Mld Mortgage Rates, Fees & Info

Florham Park, NJ

LEI: 549300AG10BX85DF5S49

Tax ID: 22-3747694

4.9 stars - out of 5 stars, based on 81 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

Mld Mortgage is a small mortgage company specializing in Refi and Home Purchase loans. Mld Mortgage has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets include New York, Oxnard, Los Angeles, Boston, and Bakersfield among others. Mld Mortgage has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. Mld Mortgage is typically an average fee lendor.


Originations

6,575

Origination Dollar Volume (All Markets)

$2,452,345,000
Show all (32) awards

Relative Rate

Mld Mortgage 's average 30 year fixed rate mortgage of loans were 2.96%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.19%.

Relative Fees

Mld Mortgage 's average total fees for a 30 year fixed rate mortgage are $5,444.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 1,511 $596,645,000 $394,868 $4,316 2.66%
OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) 989 $467,455,000 $472,654 $5,329 2.91%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 522 $258,530,000 $495,268 $5,526 2.94%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 257 $107,855,000 $419,669 $2,921 2.70%
BAKERSFIELD, CA (FHA|USDA|VA) 337 $82,965,000 $246,187 $5,792 2.91%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 194 $73,850,000 $380,670 $4,804 2.83%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 190 $72,160,000 $379,789 $6,439 2.79%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 124 $66,060,000 $532,742 $9,078 2.95%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 215 $62,775,000 $291,977 $4,491 2.79%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 156 $53,830,000 $345,064 $5,328 2.97%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 133 $50,365,000 $378,684 $3,921 2.60%
VISALIA, CA (FHA|USDA|VA) 194 $45,880,000 $236,495 $5,250 2.99%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 163 $41,055,000 $251,871 $3,851 2.91%
ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) 135 $27,855,000 $206,333 $5,245 2.94%
MADERA, CA (FHA|USDA|VA) 114 $25,850,000 $226,754 $5,348 2.83%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 84 $25,390,000 $302,262 $3,698 2.79%
RALEIGH-CARY, NC (FHA|USDA|VA) 70 $24,150,000 $345,000 $2,987 2.61%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 51 $18,695,000 $366,569 $2,857 2.44%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 49 $15,695,000 $320,306 $4,956 2.87%
San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 29 $14,295,000 $492,931 $3,649 2.88%
FRESNO, CA (FHA|USDA|VA) 52 $14,220,000 $273,462 $4,772 2.92%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 32 $13,830,000 $432,188 $3,930 2.95%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 48 $13,090,000 $272,708 $4,866 2.95%
SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 28 $12,490,000 $446,071 $3,983 2.78%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 41 $12,345,000 $301,098 $4,029 3.12%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 45 $11,695,000 $259,889 $5,175 3.07%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 33 $10,845,000 $328,636 $7,702 2.84%
RICHMOND, VA (FHA|USDA|VA) 27 $8,905,000 $329,815 $4,439 2.83%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 27 $8,725,000 $323,148 $5,709 2.84%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 31 $8,065,000 $260,161 $4,668 2.86%
MERCED, CA (FHA|USDA|VA) 20 $7,680,000 $384,000 $5,114 3.18%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 20 $7,660,000 $383,000 $4,223 2.81%
BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) 18 $7,260,000 $403,333 $3,799 2.78%
