ML Mortgage Corp. mortgage approval rate & lending review
ML Mortgage Corp. decided 3,253 mortgage applications and funded 2,975 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ML Mortgage Corp. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ML Mortgage Corp. at a glance
Approval is 11.3 points above the 84.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 2,286 / 2,384 | 96% | $405K | 2,206 |
| Cash-out refinance | 93% | 322 / 346 | 93% | $335K | 299 |
| Refinance | 96% | 219 / 229 | 96% | $435K | 210 |
| Investment property purchase | 97% | 150 / 155 | 91% | $325K | 136 |
| Investment cash-out refinance | 96% | 89 / 93 | 97% | $305K | 86 |
| Investment refinance | 93% | 42 / 45 | 90% | $325K | 38 |
ML Mortgage Corp. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 97% | $465K | 2,331 | 2,165 |
| Nevada | 97% | $355K | 413 | 378 |
| Texas | 87% | $275K | 180 | 151 |
| Arizona | 88% | $345K | 168 | 142 |
| Florida | 92% | $355K | 40 | 34 |
| Washington | 82% | $395K | 34 | 26 |
| Pennsylvania | 100% | $155K | 21 | 21 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where ML Mortgage Corp. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| San Bernardino County, CA | Mortgage lenders | 98% | 638 | 608 |
| Riverside County, CA | Mortgage lenders | 97% | 421 | 395 |
| Ventura County, CA | Mortgage lenders | 98% | 106 | 103 |
| San Bernardino County, CA | Cash-out refinance | 94% | 98 | 89 |
| Riverside County, CA | Cash-out refinance | 95% | 98 | 84 |
| San Bernardino County, CA | Refinance | 96% | 83 | 76 |
| San Bernardino County, CA | Investment property purchase | 98% | 41 | 40 |
| Santa Cruz County, CA | Mortgage lenders | 94% | 32 | 29 |
| Monterey County, CA | Mortgage lenders | 100% | 25 | 23 |
The county markets where ML Mortgage Corp. made the most loans. Each link opens that market with every lender ranked.
Questions about ML Mortgage Corp.
What is ML Mortgage Corp.'s mortgage approval rate?
ML Mortgage Corp. approved 95.5% of the 3,253 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.3 points above the 84.2% national rate for the same mix of loan types.
How often do borrowers take the loan ML Mortgage Corp. offers?
Borrowers accepted 96% of the loans ML Mortgage Corp. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does ML Mortgage Corp. make?
The typical home purchase mortgage loan ML Mortgage Corp. made was $405K; across all loan types its typical loan ran from $305K to $435K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ML Mortgage Corp. lend?
ML Mortgage Corp. decided applications in 19 of the states Fat Boy Data covers, most of them in California, Nevada and Texas.
Can I apply to ML Mortgage Corp. directly?
Yes. ML Mortgage Corp. reports as a direct lender that takes applications from borrowers.
Does this page show ML Mortgage Corp.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how ML Mortgage Corp. treats applications, then get a rate quote from the lender.