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MLD MORTGAGE INC.
Independent Mortgage Company|Florham Park, NJ|Near-National
Loans Originated
2,708
Applications
3,573
Volume
$1 billion
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Sound
Overall Pull Through
Exceptional
Safe Rate Awards⭐Conventional Superstar⭐FHA Superstar⭐VA Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.218%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,393
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
75.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and USDA loans
- Nationwide availability with consistent service
Report Card
MLD MORTGAGE INC. performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Sound | Industry Standard | |
Pull Through Closing Strength | Exceptional | Market Leader | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Strong | Highly Competitive | |
FHA | Exceptional | Market Leader | |
VA | Strong | Highly Competitive | |
Jumbo | Sound | Industry Standard | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Exceptional | Market Leader | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Near-National · 38 metro areas · 38 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$373,309
Average Borrower Income
$141,163
Average Property Value
$481,171
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Strong | Sound | Strong | 1,828 | 67.5% | +0.169% | $2,345 |
FHA Loans | Strong | Exceptional | Sound | Strong | 646 | 23.9% | +0.518% | $2,716 |
VA Loans | Strong | Strong | Strong | Strong | 194 | 7.2% | -0.467% | $1,726 |
Jumbo Loans | Acceptable | Sound | N/A | Acceptable | 18 | 0.7% | +0.401% | $1,977 |
USDA Loans | Sound | Strong | N/A | Sound | 22 | 0.8% | +0.619% | $2,142 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Exceptional | Sound | Strong | 2,393 | 88.4% | +0.236% | $2,445 |
Refinance | Strong | Strong | Sound | Strong | 315 | 11.6% | +0.096% | $2,036 |
Geographic Coverage
Metro Areas
37
States Served
38
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALARAZCACOCTDEFLGAHIIAIDILINKYMAMDMEMIMNMSNCNHNJNVNYOHOKORPARISCTNTXVAWAWIWV
Top Metro Areas by Place Specialization Score
1
Trenton, NJMSA
Volume: 120Mix: 4.43%
Place Specialization
Exceptional
2
Oklahoma City, OK, OKMSA
Volume: 376Mix: 13.88%
Place Specialization
Exceptional
3
Peoria, IL, ILMSA
Volume: 236Mix: 8.71%
Place Specialization
Exceptional
4
Oxnard, CAMSA
Volume: 118Mix: 4.36%
Place Specialization
Strong
5
Chicago, ILMSA
Volume: 213Mix: 7.87%
Place Specialization
Strong
6
Camden, NJ, NJMSA
Volume: 104Mix: 3.84%
Place Specialization
Strong
7
Oakland, CAMSA
Volume: 100Mix: 3.69%
Place Specialization
Strong
8
Bakersfield, CAMSA
Volume: 78Mix: 2.88%
Place Specialization
Strong
9
Lakewood, NJMSA
Volume: 101Mix: 3.73%
Place Specialization
Strong
10
Visalia, CA, CAMSA
Volume: 49Mix: 1.81%
Place Specialization
Strong
Showing 10 of 37 metro areas
Top States by Place Specialization Score
1
NJState
Volume: 459Mix: 16.95%
Place Specialization
Exceptional
2
OKState
Volume: 404Mix: 14.92%
Place Specialization
Strong
3
ILState
Volume: 526Mix: 19.42%
Place Specialization
Strong
4
CAState
Volume: 517Mix: 19.09%
Place Specialization
Strong
5
WAState
Volume: 154Mix: 5.69%
Place Specialization
Strong
6
DEState
Volume: 53Mix: 1.96%
Place Specialization
Sound
7
MAState
Volume: 77Mix: 2.84%
Place Specialization
Sound
8
TXState
Volume: 112Mix: 4.14%
Place Specialization
Sound
9
IAState
Volume: 42Mix: 1.55%
Place Specialization
Sound
10
MDState
Volume: 37Mix: 1.37%
Place Specialization
Sound
Showing 10 of 22 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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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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