Outside of Metro Areas 30 $6,790,000 $226,333 $5,063 2.95%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 20 $6,390,000 $319,500 $4,540 2.95%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 22 $5,910,000 $268,636 $4,314 2.81%
WORCESTER, MA-CT (FHA|USDA|VA) 15 $5,725,000 $381,667 $4,239 2.84%
ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) 21 $5,645,000 $268,810 $6,693 2.93%
URBAN HONOLULU, HI (FHA|USDA|VA) 11 $5,575,000 $506,818 $7,664 2.70%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 17 $5,475,000 $322,059 $3,997 2.81%
ST. LOUIS, MO-IL (FHA|USDA|VA) 19 $5,135,000 $270,263 $3,036 2.68%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 22 $5,050,000 $229,545 $4,903 3.16%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 20 $4,900,000 $245,000 $4,104 2.94%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 13 $4,745,000 $365,000 $3,916 2.94%
KANSAS CITY, MO-KS (FHA|USDA|VA) 17 $4,525,000 $266,176 $2,724 2.65%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 15 $4,515,000 $301,000 $4,943 3.13%
TUCSON, AZ (FHA|USDA|VA) 11 $3,625,000 $329,545 $5,984 3.15%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 7 $3,575,000 $510,714 $3,945 2.70%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 9 $3,365,000 $373,889 $3,290 2.55%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 12 $2,850,000 $237,500 $4,704 3.17%
OCEAN CITY, NJ (FHA|USDA|VA) 7 $2,715,000 $387,857 $6,047 2.99%
Kapaa, HI (FHA|USDA|VA) 4 $2,630,000 $657,500 $5,161 3.13%
PITTSBURGH, PA (FHA|USDA|VA) 8 $2,560,000 $320,000 $4,636 2.52%
SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) 6 $2,490,000 $415,000 $3,746 2.83%
JACKSONVILLE, FL (FHA|USDA|VA) 6 $2,440,000 $406,667 $6,739 2.85%
NEW HAVEN-MILFORD, CT (FHA|USDA|VA) 7 $2,325,000 $332,143 $3,047 3.09%
APPLETON, WI (FHA|USDA|VA) 10 $2,280,000 $228,000 $3,329 2.87%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 9 $2,215,000 $246,111 $3,599 2.63%
MANCHESTER-NASHUA, NH (FHA|USDA|VA) 9 $2,145,000 $238,333 $2,700 2.76%
BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) 7 $2,105,000 $300,714 $5,548 2.83%
HARRISBURG-CARLISLE, PA (FHA|USDA|VA) 6 $1,850,000 $308,333 $4,298 2.94%
SALINAS, CA (FHA|USDA|VA) 3 $1,835,000 $611,667 $6,445 2.88%
EAST STROUDSBURG, PA (FHA|USDA|VA) 7 $1,835,000 $262,143 $5,362 2.91%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 9 $1,775,000 $197,222 $3,883 3.18%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 6 $1,740,000 $290,000 $4,858 2.71%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,615,000 $323,000 $4,745 2.63%
Outside of Metro Areas 3 $1,595,000 $531,667 $4,060 3.13%
LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) 4 $1,560,000 $390,000 $6,511 3.00%
ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 5 $1,485,000 $297,000 $7,159 2.60%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 6 $1,470,000 $245,000 $4,052 2.83%
BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) 4 $1,340,000 $335,000 $4,231 2.69%
YORK-HANOVER, PA (FHA|USDA|VA) 5 $1,315,000 $263,000 $6,653 2.45%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 5 $1,295,000 $259,000 $5,187 2.85%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 3 $1,285,000 $428,333 $4,515 2.75%
Shelton, WA (FHA|USDA|VA) 4 $1,270,000 $317,500 $3,252 3.06%
LANCASTER, PA (FHA|USDA|VA) 4 $1,210,000 $302,500 $5,548 2.69%
COLUMBIA, SC (FHA|USDA|VA) 4 $1,190,000 $297,500 $3,136 2.63%
VALLEJO, CA (FHA|USDA|VA) 3 $1,115,000 $371,667 $5,550 3.33%
COLUMBUS, OH (FHA|USDA|VA) 5 $1,095,000 $219,000 $5,602 2.90%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 6 $1,090,000 $181,667 $4,173 2.52%
HANFORD-CORCORAN, CA (FHA|USDA|VA) 5 $1,065,000 $213,000 $4,460 3.20%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 4 $1,060,000 $265,000 $6,661 2.81%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 5 $1,045,000 $209,000 $6,017 2.68%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $1,025,000 $341,667 $4,823 2.50%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $1,020,000 $510,000 $3,600 3.19%
