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Millennium Financial Group

Independent Mortgage Company•Middletown, MDHQ•Direct•Reviews near you on Google

Millennium Financial Group has 218 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
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 4 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Millennium Financial Group performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+28.2 bps above market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Acceptable
Bottom 40% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 5 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume151
Mix69.3%
Spread
+0.235%Above
Fees
$2,419Fees
FHA Loans
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Strong
Volume51
Mix23.4%
Spread
+0.596%Above
Fees
$2,677Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Sound
Pricing
Sound
Pull Through
Sound
Volume181
Mix83.0%
Spread
+0.333%Above
Fees
$2,507Fees
Refinance
Overall
Sound
Product
Acceptable
Pricing
Sound
Pull Through
Strong
Volume37
Mix17.0%
Spread
+0.080%Above
Fees
$2,288Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
218
Applications
260
Volume
$57 million
Pricing & Closing
Avg Rate Spread
+0.282%
vs. market APOR
Avg Net Fees
$2,463
Origination − Credits
Pullthrough Rate
83.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$265,046
Avg Borrower Income
$121,234
Avg Property Value
$343,486

Geographic Coverage

Geographic Performance

Metro Areas
4
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7
7 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
South6
GAMDNCSCVAWV

Top Metro Areas by Place Specialization Score

1© Vpuliva · Public domain
Hagerstown, MD-WVMetro
Volume 39Mix 17.89% of portfolio
70/100
Strong
2© Edward Beyer · Public domain
Winchester, VA, VA-WVMetro
Volume 14Mix 6.42% of portfolio
58/100
Sound
3© Ad Meskens · CC BY-SA 3.0
Washington, DC, DC-MDMetro
Volume 21Mix 9.63% of portfolio
56/100
Sound
4© Preservation Maryland · CC BY-SA 2.0
Frederick, MDMetro
Volume 17Mix 7.80% of portfolio
53/100
Sound

Top States by Place Specialization Score

Maryland
Maryland
1
MarylandState
Volume 149Mix 68.35% of portfolio
73/100
Strong
West Virginia
West Virginia
2
West VirginiaState
Volume 35Mix 16.06% of portfolio
62/100
Strong
Pennsylvania
Pennsylvania
3
PennsylvaniaState
Volume 23Mix 10.55% of portfolio
49/100
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.