Lender in California · HMDA 2025
MLD Mortgage Inc. mortgages in California
MLD Mortgage Inc.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
MLD Mortgage Inc. originated 647 owner-occupied single-family loans in California from 745 completed applications.
Its median conventional purchase loan costs were $7,190 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.50% (California: 6.625%).
Loans in CA
647
of 745 applications
Denial rate
1.5%
Purchase · CA 8.9%
Rate spread
+0.14 pts
Conv. · CA +0.09 pts
Loan amount
$515,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 594 | 523 | 1.5% | 6.500% | +0.14 pts | $7,190 | $515,000 |
| Refinance | 94 | 76 | 2.1% | 6.375% | +0.05 pts | $4,450 | $605,000 |
| Cash-out refinance | 57 | 48 | 8.8% | 6.500% | +0.19 pts | $4,470 | $305,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where MLD Mortgage Inc. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Trinity County | 7 | 3 | 3.6% |
| Ventura County | 10 | 117 | 1.8% |
| Tulare County | 18 | 53 | 1.2% |
| Contra Costa County | 20 | 101 | 0.9% |
| Kern County | 25 | 81 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology