Mld Mortgage Rates, Fees & Info
Florham Park, NJLEI: 549300AG10BX85DF5S49
Tax ID: 22-3747694
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Mortgage Data
Review & Overview
Mld Mortgage is a small mortgage company specializing in 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. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: New York, Oklahoma City, Chicago, Oxnard, and San Francisco among others. We have data for 188 markets. (Some data included below & more in-depth data is available with an active subscription.)Mld Mortgage has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Mld Mortgage is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.56% | 4/5/25 |
| 30 Year Conventional Refi | 6.80% | 4/5/25 |
| 30 Year Cash-out Refi | 7.10% | 4/5/25 |
| 30 Year FHA Purchase | 7.25% | 4/5/25 |
| 30 Year FHA Refi | 6.82% | 4/5/25 |
| 30 Year VA Purchase | 6.29% | 4/5/25 |
| 30 Year VA Refi | 5.82% | 4/5/25 |
| 30 Year USDA Purchase | 7.32% | 4/5/25 |
| 15 Year Conventional Purchase | 5.96% | 4/5/25 |
| 15 Year Conventional Refi | 5.99% | 4/5/25 |
| 15 Year Cash-out Refi | 5.99% | 4/5/25 |
| 15 Year FHA Purchase | 7.22% | 4/5/25 |
| 15 Year FHA Refi | 6.00% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Mld Mortgage Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Mld Mortgage. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
3,199Origination Dollar Volume (All Markets)
$1,116,405,000Awards
MLD MORTGAGE - 2024
MLD MORTGAGE is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Mld Mortgage's average 30 year fixed mortgage rate was
6.41%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.14%.
Relative Fees (Closing Costs)
Mld Mortgage's average total fees/closing costs for a 30 year fixed rate
mortgage were $8,062.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 299 | $134,165,000 | $448,712 | $8,550 | 6.45% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 419 | $112,445,000 | $268,365 | $7,566 | 6.30% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 294 | $89,840,000 | $305,578 | $7,647 | 6.52% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 144 | $83,630,000 | $580,764 | $8,817 | 6.34% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 134 | $67,850,000 | $506,343 | $10,311 | 5.80% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 98 | $60,920,000 | $621,633 | $10,958 | 6.58% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 193 | $60,075,000 | $311,269 | $7,091 | 6.13% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 154 | $41,310,000 | $268,247 | $6,248 | 5.56% |
| PEORIA, IL (FHA|USDA|VA) | 266 | $41,240,000 | $155,038 | $4,049 | 6.17% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 76 | $39,470,000 | $519,342 | $5,665 | 6.52% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 87 | $39,255,000 | $451,207 | $11,549 | 5.91% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 113 | $31,245,000 | $276,504 | $9,700 | 5.70% |
| Outside of Metro Areas | 81 | $19,645,000 | $242,531 | $6,919 | 6.61% |
| VISALIA, CA (FHA|USDA|VA) | 64 | $18,300,000 | $285,938 | $7,431 | 6.30% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 35 | $15,905,000 | $454,429 | $10,026 | 6.38% |
| Kerrville, TX (FHA|USDA|VA) | 48 | $15,830,000 | $329,792 | $6,220 | 6.66% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 36 | $14,030,000 | $389,722 | $9,721 | 5.93% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 13 | $9,355,000 | $719,615 | $22,614 | 6.37% |
| VALLEJO, CA (FHA|USDA|VA) | 21 | $9,005,000 | $428,810 | $11,335 | 5.58% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 19 | $7,805,000 | $410,789 | $9,225 | 6.01% |
| RENO, NV (FHA|USDA|VA) | 18 | $7,110,000 | $395,000 | $5,175 | 6.83% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 19 | $6,795,000 | $357,632 | $6,577 | 6.72% |
| STOCKTON, CA (FHA|USDA|VA) | 16 | $6,380,000 | $398,750 | $9,966 | 5.66% |
| Aberdeen, WA (FHA|USDA|VA) | 15 | $5,375,000 | $358,333 | $9,167 | 6.35% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 19 | $5,085,000 | $267,632 | $4,850 | 6.58% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 12 | $5,000,000 | $416,667 | $4,091 | 6.88% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 9 | $4,975,000 | $552,778 | $8,942 | 6.69% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 12 | $4,660,000 | $388,333 | $7,089 | 5.78% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 22 | $4,460,000 | $202,727 | $7,158 | 6.96% |
| Centralia, WA (FHA|USDA|VA) | 14 | $4,310,000 | $307,857 | $8,385 | 5.57% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $4,300,000 | $358,333 | $4,016 | 6.54% |
| DOVER, DE (FHA|USDA|VA) | 10 | $3,750,000 | $375,000 | $8,063 | 6.34% |
