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MHL

Milestone Home Lending

Independent Mortgage CompanyWilmington, DEHQDirectReviews near you on Google

Milestone Home Lending has 271 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
Mediocre
1/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Strong
4/5
Regional · 2 mkts

Safe Rate Summary

What They Do Well

  • Particularly strong in FHA and VA loans

Things to Think About

  • Rates typically 63 basis points above market average

Explore another lender or local market

Report Card

Milestone Home Lending performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+63.0 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
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 2 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume167
Mix61.6%
Spread
+0.625%Above
Fees
$3,291Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Acceptable
Pull Through
Strong
Volume79
Mix29.2%
Spread
+0.850%Above
Fees
$3,429Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume24
Mix8.9%
Spread
+0.046%Above
Fees
$3,265Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume262
Mix96.7%
Spread
+0.625%Above
Fees
$3,323Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
271
Applications
377
Volume
$76 million
Pricing & Closing
Avg Rate Spread
+0.630%
vs. market APOR
Avg Net Fees
$3,324
Origination − Credits
Pullthrough Rate
71.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$282,085
Avg Borrower Income
$117,635
Avg Property Value
$326,255

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4
4 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest3
ILINMI
South1
FL

Top Metro Areas by Place Specialization Score

1© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 235Mix 86.72% of portfolio
83/100
Exceptional
2© Yahala · CC BY-SA 3.0
Bloomington, INMetro
Volume 14Mix 5.17% of portfolio
50/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 268Mix 98.89% of portfolio
77/100
Strong

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.