NILES, MI (FHA|USDA|VA) 2 $970,000 $485,000 $3,626 2.75%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 3 $895,000 $298,333 $4,684 2.71%
Sandpoint, ID (FHA|USDA|VA) 2 $880,000 $440,000 $0 3.19%
SALISBURY, MD-DE (FHA|USDA|VA) 3 $865,000 $288,333 $7,176 2.71%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 4 $860,000 $215,000 $6,828 2.72%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $825,000 $275,000 $2,534 3.33%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $820,000 $410,000 $5,427 2.88%
Kill Devil Hills, NC (FHA|USDA|VA) 2 $810,000 $405,000 $0 2.88%
PINE BLUFF, AR (FHA|USDA|VA) 3 $805,000 $268,333 $3,887 2.67%
WILMINGTON, NC (FHA|USDA|VA) 2 $800,000 $400,000 $4,235 2.88%
RENO, NV (FHA|USDA|VA) 2 $800,000 $400,000 $3,776 3.13%
ASHEVILLE, NC (FHA|USDA|VA) 3 $785,000 $261,667 $3,108 3.25%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 2 $780,000 $390,000 $5,078 2.94%
Oak Harbor, WA (FHA|USDA|VA) 2 $780,000 $390,000 $4,452 2.94%
BOISE CITY, ID (FHA|USDA|VA) 3 $755,000 $251,667 $4,344 3.58%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 3 $745,000 $248,333 $4,341 3.04%
Hilo, HI (FHA|USDA|VA) 3 $675,000 $225,000 $7,400 2.25%
CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) 2 $630,000 $315,000 $9,344 3.25%
LONGVIEW, WA (FHA|USDA|VA) 2 $620,000 $310,000 $2,933 2.69%
BURLINGTON, NC (FHA|USDA|VA) 2 $580,000 $290,000 $2,347 3.13%
KNOXVILLE, TN (FHA|USDA|VA) 2 $570,000 $285,000 $5,180 3.13%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $560,000 $280,000 $5,570 2.38%
BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) 3 $555,000 $185,000 $4,519 3.25%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $545,000 $545,000 $9,773 3.38%
STOCKTON, CA (FHA|USDA|VA) 1 $545,000 $545,000 $3,040 2.99%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $535,000 $535,000 $3,993 3.38%
SPRINGFIELD, MA (FHA|USDA|VA) 2 $530,000 $265,000 $0 3.29%
WINSTON-SALEM, NC (FHA|USDA|VA) 2 $520,000 $260,000 $3,415 2.94%
WINCHESTER, VA-WV (FHA|USDA|VA) 2 $500,000 $250,000 $8,453 2.31%
GREEN BAY, WI (FHA|USDA|VA) 2 $490,000 $245,000 $6,150 2.63%
AKRON, OH (FHA|USDA|VA) 2 $470,000 $235,000 $3,144 3.50%
LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 2 $470,000 $235,000 $3,704 2.88%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 1 $465,000 $465,000 $4,458 3.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 2 $460,000 $230,000 $7,369 2.44%
YUMA, AZ (FHA|USDA|VA) 2 $450,000 $225,000 $3,898 3.75%
Pullman, WA (FHA|USDA|VA) 2 $440,000 $220,000 $2,643 3.19%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $440,000 $220,000 $4,592 3.88%
VALDOSTA, GA (FHA|USDA|VA) 2 $430,000 $215,000 $8,790 2.31%
Sturgis, MI (FHA|USDA|VA) 1 $425,000 $425,000 $3,858 2.25%
MODESTO, CA (FHA|USDA|VA) 2 $420,000 $210,000 $3,012 2.38%
Paducah, KY-IL (FHA|USDA|VA) 2 $410,000 $205,000 $3,758 3.09%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 2 $410,000 $205,000 $4,906 2.88%
SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) 2 $400,000 $200,000 $3,714 2.38%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 2 $390,000 $195,000 $2,613 2.44%
HUNTSVILLE, AL (FHA|USDA|VA) 2 $380,000 $190,000 $4,222 3.43%
KINGSTON, NY (FHA|USDA|VA) 1 $355,000 $355,000 $5,322 2.75%
Morehead City, NC (FHA|USDA|VA) 1 $355,000 $355,000 $3,886 2.25%
Nogales, AZ (FHA|USDA|VA) 2 $350,000 $175,000 $3,719 2.88%
NORWICH-NEW LONDON, CT (FHA|USDA|VA) 1 $345,000 $345,000 $2,867 2.63%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $345,000 $345,000 $7,855 2.38%
Sanford, NC (FHA|USDA|VA) 1 $335,000 $335,000 $15,187 2.38%
DAYTON-KETTERING, OH (FHA|USDA|VA) 1 $335,000 $335,000 $9,887 3.25%