| WACO, TX (FHA|USDA|VA) | 10 | $3,540,000 | $354,000 | $10,684 | 6.73% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 6 | $3,540,000 | $590,000 | $6,662 | 6.73% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 12 | $3,490,000 | $290,833 | $6,884 | 6.47% |
| Shelton, WA (FHA|USDA|VA) | 11 | $3,405,000 | $309,545 | $6,979 | 5.92% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 8 | $3,360,000 | $420,000 | $9,556 | 6.79% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 7 | $3,255,000 | $465,000 | $9,894 | 6.71% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 6 | $3,220,000 | $536,667 | $8,786 | 6.89% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 6 | $3,200,000 | $533,333 | $6,938 | 6.29% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 18 | $3,100,000 | $172,222 | $4,345 | 5.48% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 7 | $2,965,000 | $423,571 | $13,097 | 6.46% |
| RICHMOND, VA (FHA|USDA|VA) | 7 | $2,835,000 | $405,000 | $10,154 | 5.98% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 7 | $2,815,000 | $402,143 | $7,197 | 6.77% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 4 | $2,790,000 | $697,500 | $6,147 | 7.13% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,685,000 | $537,000 | $3,412 | 5.88% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 6 | $2,670,000 | $445,000 | $6,516 | 6.79% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 6 | $2,650,000 | $441,667 | $5,164 | 6.73% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 6 | $2,600,000 | $433,333 | $4,427 | 6.58% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 7 | $2,595,000 | $370,714 | $7,064 | 6.62% |
| FRESNO, CA (FHA|USDA|VA) | 8 | $2,470,000 | $308,750 | $5,524 | 6.23% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 12 | $2,370,000 | $197,500 | $5,783 | 5.03% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $2,220,000 | $1,110,000 | $7,663 | 7.87% |
| YAKIMA, WA (FHA|USDA|VA) | 5 | $2,075,000 | $415,000 | $11,746 | 6.45% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 5 | $1,865,000 | $373,000 | $7,842 | 6.45% |
| Shawnee, OK (FHA|USDA|VA) | 8 | $1,790,000 | $223,750 | $4,741 | 6.45% |
| LONGVIEW, WA (FHA|USDA|VA) | 4 | $1,780,000 | $445,000 | $12,668 | 6.16% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,735,000 | $578,333 | $7,548 | 6.67% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 3 | $1,685,000 | $561,667 | $11,047 | 6.04% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 3 | $1,595,000 | $531,667 | $11,298 | 6.58% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $1,515,000 | $505,000 | $17,736 | 6.42% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $1,475,000 | $491,667 | $5,610 | 8.42% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $6,876 | 7.34% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 3 | $1,435,000 | $478,333 | $6,342 | 6.37% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $11,294 | 6.83% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 3 | $1,325,000 | $441,667 | $2,980 | 7.17% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 4 | $1,240,000 | $310,000 | $4,441 | 6.63% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $1,230,000 | $307,500 | $11,122 | 6.75% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,165,000 | $388,333 | $11,275 | 6.54% |
| REDDING, CA (FHA|USDA|VA) | 3 | $1,155,000 | $385,000 | $10,598 | 6.46% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 3 | $1,145,000 | $381,667 | $7,786 | 7.00% |
| Oak Harbor, WA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $8,651 | 6.25% |
| ROCKFORD, IL (FHA|USDA|VA) | 8 | $1,090,000 | $136,250 | $4,988 | 5.14% |
| COLUMBUS, OH (FHA|USDA|VA) | 3 | $1,045,000 | $348,333 | $5,202 | 6.54% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 1 | $1,035,000 | $1,035,000 | $8,464 | 7.38% |
| Klamath Falls, OR (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $18,978 | 6.25% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 3 | $965,000 | $321,667 | $11,603 | 6.33% |
| MODESTO, CA (FHA|USDA|VA) | 4 | $950,000 | $237,500 | $5,587 | 4.84% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $15,517 | 6.88% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 5 | $935,000 | $187,000 | $0 | 7.70% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $7,065 | 6.58% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $0 | 7.19% |
| BLOOMINGTON, IL (FHA|USDA|VA) | 5 | $905,000 | $181,000 | $3,771 | 6.92% |
| Fredericksburg, TX (FHA|USDA|VA) | 3 | $885,000 | $295,000 | $4,870 | 6.70% |
| CALIFORNIA-LEXINGTON PARK, MD (FHA|USDA|VA) | 2 | $880,000 | $440,000 | $12,233 | 6.63% |
| Hilo, HI (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $7,191 | 6.06% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $8,038 | 6.75% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 3 | $845,000 | $281,667 | $7,839 | 6.41% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $6,416 | 6.71% |
| Ellensburg, WA (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,795 | 7.38% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $815,000 | $815,000 | $7,368 | 7.38% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 2 | $800,000 | $400,000 | $5,189 | 6.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $8,621 | 6.24% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 1 | $735,000 | $735,000 | $7,088 | 6.13% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $10,537 | 6.81% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $725,000 | $241,667 | $5,265 | 6.83% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 3 | $695,000 | $231,667 | $8,208 | 6.21% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $4,346 | 7.44% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $2,731 | 6.44% |
| MORRISTOWN, TN (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $5,073 | 7.13% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $3,916 | 6.99% |
| Miami, OK (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $11,419 | 8.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $0 | 6.81% |
| Port Angeles, WA (FHA|USDA|VA) | 2 | $600,000 | $300,000 | $8,848 | 6.25% |
| IOWA CITY, IA (FHA|USDA|VA) | 4 | $600,000 | $150,000 | $6,469 | 5.16% |
| NILES, MI (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $7,561 | 6.81% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $3,978 | 7.25% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $5,823 | 6.71% |
| HANFORD-CORCORAN, CA (FHA|USDA|VA) | 4 | $570,000 | $142,500 | $10,894 | 5.25% |
| Galesburg, IL (FHA|USDA|VA) | 2 | $570,000 | $285,000 | $4,197 | 7.25% |
| LANCASTER, PA (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $7,683 | 6.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $6,532 | 7.63% |
| KANKAKEE, IL (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,997 | 6.93% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $8,281 | 5.94% |
| NEW BERN, NC (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $12,491 | 5.88% |
| CHAMPAIGN-URBANA, IL (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $1,426 | 5.25% |
| SPRINGFIELD, IL (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $4,940 | 5.09% |
| McAlester, OK (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $15,013 | 6.13% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $3,199 | 6.99% |
| TULSA, OK (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $9,854 | 6.99% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $8,875 | 6.63% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $480,000 | $240,000 | $4,534 | 7.18% |
| MORGANTOWN, WV (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $17,060 | 5.99% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,289 | 7.38% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $5,557 | 5.63% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $20,104 | 6.13% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $18,446 | 5.25% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $10,863 | 6.63% |
| LEBANON, PA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $4,438 | 7.99% |
| MERCED, CA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $7,826 | 7.13% |
| Ottawa, IL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $3,587 | 6.37% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 7.00% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $12,317 | 6.25% |
| Coos Bay, OR (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $13,320 | 7.13% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 7.13% |
| EL CENTRO, CA (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $10,269 | 5.75% |
| Fernley, NV (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $11,100 | 6.63% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $13,898 | 5.88% |
| OCALA, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $9,778 | 7.25% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,031 | 6.99% |
| Palatka, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $18,428 | 5.50% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,177 | 7.13% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $4,490 | 6.63% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,468 | 6.38% |
| Elk City, OK (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,293 | 6.75% |
