The Mortgage Record
Lender report card · New Jersey

Mld Mortgage, Inc.dba The Money Store

Florham Park, NJ · What the federal mortgage record shows about how Mld Mortgage, Inc.dba The Money Store treated New Jersey applicants, 2018–2025 — 7,047 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
94.0%
6,627 approved
Denial rate
6.0%
420 denied
Decisions
7,047
2018–2025
Avg. rate spread
+0.13 pp
vs. market benchmark
94.0% approved
6.0% denied

Share of 7,047 New Jersey applications Mld Mortgage, Inc.dba The Money Store approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional95.6% of 5,981 · NJ 87%FHA85.1% of 991 · NJ 79%VA84.8% of 46 · NJ 80%USDA86.2% of 29 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

85%88%91%94%97%89%89%97%95%88%93%95%94%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Mld Mortgage, Inc.dba The Money Store’s rates ran -0.18 pp lower than the typical New Jersey lender (average rate spread +0.13 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Mld Mortgage, Inc.dba The Money Store approves

By income
Under $50k81.0% · 399$50–75k87.4% · 819$75–100k91.6% · 942$100–150k95.1% · 1,944$150–250k97.8% · 2,173$250k+97.7% · 745
By debt-to-income
Under 36%97.4% · 3,02736–43%96.2% · 1,64543–50%93.8% · 1,843Over 50%68.2% · 488
By down payment (LTV)
20%+ down96.7% · 4,72110–20% down91.7% · 5165–10% down91.4% · 4793–5% down89.8% · 384Under 3% down88.5% · 295

Why Mld Mortgage, Inc.dba The Money Store denied applications

Debt-to-income ratio32% of denialsOther20% of denialsIncomplete application17% of denialsCollateral (value/type)16% of denialsCredit history15% of denialsUnverifiable information10% of denials

Where Mld Mortgage, Inc.dba The Money Store lends in NJ

CountyDecisionsApproval
Middlesex County1,00296.5%
Mercer County82794.9%
Somerset County76098.7%
Atlantic County68988.7%
Essex County66892.2%
Morris County52795.1%
Bergen County44193.9%
Hudson County39096.2%

Fees & closing costs

Median total loan costs
$5,734
home purchase
As % of loan
2.09%
NJ median 1.93%
Priced originations
2,855
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Mld Mortgage, Inc.dba The Money Store’s home-purchase originations — 0.16 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $500. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Mld Mortgage, Inc.dba The Money Store (LEI 549300AG10BX85DF5S49). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →