Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

MLB Residential Lending, LLC: 2025 mortgage rates, costs & approvals

How MLB Residential Lending, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: MLB RESIDENTIAL LENDING, LLC · LEI 549300DW87L2IZ7ZHF47

In 2025, MLB Residential Lending, LLC originated 415 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 25 states — 816th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 43 basis points above the national median. Median conventional loan costs were $11,760, 111% higher than the national median ($5,570).

It denied 26.4% of completed home-purchase applications (all lenders: 8.5%).

Loans
415
of 622 applications
Denial rate
26.4%
Purchase · all 8.5%
30-yr fixed rate
6.875%
Conv. · all 6.625%
Loan costs
$11,760
Conv. · all $5,570
Loan amount
$425,000
Purchase · all $335,000
Borrower income
$122,000
Purchase · all $116,000

How MLB Residential Lending, LLC priced home-purchase loans

Purchase loans, 2025MLB Residential Lending, LLCAll lenders
30-year fixed rate · conventional6.875%6.625%
30-year fixed rate · FHA6.625%6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional+0.56 pts+0.13 pts
Total loan costs · conventional$11,760$5,570
Total loan costs · FHA$19,960$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$7,640$1,860
Borrowers paying discount points62.1%51.3%
Points paid, when paid (% of loan)1.00%0.87%
Borrowers receiving lender credits20.8%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

Conventional 62.7% 260
FHA 32.3% 134
VA 4.8% 20
USDA 0.2% 1

By purpose

Home purchase 79.3% 329
Refinance 5.5% 23
Cash-out refinance 15.2% 63
Home value
$505,000
Median, purchase loans
Down payment
10%
All lenders 10%
Refi rate
—
30-yr fixed, conventional
Refi denial rate
25.0%
Cash-out 25.8%

Why MLB Residential Lending, LLC denied purchase applications

Credit history 36.4% 47
Debt-to-income ratio 27.1% 35
Other 14.7% 19
Unverifiable information 9.3% 12
Employment history 4.7% 6
Insufficient cash (down payment/closing costs) 4.7% 6
Collateral (appraisal/property) 3.1% 4

First reason the lender reported for each denied home-purchase application.

Where MLB Residential Lending, LLC lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
New Jersey2553059.4%6.875%$11,630
New York70827.5%6.875%$15,190
Pennsylvania31367.4%——
Texas155166.7%——
Florida103252.0%——
Michigan510———
Colorado46———
Arizona312———
North Carolina39———
Delaware38———
Connecticut35———
Missouri34———
Illinois212———
South Carolina25———
Alabama23———
Georgia112———
Ohio15———
Virginia13———
Kansas11———
California07———
Maryland06———
Indiana04———
Tennessee02———
Mississippi01———
Utah01———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open MLB Residential Lending, LLC's page for that state.

Check MLB Residential Lending, LLC yourself

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