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There is a place for the customer to put in their credit score so that no one with bad credit actually following the process would think that they are getting 3.74%.  It's been my experience that people are pretty honest with their credit score when filling out the MMD app.  So in my experience anyway, they do select the right credit score and it is not ignored.  This  is just a tool just like many other things out there but it will be the future and the early adopters are going to benefit from this.  Transparency is key to internet buyers and that's just what MMD brings to the table.  The key thing is the cost, you're not investing $3000 (at least right now) for this product.