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Mde Home Loans

Independent Mortgage Company•Tinton Falls, NJHQ•Direct•Reviews near you on Google

Mde Home Loans has 306 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Multi-Region · 7 mkts
Safe Rate Awards
Refinance Superstar
Refinance
Superstar

Explore another lender or local market

Report Card

Mde Home Loans performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+16.8 bps above market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Strong
Top 40% of lenders
VA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 7 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume240
Mix78.4%
Spread
+0.140%Above
Fees
$1,518Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume37
Mix12.1%
Spread
+0.545%Above
Fees
$3,669Fees
VA Loans
Overall
Strong
Product
Sound
Pricing—
Pull Through
Strong
Volume20
Mix6.5%
Spread
-0.068%Below
Fees
$4,420Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume263
Mix85.9%
Spread
+0.198%Above
Fees
$2,506Fees
Refinance
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Strong
Volume43
Mix14.1%
Spread
+0.031%Above
Fees
$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
markets with activity
States Served
11
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

11
11 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast2
NJPA
South9
ALDEFLMDNCSCTNTXVA

Top Metro Areas by Place Specialization Score

1© Dough4872 · Public domain
Montgomery County, PAMetro
Volume 83Mix 27.12% of portfolio
74/100
Strong
2© Jeffrey Hayes · CC BY 2.0
Harrisburg, PAMetro
Volume 46Mix 15.03% of portfolio
70/100
Strong
3© Randolph Carney · CC BY-SA 3.0
Lancaster, PAMetro
Volume 39Mix 12.75% of portfolio
69/100
Strong
4© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 29Mix 9.48% of portfolio
60/100
Strong
5© Smallbones · CC0
York, PAMetro
Volume 27Mix 8.82% of portfolio
57/100
Sound
6© Bjoertvedt · CC BY-SA 4.0
Wilmington, DEMetro
Volume 21Mix 6.86% of portfolio
53/100
Sound
7© w_lemay · CC BY-SA 2.0
Dover, DEMetro
Volume 13Mix 4.25% of portfolio
50/100
Sound

Top States by Place Specialization Score

Pennsylvania
Pennsylvania
1
PennsylvaniaState
Volume 203Mix 66.34% of portfolio
75/100
Strong
Delaware
Delaware
2
DelawareState
Volume 35Mix 11.44% of portfolio
59/100
Sound
Maryland
Maryland
3
MarylandState
Volume 33Mix 10.78% of portfolio
54/100
Sound
New Jersey
New Jersey
4
New JerseyState
Volume 16Mix 5.23% of portfolio
46/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
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 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
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.