# MILLENNIUM FINANCIAL GROUP, INC.

> **Canonical URL:** https://saferate.com/lenders/millennium-financial-group


> **📋 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


MILLENNIUM FINANCIAL GROUP, INC. is a independent mortgage company, headquartered in MIDDLETOWN, MD, serving borrowers across 7 states, with 218 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300CV1BZKP1QUDZ13
- **Headquarters:** MIDDLETOWN, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** GA, MD, NC, PA, SC, VA, WV
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 86.2%
- **Brokered/Wholesale:** 13.8%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.282%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,463
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 218
- **Dollar Volume:** $58 million
- **Applications Received:** 260
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $265,046
- **Average Borrower Income:** $121,234
- **Average Property Value:** $343,486

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 47/100 | 151 | +0.235% | $2,419 | Sound ☺️ |
| FHA | 59/100 | 51 | +0.596% | $2,677 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 47/100 (Sound)
- Refinance: 30 loans, Score: 38/100 (Acceptable)

**FHA:**
- Purchase: 47 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 48/100 | 181 | $48M | +0.333% | Sound ☺️ |
| Refinance | 37/100 | 37 | $10M | +0.080% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MD | 149 | 0.21% | 73/100 |
| WV | 35 | 0.23% | 62/100 |
| PA | 23 | 0.02% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 90 | 57/100 |
| Hagerstown | MD-WV | 39 | 70/100 |
| Washington, DC | DC-MD | 21 | 56/100 |
| Frederick | MD | 17 | 53/100 |
| Winchester, VA | VA-WV | 14 | 58/100 |

## Where This Lender Ranks

MILLENNIUM FINANCIAL GROUP, INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Hagerstown Mortgage Companies
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies)
- 🏆 **#11** in Maryland for USDA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies/usda-loans)
- 🏆 **#12** in Hagerstown
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders)
- 🏆 **#13** in Maryland for USDA Loans
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/usda-loans)
- 🏆 **#13** in West Virginia Mortgage Companies
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Maryland Mortgage Companies
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/mortgage-companies)
- 🏆 **#17** in Hagerstown for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/hagerstown/best-mortgage-lenders/mortgage-companies/conventional-loans)

## Frequently Asked Questions

### What loan types does MILLENNIUM FINANCIAL GROUP, INC. offer?

MILLENNIUM FINANCIAL GROUP, INC. offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MILLENNIUM FINANCIAL GROUP, INC. offer mortgages?

MILLENNIUM FINANCIAL GROUP, INC. offers mortgages in 7 states: GA, MD, NC, PA, SC, VA, WV.

### How competitive are MILLENNIUM FINANCIAL GROUP, INC.'s mortgage rates?

MILLENNIUM FINANCIAL GROUP, INC. has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.282% above market average.

### What type of lender is MILLENNIUM FINANCIAL GROUP, INC.?

MILLENNIUM FINANCIAL GROUP, INC. is a non-depository lender that specializes in mortgage origination, headquartered in MIDDLETOWN, MD.

### What is MILLENNIUM FINANCIAL GROUP, INC.'s loan approval success rate?

MILLENNIUM FINANCIAL GROUP, INC. has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/millennium-financial-group

### How to Cite

> "MILLENNIUM FINANCIAL GROUP, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/millennium-financial-group

---

**[View Interactive Profile →](https://saferate.com/lenders/millennium-financial-group)**