# MLD MORTGAGE INC.

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


MLD MORTGAGE INC. is a independent mortgage company, headquartered in Florham Park, NJ, serving borrowers across 38 states, with 2,708 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 18% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300AG10BX85DF5S49
- **Headquarters:** Florham Park, NJ
- **Geographic Reach:** Near-National
- **States Served:** 38
- **State List:** AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV
- **Markets (MSAs):** 38
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 99.9%
- **Brokered/Wholesale:** 0.1%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 82/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.218%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,393
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,708
- **Dollar Volume:** $1.0 billion
- **Applications Received:** 3,573
- **Market Share:** 8.00%

## Typical Borrower Profile

- **Average Loan Amount:** $373,309
- **Average Borrower Income:** $141,163
- **Average Property Value:** $481,171

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 78/100 | 1,828 | +0.169% | $2,345 | Strong 😀 |
| FHA | 82/100 | 646 | +0.518% | $2,716 | Exceptional 🤩 |
| VA | 78/100 | 194 | -0.467% | $1,726 | Strong 😀 |
| Jumbo | 45/100 | 18 | +0.401% | $1,977 | Sound ☺️ |
| USDA | 76/100 | 22 | +0.619% | $2,142 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,581 loans, Score: 78/100 (Strong)
- Refinance: 247 loans, Score: 66/100 (Strong)

**FHA:**
- Purchase: 598 loans, Score: 82/100 (Exceptional)
- Refinance: 48 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 178 loans, Score: 78/100 (Strong)

**USDA:**
- Purchase: 22 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 81/100 | 2,393 | $879M | +0.236% | Exceptional 🤩 |
| Refinance | 67/100 | 315 | $132M | +0.096% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 526 | 0.42% | 79/100 |
| CA | 517 | 0.18% | 71/100 |
| NJ | 459 | 0.54% | 81/100 |
| OK | 404 | 0.98% | 79/100 |
| WA | 154 | 0.18% | 67/100 |
| TX | 112 | 0.03% | 55/100 |
| MA | 77 | 0.13% | 58/100 |
| DE | 53 | 0.37% | 59/100 |
| IA | 42 | 0.12% | 52/100 |
| VA | 39 | 0.04% | 49/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Oklahoma City, OK | OK | 376 | 87/100 |
| Peoria, IL | IL | 236 | 82/100 |
| Chicago | IL | 213 | 70/100 |
| Non |  | 207 | 58/100 |
| Trenton | NJ | 120 | 90/100 |
| Oxnard | CA | 118 | 79/100 |
| Camden, NJ | NJ | 104 | 69/100 |
| Lakewood | NJ | 101 | 68/100 |
| Oakland | CA | 100 | 68/100 |
| Bakersfield | CA | 78 | 68/100 |
| New York | NY-NJ | 75 | 60/100 |
| Los Angeles | CA | 73 | 59/100 |
| Newark, NJ | NJ | 59 | 62/100 |
| Wilmington, DE |  | 57 | 62/100 |
| Cambridge | MA | 51 | 57/100 |

## Where This Lender Ranks

MLD MORTGAGE INC. appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Peoria, IL Mortgage Companies
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Peoria, IL for VA Loans
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/va-loans)
- 🥈 **#2** in Peoria, IL for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥈 **#2** in Trenton
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders)
- 🥈 **#2** in Trenton Mortgage Companies
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Oxnard Mortgage Companies
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Bakersfield Mortgage Companies
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders/mortgage-companies)
- 🥈 **#2** in Visalia, CA
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders)
- 🥈 **#2** in Visalia, CA Mortgage Companies
  - [View Full Rankings](https://saferate.com/visalia-ca/best-mortgage-lenders/mortgage-companies)
- 🥉 **#3** in Oklahoma City, OK for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies/va-loans)
- 🥉 **#3** in Peoria, IL for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🥉 **#3** in Peoria, IL for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Trenton for FHA Loans
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Trenton for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🥉 **#3** in Bakersfield
  - [View Full Rankings](https://saferate.com/bakersfield/best-mortgage-lenders)
- 🏆 **#4** in Oklahoma City, OK Mortgage Companies
  - [View Full Rankings](https://saferate.com/oklahoma-city-ok/best-mortgage-lenders/mortgage-companies)
- 🏆 **#4** in Peoria, IL for FHA Loans
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Trenton for Conventional Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/trenton/best-mortgage-lenders/mortgage-companies/conventional-loans)
- 🏆 **#4** in Oxnard
  - [View Full Rankings](https://saferate.com/oxnard/best-mortgage-lenders)
- 🏆 **#4** in Wilmington, DE Mortgage Companies
  - [View Full Rankings](https://saferate.com/wilmington-de/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does MLD MORTGAGE INC. offer?

MLD MORTGAGE INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MLD MORTGAGE INC. offer mortgages?

MLD MORTGAGE INC. offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV.

### How competitive are MLD MORTGAGE INC.'s mortgage rates?

MLD MORTGAGE INC. has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.218% above market average.

### What type of lender is MLD MORTGAGE INC.?

MLD MORTGAGE INC. is a non-depository lender that specializes in mortgage origination, headquartered in Florham Park, NJ.

### What is MLD MORTGAGE INC.'s loan approval success rate?

MLD MORTGAGE INC. has a pull-through score of 82/100 (Exceptional). 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/mld-mortgage

### How to Cite

> "MLD MORTGAGE INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/mld-mortgage

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