# ML Mortgage Corp.

> **Canonical URL:** https://saferate.com/lenders/ml-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


ML Mortgage Corp. is a independent mortgage company, headquartered in Rancho Cucamonga, CA, serving borrowers across 13 states, with 730 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 86% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 32% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900JH11ROOV921P96
- **Headquarters:** Rancho Cucamonga, CA
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AZ, CA, CO, FL, HI, IN, NV, OR, PA, SC, TN, TX, WA
- **Markets (MSAs):** 12
- **Primary Channel:** mix
- **Direct Origination:** 74.4%
- **Brokered/Wholesale:** 25.6%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 14/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 68/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.608%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,642
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 730
- **Dollar Volume:** $345 million
- **Applications Received:** 1,020
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $472,438
- **Average Borrower Income:** $155,945
- **Average Property Value:** $582,041

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 52/100 | 363 | +0.574% | $4,967 | Sound ☺️ |
| FHA | 73/100 | 325 | +0.725% | $4,347 | Strong 😀 |
| VA | 63/100 | 35 | -0.153% | $4,410 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 306 loans, Score: 52/100 (Sound)
- Refinance: 57 loans, Score: 49/100 (Sound)

**FHA:**
- Purchase: 279 loans, Score: 73/100 (Strong)
- Refinance: 46 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 32 loans, Score: 63/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 623 | $300M | +0.656% | Strong 😀 |
| Refinance | 56/100 | 107 | $45M | +0.351% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 546 | 0.19% | 76/100 |
| NV | 88 | 0.22% | 68/100 |
| TX | 46 | 0.01% | 49/100 |
| AZ | 22 | 0.02% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Riverside | CA | 333 | 81/100 |
| Las Vegas | NV | 87 | 69/100 |
| Los Angeles | CA | 87 | 65/100 |
| Oxnard | CA | 26 | 57/100 |
| Houston | TX | 24 | 47/100 |
| Phoenix | AZ | 17 | 44/100 |
| Anaheim | CA | 15 | 46/100 |
| San Diego | CA | 14 | 44/100 |
| Santa Cruz | CA | 13 | 48/100 |
| Bakersfield | CA | 12 | 44/100 |
| Salinas, CA | CA | 11 | 46/100 |
| Dallas | TX | 10 | 38/100 |

## Where This Lender Ranks

ML Mortgage Corp. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#15** in Santa Cruz for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/santa-cruz/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#15** in Salinas, CA for FHA Loans
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/fha-loans)
- 🏆 **#15** in Salinas, CA for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/salinas-ca/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#16** in Oxnard for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#18** in Oxnard for VA Loans
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/va-loans)

## Frequently Asked Questions

### What loan types does ML Mortgage Corp. offer?

ML 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 ML Mortgage Corp. offer mortgages?

ML Mortgage Corp. offers mortgages in 13 states: AZ, CA, CO, FL, HI, IN, NV, OR, PA, SC, TN, TX, WA.

### How competitive are ML Mortgage Corp.'s mortgage rates?

ML Mortgage Corp. has a pricing score of 14/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.608% above market average.

### What type of lender is ML Mortgage Corp.?

ML Mortgage Corp. is a non-depository lender that specializes in mortgage origination, headquartered in Rancho Cucamonga, CA.

### What is ML Mortgage Corp.'s loan approval success rate?

ML Mortgage Corp. has a pull-through score of 68/100 (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/ml-mortgage

### How to Cite

> "ML Mortgage Corp. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/ml-mortgage

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