| RACINE, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $2,999 | 6.25% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,037 | 6.50% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $11,356 | 6.38% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $4,123 | 9.13% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 8.63% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $5,007 | 6.38% |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $3,476 | 6.63% |
| ENID, OK (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $11,479 | 6.50% |
| AMARILLO, TX (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,893 | 6.50% |
| LAWTON, OK (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,204 | 6.63% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 7.50% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,656 | 5.75% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $10,527 | 6.38% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 7.50% |
| Stevens Point, WI (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,183 | 6.75% |
| MIDLAND, TX (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,700 | 5.88% |
| Frankfort, IN (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,645 | 6.50% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,852 | 6.49% |
| New Ulm, MN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $6,413 | 6.49% |
| Rochelle, IL (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,045 | 6.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $4,768 | 7.13% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,875 | 5.13% |
| Dixon, IL (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $0 | 3.31% |
| Mount Pleasant, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,783 | 6.99% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $4,154 | 6.88% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $5,028 | 7.63% |
| Pullman, WA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,132 | 7.50% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $4,335 | 6.63% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,472 | 7.75% |
| DANVILLE, IL (FHA|USDA|VA) | 4 | $180,000 | $45,000 | $0 | 3.53% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 7.75% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,342 | 6.63% |
| PITTSBURGH, PA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $4,568 | 10.38% |
| Altus, OK (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,818 | 6.25% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $8,680 | 5.50% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.99% |
| Oskaloosa, IA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,930 | 6.75% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.99% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 6.88% |
| Fort Dodge, IA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $6,054 | 6.99% |
| Charleston-Mattoon, IL (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.99% |
| Duncan, OK (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $5,123 | 5.88% |
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Product Mix
For 2024, Mld Mortgage's most frequently originated type of loan was Conventional, with 2,277 originations. Their 2nd most popular type was FHA, with 674 originations.
Loan Reason
For 2024, Mld Mortgage's most frequently cited loan purpose was Home Purchase, with 2,779 originations. The 2nd most popular reason was Refi, with 230 originations.
Loan Duration/Length
For 2024, Mld Mortgage's most frequently cited loan duration was 30 Year, with 2,952 originations. The 2nd most popular length was 15 Year, with 81 originations.
Origination Fees/Closing Costs
Mld Mortgage's average total fees were $8,062, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,471 originations.
Interest Rates
During 2024, Mld Mortgage's average interest rate for loans was 6.41%, while their most frequently originated rate bucket for loans was 6-7%, with 1,867 originations.
Loan Sizing
2024 saw Mld Mortgage place emphasis on $200k-400k loans with 1,295 originations, totaling $383,765,000 in origination value.
Applicant Income
Mld Mortgage lent most frequently to those with incomes in the $100k-150k range, with 896 originations. The second most popular income band? $150k-250k, with 717 originations.
Applicant Debt to Income Ratio
Mld Mortgage lent most frequently to those with DTI ratios of 30-36%, with 444 originations. The next most common DTI ratio? 20-30%, with 378 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.28%
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 origination70.77%
Mld Mortgage has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 3,199 | $1,116,405,000 | $348,986 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3,199 | $1,116,405,000 | $348,986 |