ANN ARBOR, MI (FHA|USDA|VA) 1 $325,000 $325,000 $9,523 3.00%
Seneca, SC (FHA|USDA|VA) 1 $325,000 $325,000 $3,120 3.13%
MEDFORD, OR (FHA|USDA|VA) 1 $315,000 $315,000 $3,744 2.63%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $310,000 $155,000 $3,407 3.00%
Richmond-Berea, KY (FHA|USDA|VA) 1 $305,000 $305,000 $7,751 3.13%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $305,000 $305,000 $12,372 2.25%
Ruston, LA (FHA|USDA|VA) 1 $305,000 $305,000 $15,353 2.25%
Truckee-Grass Valley, CA (FHA|USDA|VA) 1 $305,000 $305,000 $3,015 2.25%
GREENVILLE, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,541 2.13%
MONTGOMERY, AL (FHA|USDA|VA) 1 $295,000 $295,000 $8,716 2.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,432 3.38%
BARNSTABLE TOWN, MA (FHA|USDA|VA) 2 $290,000 $145,000 $0 3.13%
SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) 1 $285,000 $285,000 $1,747 2.25%
EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) 1 $285,000 $285,000 $0 3.88%
Connersville, IN (FHA|USDA|VA) 1 $275,000 $275,000 $6,074 2.75%
Manitowoc, WI (FHA|USDA|VA) 2 $270,000 $135,000 $4,155 3.31%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 2 $270,000 $135,000 $1,001 2.56%
BATON ROUGE, LA (FHA|USDA|VA) 1 $265,000 $265,000 $7,378 3.13%
Torrington, CT (FHA|USDA|VA) 1 $255,000 $255,000 $0 3.75%
TULSA, OK (FHA|USDA|VA) 1 $245,000 $245,000 $3,869 2.88%
Opelousas, LA (FHA|USDA|VA) 1 $245,000 $245,000 $7,024 2.38%
CHARLOTTESVILLE, VA (FHA|USDA|VA) 2 $240,000 $120,000 $3,492 2.87%
LAFAYETTE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $6,049 3.75%
MONROE, LA (FHA|USDA|VA) 1 $235,000 $235,000 $3,468 2.99%
BOWLING GREEN, KY (FHA|USDA|VA) 1 $235,000 $235,000 $7,152 2.25%
BINGHAMTON, NY (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.50%
ROCHESTER, NY (FHA|USDA|VA) 1 $225,000 $225,000 $4,157 2.88%
LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 1 $225,000 $225,000 $2,478 3.38%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,354 2.25%
LUBBOCK, TX (FHA|USDA|VA) 1 $215,000 $215,000 $7,858 2.38%
HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $215,000 $215,000 $6,073 2.88%
Statesboro, GA (FHA|USDA|VA) 1 $215,000 $215,000 $3,284 3.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $7,392 2.75%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $205,000 $205,000 $7,148 2.38%
DALTON, GA (FHA|USDA|VA) 1 $205,000 $205,000 $6,877 3.25%
Shelby, NC (FHA|USDA|VA) 1 $205,000 $205,000 $0 3.63%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $195,000 $195,000 $6,168 3.88%
Rolla, MO (FHA|USDA|VA) 1 $185,000 $185,000 $3,167 3.00%
Ottawa, IL (FHA|USDA|VA) 1 $185,000 $185,000 $3,968 3.50%
KANKAKEE, IL (FHA|USDA|VA) 1 $185,000 $185,000 $2,608 2.75%
MANHATTAN, KS (FHA|USDA|VA) 1 $175,000 $175,000 $3,366 2.75%
Centralia, WA (FHA|USDA|VA) 1 $165,000 $165,000 $3,462 3.13%
CARSON CITY, NV (FHA|USDA|VA) 1 $165,000 $165,000 $2,516 3.00%
Shawano, WI (FHA|USDA|VA) 1 $155,000 $155,000 $2,790 3.13%
ROCKFORD, IL (FHA|USDA|VA) 1 $155,000 $155,000 $3,648 3.25%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,171 3.25%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $145,000 $145,000 $0 3.38%
Mason City, IA (FHA|USDA|VA) 1 $145,000 $145,000 $5,325 3.50%
Whitewater, WI (FHA|USDA|VA) 1 $145,000 $145,000 $2,715 2.50%
Marinette, WI-MI (FHA|USDA|VA) 1 $145,000 $145,000 $5,968 3.50%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $135,000 $135,000 $2,873 2.25%
Clarksburg, WV (FHA|USDA|VA) 1 $135,000 $135,000 $5,067 3.25%
LONGVIEW, TX (FHA|USDA|VA) 1 $115,000 $115,000 $4,061 2.63%
DANVILLE, IL (FHA|USDA|VA) 1 $115,000 $115,000 $5,373 2.63%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $85,000 $85,000 $3,624 3.00%
Martinsville, VA (FHA|USDA|VA) 1 $85,000 $85,000 $3,420 4.25%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $45,000 $45,000 $2,738 3.25%

