PlainLender

MLD MORTGAGE, INC.dba The Money Store

FLORHAM PARK, NJ

MLD MORTGAGE, INC.dba The Money Store processed 4,296 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 3,199 loans with a 3.7% denial rate. Home Purchase was the primary loan purpose. Based in FLORHAM PARK, NJ. The approval rate of 74.5% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. MLD MORTGAGE, INC.dba The Money Store's 74.5% origination rate tells you how often an application turned into funded money; the 3.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (3,009 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

4,296
Applications
3,199
Originated
3.7%
Denial Rate
$350,691
Avg Loan Amount
Avg Interest Rate: 6.268% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 3,009 2,281 101 $348,719
FHA 977 683 50 $344,417
VA 277 213 8 $413,014
USDA 33 22 1 $193,182

Top loan types - MLD MORTGAGE, INC.dba The Money Store

Top loan types - MLD MORTGAGE, INC.dba The Money Store Horizontal bar chart of the top 4 items by value (applications). Top loan types - MLD MORTGAGE, INC.dba The Money Store Top 4 1. Conventional 3,009 2. FHA 977 3. VA 277 4. USDA 33 Top 5 loan types by application volume at MLD MORTGAGE, INC.dba The Money Store (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for MLD MORTGAGE, INC.dba The Money Store (LEI: 549300AG10BX85DF5S49) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
74
Collateral
36
Credit history
23
Other
20
Unverifiable information
18
Insufficient cash
14
Employment history
10
Credit application incomplete
3

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 3,645 2,779 $343,241
Refinancing 339 230 $432,906
Cash-out Refinancing 312 190 $348,397

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 2,949 75.8% 3.0%
Asian 617 75.2% 3.1%
Black or African American 305 62.3% 11.2%
Joint 148 74.3% 3.4%
American Indian or Alaska Native 50 72.0% 2.0%
Native Hawaiian or Other Pacific Islander * 14 71.4% 0.0%
2 or more minority races * 13 53.9% 7.7%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 3,044 75.4% 3.4%
Hispanic or Latino 916 71.8% 4.5%
Joint 136 72.1% 2.2%

Nearby Lenders in NJ

Other HMDA-reporting lenders in NJ with similar activity. Compare any two side-by-side.

TD Bank

Mount Laurel, NJ

56,179 apps 24,748 originated 26.1% denied

HomeBridge Financial Services, Inc

Iselin, NJ

20,428 apps 11,641 originated 24.9% denied

American Neighborhood Mortgage Acceptance Company

Mt. Laurel, NJ

15,393 apps 9,465 originated 2.1% denied

American Financial Resources LLC

PARSIPPANY, NJ

9,814 apps 5,214 originated 8.4% denied

Longbridge Financial, LLC

PARAMUS, NJ

9,231 apps 3,849 originated 8.7% denied
Compare MLD MORTGAGE, INC.dba The Money Store vs TD Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did MLD MORTGAGE, INC.dba The Money Store process?
MLD MORTGAGE, INC.dba The Money Store processed 4,296 mortgage applications in the 2024 HMDA reporting year. Of these, 3,199 were originated (approved and funded), 601 were withdrawn by the applicant, and 160 were denied.
What is MLD MORTGAGE, INC.dba The Money Store's mortgage approval rate?
MLD MORTGAGE, INC.dba The Money Store has an approval (origination) rate of 74.5%, meaning 74.5% of all applications resulted in a funded mortgage. The denial rate is 3.7%.
What is the average loan amount at MLD MORTGAGE, INC.dba The Money Store?
The average mortgage loan amount at MLD MORTGAGE, INC.dba The Money Store is $350,691. The average interest rate is 6.268%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at MLD MORTGAGE, INC.dba The Money Store?
The most common reasons for mortgage denial at MLD MORTGAGE, INC.dba The Money Store are: Debt-to-income ratio, Collateral, Credit history. In total, 160 applications were denied out of 4,296 total applications.
What types of mortgage loans does MLD MORTGAGE, INC.dba The Money Store offer?
MLD MORTGAGE, INC.dba The Money Store processes Conventional, FHA, VA, USDA loans. The most common type is Conventional with 3,009 applications and an average loan amount of $348,719.
What loan purposes does MLD MORTGAGE, INC.dba The Money Store serve?
MLD MORTGAGE, INC.dba The Money Store serves the following loan purposes: Home Purchase (3,645 applications), Refinancing (339 applications), Cash-out Refinancing (312 applications). Home Purchase is the most common purpose.
Where is MLD MORTGAGE, INC.dba The Money Store located?
MLD MORTGAGE, INC.dba The Money Store is headquartered in FLORHAM PARK, NJ. The lender is identified by LEI 549300AG10BX85DF5S49 in HMDA data.
How does MLD MORTGAGE, INC.dba The Money Store compare in lending across racial demographics?
MLD MORTGAGE, INC.dba The Money Store reports demographic lending data under HMDA requirements. White applicants have an approval rate of 75.8% and denial rate of 3.0%; Asian applicants have an approval rate of 75.2% and denial rate of 3.1%; Black or African American applicants have an approval rate of 62.3% and denial rate of 11.2%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.