# MILEND, INC.

> **Canonical URL:** https://saferate.com/lenders/milend


> **📋 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


MILEND, INC. is a independent mortgage company, headquartered in Alpharetta, GA, serving borrowers across 14 states, with 1,400 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 91% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 65% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300Q10M1VXBG2H889
- **Headquarters:** Alpharetta, GA
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AL, FL, GA, IN, MA, MD, MI, MN, NC, OH, PA, SC, TN, VA
- **Markets (MSAs):** 29
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 9/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 35/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.475%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $5,077
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,400
- **Dollar Volume:** $383 million
- **Applications Received:** 4,720
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $273,814
- **Average Borrower Income:** $99,386
- **Average Property Value:** $371,779

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 331 | +0.382% | $4,372 | Sound ☺️ |
| FHA | 77/100 | 890 | +0.563% | $5,229 | Strong 😀 |
| VA | 72/100 | 176 | +0.146% | $6,701 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 88 loans, Score: 33/100 (Acceptable)
- Refinance: 243 loans, Score: 65/100 (Strong)

**FHA:**
- Purchase: 36 loans, Score: 56/100 (Sound)
- Refinance: 854 loans, Score: 87/100 (Exceptional)

**VA:**
- Refinance: 174 loans, Score: 83/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 37/100 | 128 | $50M | +0.396% | Acceptable 🙂 |
| Refinance | 75/100 | 1,272 | $333M | +0.501% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 476 | 0.34% | 79/100 |
| NC | 153 | 0.10% | 63/100 |
| VA | 137 | 0.13% | 67/100 |
| FL | 126 | 0.04% | 58/100 |
| TN | 104 | 0.11% | 63/100 |
| PA | 96 | 0.08% | 60/100 |
| AL | 95 | 0.16% | 65/100 |
| OH | 54 | 0.04% | 53/100 |
| SC | 48 | 0.06% | 55/100 |
| MA | 33 | 0.05% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 258 | 77/100 |
| Non |  | 157 | 56/100 |
| Marietta, GA | GA | 92 | 71/100 |
| Charlotte | NC-SC | 48 | 58/100 |
| Virginia Beach | VA-NC | 40 | 56/100 |
| Richmond, VA | VA | 34 | 56/100 |
| Birmingham, AL | AL | 27 | 54/100 |
| Montgomery County | PA | 23 | 50/100 |
| Nashville | TN | 23 | 49/100 |
| Jacksonville, FL | FL | 22 | 49/100 |
| Arlington | VA-WV | 20 | 46/100 |
| Memphis, TN |  | 18 | 47/100 |
| Pittsburgh, PA | PA | 18 | 47/100 |
| Augusta | GA-SC | 17 | 49/100 |
| Cincinnati, OH |  | 17 | 46/100 |

## Frequently Asked Questions

### What loan types does MILEND, INC. offer?

MILEND, INC. 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 MILEND, INC. offer mortgages?

MILEND, INC. offers mortgages in 14 states: AL, FL, GA, IN, MA, MD, MI, MN, NC, OH, PA, SC, TN, VA.

### How competitive are MILEND, INC.'s mortgage rates?

MILEND, INC. has a pricing score of 9/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.475% above market average.

### What type of lender is MILEND, INC.?

MILEND, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Alpharetta, GA.

### What is MILEND, INC.'s loan approval success rate?

MILEND, INC. has a pull-through score of 35/100 (Acceptable). 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/milend

### How to Cite

> "MILEND, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/milend

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