What loan types does MLD Mortgage offer?

MLD Mortgage offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, usda. Each product has its own pricing score and performance metrics.

Where does MLD Mortgage offer mortgages?

MLD Mortgage offers mortgages in 38 states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MS, NC, NH, NJ, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WI, WV.

How competitive are MLD Mortgage's mortgage rates?

MLD Mortgage has an overall pricing score of 48.1/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is MLD Mortgage?

MLD Mortgage is a Independent Mortgage Company headquartered in Florham Park, NJ.

Unclaimed

MLD Mortgage

Independent Mortgage Company•Florham Park, NJHQ•Direct•Reviews near you on Google

We analyzed every closed loan from MLD Mortgage — 2.7k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Sound

3/5

vs. all lenders

Pull-through

Exceptional

5/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo · USDA

Place

Sound

3/5

Near-National · 37 mkts

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

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

Explore another lender or local market

Report Card

MLD Mortgage performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Sound

+21.8 bps above market avg

Pull Through

Closing strength

Exceptional

Top 20% of lenders

By Loan Product· Specialization by type

Conventional

Strong

Top 40% of lenders

FHA

Exceptional

Top 20% of lenders

Strong

Top 40% of lenders

Jumbo

Sound

Top 60% of lenders

USDA

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Near-National · 38 markets

Sound

Top 60% of lenders

Loan Product Performance

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%Above	$2,345Fees
FHA Loans	Strong	Exceptional	Sound	Strong	646	23.9%	+0.518%Above	$2,716Fees
VA Loans	Strong	Strong	Strong	Strong	194	7.2%	-0.467%Below	$1,726Fees
Jumbo Loans	Acceptable	Sound	—	Acceptable	18	0.7%	+0.401%Above	$1,977Fees
USDA Loans	Strong	Strong	—	Sound	22	0.8%	+0.619%Above	$2,142Fees

Conventional

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume1,828

Mix67.5%

Spread

+0.169%Above

Fees

$2,345Fees

FHA Loans

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume646

Mix23.9%

Spread

+0.518%Above

Fees

$2,716Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume194

Mix7.2%

Spread

-0.467%Below

Fees

$1,726Fees

Jumbo Loans

Overall

Acceptable

Product

Sound

Pricing—

Pull Through

Acceptable

Volume18

Mix0.7%

Spread

+0.401%Above

Fees

$1,977Fees

USDA Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through

Sound

Volume22

Mix0.8%

Spread

+0.619%Above

Fees

$2,142Fees

Loan Purpose Performance

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%Above	$2,445Fees
Refinance	Sound	Strong	Sound	Strong	315	11.6%	+0.096%Above	$2,036Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Sound

Pull Through

Strong

Volume2,393

Mix88.4%

Spread

+0.236%Above

Fees

$2,445Fees

Refinance

Overall

Sound

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume315

Mix11.6%

Spread

+0.096%Above

Fees

$2,036Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

2,708

Applications

3,573

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.218%

vs. market APOR

Avg Net Fees

$2,393

Origination − Credits

Pullthrough Rate

75.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$373,309

Avg Borrower Income

$141,163

Avg Property Value

$481,171

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast8

CTMEMANHNJNYPARI

Midwest7

IAILINMIMNOHWI

South15

ALARDEFLGAKYMDMSNCOKSCTNTXVAWV

West8

AZCACOHIIDNVORWA

Top Metro Areas by Place Specialization Score

1© Famartin at English Wikipedia · CC BY 3.0

Trenton, NJMetro

Volume 120Mix 4.43% of portfolio

90/100

Exceptional

2© MARELBU · CC BY 3.0

Oklahoma City, OKMetro

Volume 376Mix 13.88% of portfolio

87/100

Exceptional

3© Unknown · CC BY-SA 2.5

Peoria, ILMetro

Volume 236Mix 8.71% of portfolio

82/100

Exceptional

4© Unknown · CC BY-SA 3.0

Oxnard, CAMetro

Volume 118Mix 4.36% of portfolio

79/100

Strong

Chicago, ILMetro

Volume 213Mix 7.87% of portfolio

70/100

Strong

Camden, NJMetro

Volume 104Mix 3.84% of portfolio

69/100

Strong

Oakland, CAMetro

Volume 100Mix 3.69% of portfolio

68/100

Strong

Bakersfield, CAMetro

Volume 78Mix 2.88% of portfolio

68/100

Strong

Lakewood, NJMetro

Volume 101Mix 3.73% of portfolio

68/100

Strong

Visalia, CAMetro

Volume 49Mix 1.81% of portfolio

64/100

Strong

Showing 10 of 37 metro areas

Top States by Place Specialization Score

New JerseyState

Volume 459Mix 16.95% of portfolio

81/100

Exceptional

OklahomaState

Volume 404Mix 14.92% of portfolio

79/100

Strong

IllinoisState

Volume 526Mix 19.42% of portfolio

79/100

Strong

CaliforniaState

Volume 517Mix 19.09% of portfolio

71/100

Strong

WashingtonState

Volume 154Mix 5.69% of portfolio

67/100

Strong

DelawareState

Volume 53Mix 1.96% of portfolio

59/100

Sound

MassachusettsState

Volume 77Mix 2.84% of portfolio

58/100

Sound

TexasState

Volume 112Mix 4.14% of portfolio

55/100

Sound

IowaState

Volume 42Mix 1.55% of portfolio

52/100

Sound

MarylandState

Volume 37Mix 1.37% of portfolio

50/100

Sound

Showing 10 of 22 states

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.