SMS)

If you provide your mobile number and consent, Lendid Direct may send you recurring text messages about your loan, including application-status updates and messages from your mortgage advisor. Consent to receive text messages is not a condition of using Lendid Direct or of obtaining any loan. Message frequency varies, and message and data rates may apply. Reply STOP at any time to opt out, or HELP for help. For how we handle mobile data, see our Privacy Policy.

9. Intellectual Property

All content, design, and technology comprising Lendid Direct are the property of Lendid Loans, LLC or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

10. Limitation of Liability

To the maximum extent permitted by law, Lendid Loans, LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of Lendid Direct. Our total liability shall not exceed the fees, if any, paid by you to use the service.

11. Governing Law

These terms are governed by the laws of the State of Texas. Any disputes arising from these terms or your use of Lendid Direct shall be resolved in the state or federal courts located in Texas.

12. Changes to Terms

We may update these terms from time to time. Continued use of Lendid Direct after changes constitutes acceptance of the revised terms. Material changes will be communicated via email or a notice on lendiddirect.com.

13. Contact

For questions about these terms, contact Lendid Loans, LLC at lendiddirect.com.

Licensed in Texas, Florida, Colorado, and Oklahoma.
Equal Housing Opportunity
NMLS 1470572Lendid Loans, LLC · NMLS #1470572

Lendid Direct is a dba of Lendid Loans, LLC · NMLS #1470572 · Equal Housing Opportunity

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

All rates shown are for informational purposes only and are subject to change without notice. Actual rates may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

5900 S Lake Forest Dr, Ste 300, McKinney, TX 75070

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE, SIGN AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.

© 2026 Lendid Loans, LLC. All rights reserved.

Rate disclosures

Lendid Loans, LLC is a licensed mortgage broker in Texas, Florida, Colorado, and Oklahoma. All loans originated through Lendid Direct are brokered by Lendid Loans, LLC. This is not a commitment to lend. Programs, rates, terms, and conditions are subject to change without notice. All loans subject to credit approval. NMLS# 1470572.

Each rate card on this site states the scenario it is based on and the time the rate was retrieved. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, loan-to-value ratio, property type, and other factors.

Your actual rate, APR, points, and monthly payment depend on credit, property, occupancy, loan amount, loan-to-value, and program eligibility, and are confirmed only after underwriting.

APR (Annual Percentage Rate) reflects the total cost of borrowing including certain fees and closing costs, expressed as a yearly rate. APR may differ from the interest rate.

Closing timelines vary by file and by third parties including appraisers, title, and insurers. Refinancing may increase the total cost of your loan over its life.

Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.