Mld Mortgage 's top markets include New York, Oxnard, Los Angeles, Boston, and Bakersfield among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 5,927 $2,229,255,000 $376,119 $4,211 2.82%
FHA 525 $169,755,000 $323,343 $10,419 2.94%
VA 98 $46,180,000 $471,224 $9,732 2.67%
USDA 25 $7,155,000 $286,200 $7,317 2.87%

For the 2021 period, Mld Mortgage 's most frequently originated loan type of loans were Conventional, with 5,927 originations. Their 2nd most popular type is FHA, with 525 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Refi 3,123 $1,156,795,000 $370,411 $3,811 2.68%
Home Purchase 2,098 $830,610,000 $395,906 $6,767 2.99%
Cash Out Refi 1,304 $464,530,000 $356,235 $4,517 2.97%
Other 50 $410,000 $8,200 $254 0.79%

For the 2021, Mld Mortgage 's most frequently cited loan purpose of loans were Refi, with 3,123 originations. The 2nd most popular reason of loans were Home Purchase, with 2,098 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,879 $1,896,595,000 $388,726 $5,444 2.96%
15 Year 1,092 $364,460,000 $333,755 $3,507 2.37%
20 Year 322 $108,810,000 $337,919 $3,368 2.69%
10 Year 165 $46,175,000 $279,848 $3,096 2.27%
Other 110 $36,200,000 $329,091 $3,553 2.77%
5 Year 6 $90,000 $15,000 $0 0.00%
3 Year 1 $15,000 $15,000 $301 0.00%

For the 2021, Mld Mortgage 's most frequently cited loan length of loans were 30 Year, with 4,879 originations. The 2nd most popular length of loans were 15 Year, with 1,092 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$1k-2k 4,157 $1,611,865,000 $387,747
$<1k 544 $172,290,000 $316,710
$2k-3k 438 $155,050,000 $353,995
$3k-4k 293 $116,955,000 $399,164
$5k+ 223 $108,655,000 $487,242

$5,444 of loans were Mld Mortgage 's average total fees, while their most frequently occuring range of origination fees were in the $1k-2k bucket, with 4,157 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 2,853 $1,103,935,000 $386,938
<2.5% 1,834 $658,090,000 $358,828
3-4% 1,823 $669,835,000 $367,436
4-5% 50 $18,630,000 $372,600
5-6% 1 $1,445,000 $1,445,000

During 2021, Mld Mortgage 's average interest rate of loans were 2.96%, while their most frequently originated rate bucket of loans were 2.5-3%, with 2,853 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,079 $931,185,000 $302,431 $4,555 2.83%
$400k-600k 2,054 $1,000,480,000 $487,089 $5,069 2.78%
$100k-200k 798 $127,970,000 $160,363 $3,866 2.94%
$600k-1MM 473 $338,765,000 $716,205 $7,255 3.00%
$100,000 or less 132 $6,130,000 $46,439 $2,264 1.94%
$1MM+ 39 $47,815,000 $1,226,026 $11,646 3.13%

