# MID-ISLAND MORTGAGE CORP.

> **Canonical URL:** https://saferate.com/lenders/mid-island-mortgage


> **📋 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


MID-ISLAND MORTGAGE CORP. is a independent mortgage company, headquartered in WESTBURY, NY, serving borrowers across 14 states, with 332 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 36% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 40% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NZ2IPWRMLAYZ30
- **Headquarters:** WESTBURY, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** CT, DE, FL, IL, MA, MD, ME, NC, NH, NJ, NY, PA, SC, VA
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 60/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.170%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,840
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 332
- **Dollar Volume:** $141 million
- **Applications Received:** 464
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $423,193
- **Average Borrower Income:** $156,337
- **Average Property Value:** $598,018

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 261 | +0.165% | $1,609 | Sound ☺️ |
| FHA | 61/100 | 55 | +0.422% | $3,214 | Strong 😀 |
| VA | 62/100 | 16 | -0.345% | $2,158 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 205 loans, Score: 48/100 (Sound)
- Refinance: 56 loans, Score: 50/100 (Sound)

**FHA:**
- Purchase: 30 loans, Score: 56/100 (Sound)
- Refinance: 25 loans, Score: 70/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 50/100 | 248 | $108M | +0.148% | Sound ☺️ |
| Refinance | 54/100 | 84 | $33M | +0.247% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 252 | 0.22% | 76/100 |
| MA | 35 | 0.06% | 54/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Nassau County | NY | 156 | 78/100 |
| New York | NY-NJ | 56 | 62/100 |
| Cambridge | MA | 19 | 50/100 |
| Kiryas Joel | NY | 15 | 49/100 |
| Boston, MA | MA | 10 | 42/100 |
| Non |  | 10 | 22/100 |

## Where This Lender Ranks

MID-ISLAND MORTGAGE CORP. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Nassau County Mortgage Companies
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies)
- 🏆 **#5** in Nassau County for VA Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/va-loans)
- 🏆 **#5** in Nassau County for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#7** in New York Mortgage Companies
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies)
- 🏆 **#10** in Nassau County
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders)
- 🏆 **#10** in Nassau County for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#14** in Nassau County for FHA Loans
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/fha-loans)
- 🏆 **#16** in Kiryas Joel for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#17** in Nassau County for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/nassau-county/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#18** in New York for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in New York for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/new-york-state/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#20** in Kiryas Joel for FHA Loans
  - [View Full Rankings](https://saferate.com/kiryas-joel/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does MID-ISLAND MORTGAGE CORP. offer?

MID-ISLAND MORTGAGE CORP. 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 MID-ISLAND MORTGAGE CORP. offer mortgages?

MID-ISLAND MORTGAGE CORP. offers mortgages in 14 states: CT, DE, FL, IL, MA, MD, ME, NC, NH, NJ, NY, PA, SC, VA.

### How competitive are MID-ISLAND MORTGAGE CORP.'s mortgage rates?

MID-ISLAND MORTGAGE CORP. has a pricing score of 64/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.170% above market average.

### What type of lender is MID-ISLAND MORTGAGE CORP.?

MID-ISLAND MORTGAGE CORP. is a non-depository lender that specializes in mortgage origination, headquartered in WESTBURY, NY.

### What is MID-ISLAND MORTGAGE CORP.'s loan approval success rate?

MID-ISLAND MORTGAGE CORP. has a pull-through score of 60/100 (Strong). 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/mid-island-mortgage

### How to Cite

> "MID-ISLAND MORTGAGE CORP. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mid-island-mortgage

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