ML Mortgage
We analyzed every closed loan from ML Mortgage — 730 loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Mediocre
1/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional · VA
Place
Sound
3/5
Multi-Region · 12 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Rates typically 61 basis points above market average
- Higher than average fees ($4,642)
Explore another lender or local market
Report Card
ML Mortgage performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Mediocre
+60.8 bps above market avg
1/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
363 loans · 0.57% above market
Sound
Top 60% of lenders
3/5
FHA
325 loans · 0.72% above market
Strong
Top 40% of lenders
4/5
VA
35 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
623 loans · 0.66% above market
Strong
Top 40% of lenders
4/5
Refinance
107 loans · 0.35% above market
Sound
Top 60% of lenders
3/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 12 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 363 | 49.7% | +0.574%Above | $4,967Fees | ||||
FHA Loans | 325 | 44.5% | +0.725%Above | $4,347Fees | ||||
VA Loans | 35 | 4.8% | -0.153%Below | $4,410Fees |
Conventional
OverallAcceptable
ProductSound
PricingMediocre
Pull ThroughSound
Volume363
Mix49.7%
Spread
+0.574%Above
Fees
$4,967Fees
FHA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughStrong
Volume325
Mix44.5%
Spread
+0.725%Above
Fees
$4,347Fees
VA Loans
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume35
Mix4.8%
Spread
-0.153%Below
Fees
$4,410Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 623 | 85.3% | +0.656%Above | $4,793Fees | ||||
Refinance | 107 | 14.7% | +0.351%Above | $3,834Fees |
Purchase
OverallSound
ProductStrong
PricingMediocre
Pull ThroughSound
Volume623
Mix85.3%
Spread
+0.656%Above
Fees
$4,793Fees
Refinance
OverallSound
ProductSound
PricingAcceptable
Pull ThroughSound
Volume107
Mix14.7%
Spread
+0.351%Above
Fees
$3,834Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
730
Applications
1,020
Volume
$344 million
Pricing & Closing
Avg Rate Spread
+0.608%
vs. market APOR
Avg Net Fees
$4,642
Origination − Credits
Pullthrough Rate
71.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$472,438
Avg Borrower Income
$155,945
Avg Property Value
$582,041
Geographic Coverage
Geographic Performance
Metro Areas
12
markets with activity
States Served
13
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
13Full-year 2024 · HMDALoans originated
< 2020–5050–100100+None
Northeast1
PA
Midwest1
IN
South4
FLSCTNTX
West7
AZCACOHINVORWA
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 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.