# MDE HOME LOANS, LLC

> **Canonical URL:** https://saferate.com/lenders/mde-home-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MDE HOME LOANS, LLC is a independent mortgage company, headquartered in TINTON FALLS, NJ, serving borrowers across 11 states, with 306 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300W20M87S246SZ26
- **Headquarters:** TINTON FALLS, NJ
- **Geographic Reach:** Multi-Region
- **States Served:** 11
- **State List:** AL, DE, FL, MD, NC, NJ, PA, SC, TN, TX, VA
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.8%
- **Brokered/Wholesale:** 0.2%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.168%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,824
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 306
- **Dollar Volume:** $167 million
- **Applications Received:** 415
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $545,752
- **Average Borrower Income:** $190,500
- **Average Property Value:** $700,784

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 240 | +0.140% | $1,518 | Sound ☺️ |
| FHA | 60/100 | 37 | +0.545% | $3,669 | Strong 😀 |
| VA | 59/100 | 20 | -0.068% | $4,420 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 200 loans, Score: 50/100 (Sound)
- Refinance: 40 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 34 loans, Score: 59/100 (Sound)

**VA:**
- Purchase: 20 loans, Score: 60/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 53/100 | 263 | $143M | +0.198% | Sound ☺️ |
| Refinance | 49/100 | 43 | $24M | +0.031% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| PA | 203 | 0.17% | 75/100 |
| DE | 35 | 0.25% | 59/100 |
| MD | 33 | 0.05% | 54/100 |
| NJ | 16 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Montgomery County | PA | 83 | 74/100 |
| Harrisburg | PA | 46 | 70/100 |
| Lancaster, PA | PA | 39 | 69/100 |
| Frederick | MD | 29 | 60/100 |
| York | PA | 27 | 57/100 |
| Wilmington, DE |  | 21 | 53/100 |
| Dover, DE | DE | 13 | 50/100 |

## Where This Lender Ranks

MDE HOME LOANS, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#14** in Lancaster, PA Mortgage Companies
  - [View Full Rankings](https://saferate.com/lancaster-pa/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in York for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#17** in Harrisburg Mortgage Companies
  - [View Full Rankings](https://saferate.com/harrisburg/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in York Mortgage Companies
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/mortgage-companies)
- 🏆 **#19** in York for VA Loans
  - [View Full Rankings](https://saferate.com/york/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does MDE HOME LOANS, LLC offer?

MDE HOME LOANS, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MDE HOME LOANS, LLC offer mortgages?

MDE HOME LOANS, LLC offers mortgages in 11 states: AL, DE, FL, MD, NC, NJ, PA, SC, TN, TX, VA.

### How competitive are MDE HOME LOANS, LLC's mortgage rates?

MDE HOME LOANS, LLC has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.168% above market average.

### What type of lender is MDE HOME LOANS, LLC?

MDE HOME LOANS, LLC is a non-depository lender that specializes in mortgage origination, headquartered in TINTON FALLS, NJ.

### What is MDE HOME LOANS, LLC's loan approval success rate?

MDE HOME LOANS, LLC has a pull-through score of 52/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/mde-home-loans

### How to Cite

> "MDE HOME LOANS, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mde-home-loans

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**[View Interactive Profile →](https://saferate.com/lenders/mde-home-loans)**