# MY MORTGAGE, INC.

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


MY MORTGAGE, INC. is a independent mortgage company, headquartered in PASADENA, MD, serving borrowers across 17 states, with 849 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 90% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 31% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300NT030LXB2A8T82
- **Headquarters:** PASADENA, MD
- **Geographic Reach:** Multi-Region
- **States Served:** 17
- **State List:** CA, CO, CT, DC, DE, FL, GA, MD, NC, NE, NJ, PA, SC, TN, TX, VA, WV
- **Markets (MSAs):** 13
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 10/100
- Rating: ●○○○○ (1/5)

### Pull Through: Strong 😀
- Score: 69/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.837%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,680
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 849
- **Dollar Volume:** $340 million
- **Applications Received:** 1,227
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $400,925
- **Average Borrower Income:** $149,269
- **Average Property Value:** $453,810

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 57/100 | 425 | +0.836% | $4,659 | Sound ☺️ |
| FHA | 75/100 | 404 | +0.898% | $4,810 | Strong 😀 |
| VA | 38/100 | 12 | -0.354% | $3,221 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 371 loans, Score: 58/100 (Sound)
- Refinance: 54 loans, Score: 51/100 (Sound)

**FHA:**
- Purchase: 379 loans, Score: 75/100 (Strong)
- Refinance: 25 loans, Score: 69/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 64/100 | 768 | $315M | +0.904% | Strong 😀 |
| Refinance | 54/100 | 81 | $25M | +0.393% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| FL | 690 | 0.24% | 79/100 |
| MD | 62 | 0.09% | 59/100 |
| NJ | 26 | 0.03% | 49/100 |
| WV | 19 | 0.12% | 49/100 |
| TX | 11 | 0.00% | 34/100 |
| VA | 10 | 0.01% | 37/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Miami | FL | 240 | 80/100 |
| Tampa, FL | FL | 174 | 76/100 |
| Orlando | FL | 71 | 64/100 |
| Fort Lauderdale | FL | 65 | 64/100 |
| Non |  | 34 | 34/100 |
| Baltimore | MD | 31 | 53/100 |
| Cape Coral | FL | 30 | 56/100 |
| Washington, DC | DC-MD | 22 | 52/100 |
| Lakeland | FL | 21 | 52/100 |
| Ocala, FL | FL | 13 | 46/100 |
| New York | NY-NJ | 12 | 41/100 |
| West Palm Beach | FL | 11 | 42/100 |
| Newark, NJ | NJ | 10 | 40/100 |

## Frequently Asked Questions

### What loan types does MY MORTGAGE, INC. offer?

MY MORTGAGE, 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 MY MORTGAGE, INC. offer mortgages?

MY MORTGAGE, INC. offers mortgages in 17 states: CA, CO, CT, DC, DE, FL, GA, MD, NC, NE, NJ, PA, SC, TN, TX, VA, WV.

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

MY MORTGAGE, INC. has a pricing score of 10/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.837% above market average.

### What type of lender is MY MORTGAGE, INC.?

MY MORTGAGE, INC. is a non-depository lender that specializes in mortgage origination, headquartered in PASADENA, MD.

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

MY MORTGAGE, INC. has a pull-through score of 69/100 (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/my-mortgage

### How to Cite

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

---

**[View Interactive Profile →](https://saferate.com/lenders/my-mortgage)**