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ML Mortgage

Independent Mortgage Company•Rancho Cucamonga, CAHQ•Direct & Wholesale•Reviews near you on Google

We analyzed every closed loan from ML Mortgage — 730 loans across 1k applications— and benchmarked them against peer lenders 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
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 12 mkts

Safe Rate Summary

What They Do Well

  • Strong pull through performance
  • Particularly strong in FHA and VA loans

Things to Think About

  • Rates typically 61 basis points above market average
  • Higher than average fees ($4,642)

Explore another lender or local market

Report Card

ML Mortgage performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+60.8 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
Strong
Top 40% of lenders
VA
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Acceptable
Product
Sound
Pricing
Mediocre
Pull Through
Sound
Volume363
Mix49.7%
Spread
+0.574%Above
Fees
$4,967Fees
FHA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Strong
Volume325
Mix44.5%
Spread
+0.725%Above
Fees
$4,347Fees
VA Loans
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume35
Mix4.8%
Spread
-0.153%Below
Fees
$4,410Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Mediocre
Pull Through
Sound
Volume623
Mix85.3%
Spread
+0.656%Above
Fees
$4,793Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Acceptable
Pull Through
Sound
Volume107
Mix14.7%
Spread
+0.351%Above
Fees
$3,834Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
730
Applications
1,020
Volume
$344 million
Pricing & Closing
Avg Rate Spread
+0.608%
vs. market APOR
Avg Net Fees
$4,642
Origination − Credits
Pullthrough Rate
71.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$472,438
Avg Borrower Income
$155,945
Avg Property Value
$582,041

Geographic Coverage

Geographic Performance

Metro Areas
12
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

13
13 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast1
PA
Midwest1
IN
South4
FLSCTNTX
West7
AZCACOHINVORWA

Top Metro Areas by Place Specialization Score

1© Johnwayne Stroud · CC BY-SA 3.0
Riverside, CAMetro
Volume 333Mix 45.62% of portfolio
81/100
Exceptional
2© Roman Eugeniusz · CC BY-SA 3.0
Las Vegas, NVMetro
Volume 87Mix 11.92% of portfolio
69/100
Strong
3© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 87Mix 11.92% of portfolio
65/100
Strong
4© Unknown · CC BY-SA 3.0
Oxnard, CAMetro
Volume 26Mix 3.56% of portfolio
57/100
Sound
5© MARELBU · CC BY 3.0
Santa Cruz, CAMetro
Volume 13Mix 1.78% of portfolio
48/100
Sound
6© David Daniel Turner · CC BY 4.0
Houston, TXMetro
Volume 24Mix 3.29% of portfolio
47/100
Sound
7© BrendelSignature at English Wikipedia · CC BY-SA 3.0
Salinas, CAMetro
Volume 11Mix 1.51% of portfolio
46/100
Sound
8© André Regius · CC BY-SA 3.0
Anaheim, CAMetro
Volume 15Mix 2.05% of portfolio
46/100
Sound
9© DPPed · CC BY-SA 3.0
Phoenix, AZMetro
Volume 17Mix 2.33% of portfolio
44/100
Sound
10© Bernard Gagnon · CC BY-SA 3.0
San Diego, CAMetro
Volume 14Mix 1.92% of portfolio
44/100
Sound
Showing 10 of 12 metro areas

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 546Mix 74.79% of portfolio
76/100
Strong
Nevada
Nevada
2
NevadaState
Volume 88Mix 12.05% of portfolio
68/100
Strong
Texas
Texas
3
TexasState
Volume 46Mix 6.30% of portfolio
49/100
Sound
Arizona
Arizona
4
ArizonaState
Volume 22Mix 3.01% 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.