MLD Mortgage
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
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
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
3/5
Pull Through
Closing strength
Exceptional
Top 20% of lenders
5/5
By Loan Product· Specialization by type
Conventional
1,828 loans · 0.17% above market
Strong
Top 40% of lenders
4/5
FHA
646 loans · 0.52% above market
Exceptional
Top 20% of lenders
5/5
VA
194 loans · 0.47% below market
Strong
Top 40% of lenders
4/5
Jumbo
18 loans · 0.40% above market
Sound
Top 60% of lenders
3/5
USDA
22 loans · 0.62% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,393 loans · 0.24% above market
Exceptional
Top 20% of lenders
5/5
Refinance
315 loans · 0.10% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Near-National · 38 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 | 1,828 | 67.5% | +0.169%Above | $2,345Fees | ||||
FHA Loans | 646 | 23.9% | +0.518%Above | $2,716Fees | ||||
VA Loans | 194 | 7.2% | -0.467%Below | $1,726Fees | ||||
Jumbo Loans | — | 18 | 0.7% | +0.401%Above | $1,977Fees | |||
USDA Loans | — | 22 | 0.8% | +0.619%Above | $2,142Fees |
Conventional
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume1,828
Mix67.5%
Spread
+0.169%Above
Fees
$2,345Fees
FHA Loans
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume646
Mix23.9%
Spread
+0.518%Above
Fees
$2,716Fees
VA Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume194
Mix7.2%
Spread
-0.467%Below
Fees
$1,726Fees
Jumbo Loans
OverallAcceptable
ProductSound
Pricing—
Pull ThroughAcceptable
Volume18
Mix0.7%
Spread
+0.401%Above
Fees
$1,977Fees
USDA Loans
OverallStrong
ProductStrong
Pricing—
Pull ThroughSound
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 | 2,393 | 88.4% | +0.236%Above | $2,445Fees | ||||
Refinance | 315 | 11.6% | +0.096%Above | $2,036Fees |
Purchase
OverallStrong
ProductExceptional
PricingSound
Pull ThroughStrong
Volume2,393
Mix88.4%
Spread
+0.236%Above
Fees
$2,445Fees
Refinance
OverallSound
ProductStrong
PricingSound
Pull ThroughStrong
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
37
markets with activity
States Served
38
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
38Full-year 2024 · HMDALoans originated
< 1010–5050–100100+None
Northeast8
CTMEMANHNJNYPARI
Midwest7
IAILINMIMNOHWI
South15
ALARDEFLGAKYMDMSNCOKSCTNTXVAWV
West8
AZCACOHIIDNVORWA
Top Metro Areas by Place Specialization Score
Showing 10 of 37 metro areas
Top States by Place Specialization Score
Showing 10 of 22 states
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.