2021 saw Mld Mortgage place emphasis on $200k-400k loans with 3,079 originations, totaling $931,185,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 1,737 $677,675,000 $390,141 $4,778 2.81%
$150k-250k 1,694 $729,600,000 $430,697 $4,344 2.77%
$75k-100k 1,011 $338,805,000 $335,119 $5,391 2.85%
$50k-75k 909 $239,025,000 $262,954 $5,236 2.89%
$250k+ 781 $374,625,000 $479,673 $4,904 2.87%
$50k or less 427 $88,275,000 $206,733 $5,400 2.85%

Mld Mortgage lent most frequently to those with incomes in the $100k-150k range, with 1,737 originations. The second most popular income band? $150k-250k, with 1,694 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 1,349 $504,015,000 $373,621 $3,902 2.70%
30-36% 1,148 $433,260,000 $377,404 $4,426 2.80%
<20% 403 $138,765,000 $344,330 $3,863 2.62%
44% 297 $106,925,000 $360,017 $5,589 2.96%
42% 292 $112,030,000 $383,664 $4,859 2.92%
41% 272 $106,010,000 $389,743 $5,116 2.87%
49% 271 $98,075,000 $361,900 $5,673 2.94%
40% 247 $92,025,000 $372,571 $4,943 2.87%
38% 244 $89,020,000 $364,836 $4,998 2.92%
37% 244 $90,960,000 $372,787 $4,760 2.86%
43% 243 $90,375,000 $371,914 $5,153 2.92%
39% 241 $93,935,000 $389,772 $4,759 2.89%
48% 231 $89,765,000 $388,593 $5,550 2.94%
36% 225 $84,685,000 $376,378 $4,455 2.83%
47% 211 $79,785,000 $378,128 $5,307 2.91%
46% 200 $76,640,000 $383,200 $5,710 2.92%
45% 191 $72,795,000 $381,126 $5,597 2.90%
50-60% 184 $66,060,000 $359,022 $10,527 2.93%
>60% 3 $1,405,000 $468,333 $8,819 2.92%

Mld Mortgage lent most frequently to those with DTI ratios of 20-30%, with 1,349 originations. The next most common DTI ratio? 30-36%, with 1,148 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 3,073 $1,121,075,000 $364,815 $5,427 2.91%
Asian 2,669 $1,024,815,000 $383,970 $3,918 2.72%
Not provided 505 $194,745,000 $385,634 $4,985 2.81%
Black 232 $72,090,000 $310,733 $7,059 2.98%
Native Hawaiian 30 $11,520,000 $384,000 $8,508 2.79%
Asian Indian 20 $8,240,000 $412,000 $3,646 2.48%
American Indian 16 $7,990,000 $499,375 $4,404 3.05%
Chinese 8 $3,300,000 $412,500 $3,565 2.61%
Filipino 7 $2,975,000 $425,000 $6,257 3.05%
Other Asian 7 $2,425,000 $346,429 $2,900 3.14%
Other Pacific Islander 2 $1,260,000 $630,000 $12,397 2.56%
Not applicable 4 $980,000 $245,000 $6,352 2.82%
Japanese 1 $485,000 $485,000 $6,951 2.88%
Samoan 1 $445,000 $445,000 $2,865 2.88%

Approval Rates

Total approvals of all applications
95.69%

Mld Mortgage has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

Pick Rate

Approvals leading to origination
65.76%

Mld Mortgage has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

Points and Fees

Points Originations Total Value Average Loan
NA 6,575 $2,452,345,000 $372,980

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
6,575 $2,452,345,000 $372,980

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 410 $114,480,000 $279,220 $3,548 2.67%
40-60% 1,615 $590,395,000 $365,570 $3,610 2.68%
60-80% 2,795 $1,093,665,000 $391,293 $4,372 2.89%
80-100% 1,632 $632,860,000 $387,782 $6,865 2.96%
Over 100% 27 $14,115,000 $522,778 $16,928 2.82%
Under 20% 96 $6,830,000 $71,146 $2,011 1.48%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
MLD MORTGAGE INC Conventional home mortgage Trouble during payment process 2 66.7%
MLD MORTGAGE INC FHA mortgage Closing on a mortgage 1 33.3%