MLD Mortgage Inc.: 2025 mortgage rates, costs & approvals
How MLD Mortgage Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: MLD MORTGAGE INC. · LEI 549300AG10BX85DF5S49
In 2025, MLD Mortgage Inc. originated 4,054 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 41 states — 163rd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $5,800, 4% higher than the national median ($5,570).
It denied 2.7% of completed home-purchase applications (all lenders: 8.5%).
How MLD Mortgage Inc. priced home-purchase loans
| Purchase loans, 2025 | MLD Mortgage Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.990% | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.13 pts |
| Total loan costs · conventional | $5,800 | $5,570 |
| Total loan costs · FHA | $11,250 | $11,310 |
| Total loan costs · VA | $6,550 | $6,490 |
| Origination charges (all types) | $1,500 | $1,860 |
| Borrowers paying discount points | 39.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.66% | 0.87% |
| Borrowers receiving lender credits | 45.9% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why MLD Mortgage Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where MLD Mortgage Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 929 | 995 | 3.0% | 6.625% | $6,000 |
| California | 647 | 745 | 1.5% | 6.500% | $7,190 |
| Oklahoma | 580 | 614 | 1.0% | 6.625% | $4,530 |
| New Jersey | 432 | 510 | 6.0% | 6.490% | $6,020 |
| Washington | 231 | 252 | 1.3% | 6.500% | $7,110 |
| Wisconsin | 158 | 163 | 0.9% | 6.625% | $3,260 |
| Massachusetts | 126 | 132 | 3.7% | 6.625% | $5,250 |
| Texas | 124 | 131 | 0.9% | 6.500% | $5,420 |
| Delaware | 107 | 113 | 1.9% | 6.490% | $5,800 |
| Iowa | 78 | 90 | 5.9% | — | — |
| Virginia | 67 | 74 | 8.3% | 6.625% | $6,260 |
| Maryland | 64 | 68 | 1.6% | 6.625% | $5,810 |
| Minnesota | 58 | 63 | 1.6% | 6.625% | $5,820 |
| Pennsylvania | 57 | 60 | 0.0% | 6.490% | $6,060 |
| Ohio | 54 | 56 | 0.0% | 6.500% | $4,650 |
| Florida | 49 | 61 | 5.7% | 6.490% | $5,600 |
| Indiana | 41 | 46 | 8.3% | 6.875% | $3,770 |
| North Carolina | 41 | 44 | 3.0% | — | — |
| Nevada | 35 | 38 | 0.0% | 6.625% | $7,140 |
| Hawaii | 33 | 35 | 6.7% | — | — |
| New York | 27 | 29 | 4.2% | — | — |
| Georgia | 26 | 28 | 0.0% | — | — |
| Tennessee | 17 | 20 | — | — | — |
| South Carolina | 8 | 11 | — | — | — |
| Connecticut | 8 | 9 | — | — | — |
| Oregon | 7 | 13 | — | — | — |
| Arizona | 7 | 10 | — | — | — |
| Idaho | 7 | 7 | — | — | — |
| Rhode Island | 6 | 6 | — | — | — |
| Michigan | 5 | 6 | — | — | — |
| West Virginia | 5 | 6 | — | — | — |
| Utah | 5 | 5 | — | — | — |
| Alabama | 4 | 5 | — | — | — |
| New Hampshire | 3 | 3 | — | — | — |
| Kentucky | 2 | 3 | — | — | — |
| Colorado | 1 | 2 | — | — | — |
| District of Columbia | 1 | 2 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
| Kansas | 1 | 1 | — | — | — |
| Maine | 1 | 1 | — | — | — |
| Montana | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open MLD Mortgage Inc.'s page for that state.
Counties where MLD Mortgage Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Kerr County, TX | 2 | 44 | 8.8% |
| Peoria County, IL | 4 | 177 | 8.0% |
| Tama County, IA | 3 | 13 | 6.9% |
| Tazewell County, IL | 5 | 101 | 5.8% |
| Stark County, IL | 7 | 2 | 4.2% |
| Marshall County, IL | 5 | 7 | 4.0% |
| Trinity County, CA | 7 | 3 | 3.6% |
| Maui County, HI | 8 | 27 | 3.3% |
| Mercer County, NJ | 6 | 119 | 3.1% |
| Oklahoma County, OK | 7 | 277 | 2.9% |
| Woodford County, IL | 10 | 15 | 2.9% |
| Logan County, OK | 8 | 27 | 2.7% |
| Kewaunee County, WI | 9 | 8 | 2.6% |
| Lincoln County, NV | 13 | 1 | 2.6% |
| Canadian County, OK | 10 | 96 | 2.6% |
Check MLD Mortgage Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 549300AG10BX85DF5S49.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from MLD Mortgage Inc. with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology