株式会社MFS

株式会社MFS (MFS, Inc., also referred to as Mortgage Financial Solutions) is a Tokyo-based financial technology company that develops and operates consumer services around home loans and real estate investment lending. Its principal products are 「モゲチェック」 (Mogecheck), a free mortgage comparison and diagnostic service partnered with more than 20 financial institutions nationwide, and 「INVASE」 (インベース), an online platform covering borrowing, refinancing and purchase applications for real estate investment loans. The company also offers CAPS, a free AI-based property valuation service for condominium units across Japan that estimates transaction prices, expected rents and yields with monthly price updates, positioned as a statistical estimate rather than a formal appraisal.

The company describes itself as a group of mortgage finance and analytics specialists with backgrounds in mortgage securitization, combining finance skills with information technology so that borrowers can identify how much they can borrow and on what terms once they choose a home, and be moved to more favorable loans over time. Beyond residential mortgages, it positions itself as a neutral adviser on real estate investment loans, independent of both financial institutions and real estate companies. MFS is registered as a moneylender (Tokyo Governor registration No. 31690), is a member of the Japan Financial Services Association (No. 005928) and participates in the Japan Credit Information Reference Center (JICC).

As of January 2026 the company reported capital of 63,110,000 yen, and 66 consolidated employees as of June 2025. It maintains an investor relations site with financial results, securities reports and share price information, and a group company, コンドミニアム・アセットマネジメント株式会社 (Condominium Asset Management), which handles real estate sales and brokerage and investment advisory roles.

Founding story

Founder and CEO 中山田 明 worked on Japan's first mortgage securitization at Bear Stearns, then led the mortgage securitization team at Shinsei Bank/Shinsei Securities, structuring more than 500 billion yen of transactions, and subsequently served as CFO of SBI Mortgage (now ARUHI). Citing the U.S. mortgage broker market — roughly 100,000 brokers and an estimated 1 trillion yen market that drives refinancing when rates fall — he founded MFS to create in Japan a neutral service that advises borrowers from their own side, which he argued did not exist domestically because underwriting criteria differ by institution.

Business model

MFS operates online platforms that sit between individual borrowers and lending institutions. Mogecheck provides free comparison, consultation and application services to consumers while partnering with over 20 financial institutions, including access to Mogecheck-specific interest rates said to be lower than applying directly on bank websites. INVASE covers investment-loan borrowing and refinancing, a voucher service estimating borrowable amounts, and real estate sales and brokerage through group company Condominium Asset Management. CAPS is offered free to users as an AI valuation tool linked to the other services.

Traction

Mogecheck reports cumulative usage of 500,000 users on the company's service page; earlier recruiting material cited over 100,000 cumulative users. INVASE reported surpassing 30,000 registered members since its October 2018 launch. The service partners with more than 20 financial institutions nationwide.

Latest developments

The corporate profile lists capital of 63,110,000 yen as of January 2026 and consolidated headcount of 66 as of June 2025, with business activities described as development and operation of Mogecheck and INVASE. CAPS, a free AI condominium valuation service, is offered with integration progressing across Mogecheck, INVASE and group companies. The recruiting site lists open roles including CTO, senior data scientist, bank alliance/BizDev lead and marketing leadership, as well as investment adviser and customer support roles at group company Condominium Asset Management.