Mld Mortgage Rates, Fees & Info
Florham Park, NJLEI: 549300AG10BX85DF5S49
Tax ID: 22-3747694
2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage 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
6,575Origination Dollar Volume (All Markets)
$2,452,345,000Awards
MLD MORTGAGE - 2021
MLD MORTGAGE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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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 applications95.69%
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 origination65.76%
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% |
