Lender in California · HMDA 2025
ML Mortgage Corp. mortgages in California
ML Mortgage Corp.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
ML Mortgage Corp. originated 969 owner-occupied single-family loans in California from 1,043 completed applications.
Its median conventional purchase loan costs were $10,260 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.625% (California: 6.625%).
Loans in CA
969
of 1,043 applications
Denial rate
2.2%
Purchase · CA 8.9%
Rate spread
+0.37 pts
Conv. · CA +0.09 pts
Loan amount
$495,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 818 | 766 | 2.2% | 6.625% | +0.37 pts | $10,260 | $495,000 |
| Refinance | 120 | 110 | 1.7% | 6.250% | +0.01 pts | $9,780 | $505,000 |
| Cash-out refinance | 105 | 93 | 4.8% | 6.875% | +0.50 pts | $9,730 | $465,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where ML Mortgage Corp. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mariposa County | 4 | 9 | 6.3% |
| San Bernardino County | 7 | 362 | 1.8% |
| Santa Cruz County | 15 | 21 | 1.3% |
| Ventura County | 19 | 70 | 1.1% |
| San Benito County | 20 | 8 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology