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Mde Home Loans, LLC

Independent Mortgage CompanyTINTON FALLS, NJDirect to Consumer

Mde Home Loans has 306 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Sound
closing strength
Products
Strong
FHA · Conventional · VA
Place
Strong
Multi-Region · 7 mkts
Safe Rate AwardsRefinance Superstar

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Report Card

Mde Home Loans, LLC performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+16.8 bps above market avg
Pull Through
Closing strength
Sound
Industry Standard
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Industry Standard
Top 60% of lenders
FHA
Strong
Highly Competitive
Top 40% of lenders
VA
Sound
Industry Standard
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Industry Standard
Top 60% of lenders
Refinance
Sound
Industry Standard
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Multi-Regional7 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Sound
Sound
Sound
Sound
24078.4%
+0.140%Above
$1,518Fees
FHA Loans
Sound
Strong
Acceptable
Strong
3712.1%
+0.545%Above
$3,669Fees
VA Loans
Sound
Sound
Strong
206.5%
-0.068%Below
$4,420Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Sound
Sound
Sound
26385.9%
+0.198%Above
$2,506Fees
Refinance
Strong
Sound
Strong
Strong
4314.1%
+0.031%Above
$1,307Credit

At a Glance

Lender Overview

Lending Activity
Loans Originated
306
Applications
415
Volume
$167 million
Pricing & Closing
Avg Rate Spread
+0.168%
vs. market APOR
Avg Net Fees
$1,824
Origination − Credits
Pullthrough Rate
73.7%
Applications → Closed
Typical Borrower
Avg Loan Amount
$545,752
Avg Borrower Income
$190,500
Avg Property Value
$700,784

Geographic Coverage

Geographic Performance

Metro Areas
7
States Served
11
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

ALDEFLMDNCNJPASCTNTXVA

Top Metro Areas by Place Specialization Score

1
Montgomery County, PAMSA
Volume: 83Mix: 27.12%of portfolio
Place
Strong
2
Harrisburg, PAMSA
Volume: 46Mix: 15.03%of portfolio
Place
Strong
3
Lancaster, PA, PAMSA
Volume: 39Mix: 12.75%of portfolio
Place
Strong
4
Frederick, MDMSA
Volume: 29Mix: 9.48%of portfolio
Place
Strong
5
York, PAMSA
Volume: 27Mix: 8.82%of portfolio
Place
Sound
6
Wilmington, DEMSA
Volume: 21Mix: 6.86%of portfolio
Place
Sound
7
Dover, DE, DEMSA
Volume: 13Mix: 4.25%of portfolio
Place
Sound

Top States by Place Specialization Score

1
PAState
Volume: 203Mix: 66.34%of portfolio
Place
Strong
2
DEState
Volume: 35Mix: 11.44%of portfolio
Place
Sound
3
MDState
Volume: 33Mix: 10.78%of portfolio
Place
Sound
4
NJState
Volume: 16Mix: 5.23%of portfolio
Place
Sound

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.