What loan types does MILEND, INC. offer?

MILEND, INC. offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing score and performance metrics.

Where does MILEND, INC. offer mortgages?

MILEND, INC. offers mortgages in 14 states: AL, FL, GA, IN, MA, MD, MI, MN, NC, OH, PA, SC, TN, VA.

How competitive are MILEND, INC.'s mortgage rates?

MILEND, INC. has an overall pricing score of 8.7/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MILEND, INC.?

MILEND, INC. is a Independent Mortgage Company headquartered in Alpharetta, GA.

Unclaimed

Milend, Inc.

Independent Mortgage Company•Alpharetta, GA•Direct to Consumer

We analyzed every closed loan from Milend — 1.4k loans across 5k applications— and benchmarked them against peer lenders across the 4 Ps of Mortgage Shopping.

Pricing

Mediocre

vs. all lenders

Pull Through

Acceptable

closing strength

Products

Strong

FHA · Conventional · VA

Place

Sound

Multi-Region · 28 mkts

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Safe Rate's Summary

What They Do Well

Particularly strong in FHA and VA loans

Things to Think About

Pricing may be below industry average
Higher than average fees ($5,077)
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Milend, Inc. performance at a glance

Category	Score	vs. Peers
Overall Performance· Pricing & closing strength
Pricing Rate competitiveness	Mediocre	Below peers +47.5 bps above market avg
Pull Through Closing strength	Acceptable	Near industry average Bottom 40% 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	Strong	Highly Competitive Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase	Acceptable	Near industry average Bottom 40% of lenders
Refinance	Strong	Highly Competitive Top 40% of lenders
By Location· Geographic coverage
Geographic Reach Coverage footprint	Sound	Industry Standard Top 60% of lenders Multi-Regional29 markets

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Sound	Mediocre	Acceptable	331	23.6%	+0.382%Above	$4,372Fees
FHA Loans	Acceptable	Strong	Mediocre	Sound	890	63.6%	+0.563%Above	$5,229Fees
VA Loans	Acceptable	Strong	Mediocre	Sound	176	12.6%	+0.146%Above	$6,701Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	128	9.1%	+0.396%Above	$3,952Fees
Refinance	Acceptable	Strong	Mediocre	Acceptable	1,272	90.9%	+0.501%Above	$5,444Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

1,400

Applications

4,720

Volume

$383 million

Pricing & Closing

Avg Rate Spread

+0.475%

vs. market APOR

Avg Net Fees

$5,077

Origination − Credits

Pullthrough Rate

29.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$273,814

Avg Borrower Income

$99,386

Avg Property Value

$371,779

Geographic Coverage

Geographic Performance

Metro Areas

States Served

We count Washington DC as a state

Avg Place Specialization

Sound

States with Loan Originations

ALFLGAINMAMDMIMNNCOHPASCTNVA

Top Metro Areas by Place Specialization Score

Atlanta, GAMSA

Volume: 258Mix: 18.43%of portfolio

Place

Strong

Marietta, GA, GAMSA

Volume: 92Mix: 6.57%of portfolio

Place

Strong

Charlotte, NC-SCMSA

Volume: 48Mix: 3.43%of portfolio

Place

Sound

Virginia Beach, VA-NCMSA

Volume: 40Mix: 2.86%of portfolio

Place

Sound

Richmond, VA, VAMSA

Volume: 34Mix: 2.43%of portfolio

Place

Sound

Birmingham, AL, ALMSA

Volume: 27Mix: 1.93%of portfolio

Place

Sound

Montgomery County, PAMSA

Volume: 23Mix: 1.64%of portfolio

Place

Sound

Jacksonville, FL, FLMSA

Volume: 22Mix: 1.57%of portfolio

Place

Sound

Augusta, GA-SCMSA

Volume: 17Mix: 1.21%of portfolio

Place

Sound

Nashville, TNMSA

Volume: 23Mix: 1.64%of portfolio

Place

Sound

Showing 10 of 28 metro areas

Top States by Place Specialization Score

GAState

Volume: 476Mix: 34.00%of portfolio

Place

Strong

VAState

Volume: 137Mix: 9.79%of portfolio

Place

Strong

ALState

Volume: 95Mix: 6.79%of portfolio

Place

Strong

NCState

Volume: 153Mix: 10.93%of portfolio

Place

Strong

TNState

Volume: 104Mix: 7.43%of portfolio

Place

Strong

PAState

Volume: 96Mix: 6.86%of portfolio

Place

Strong

FLState

Volume: 126Mix: 9.00%of portfolio

Place

Sound

SCState

Volume: 48Mix: 3.43%of portfolio

Place

Sound

OHState

Volume: 54Mix: 3.86%of portfolio

Place

Sound

MAState

Volume: 33Mix: 2.36%of portfolio

Place

Sound

Showing 10 of 14 states

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.