The Money Store, MLD Mortgage Inc.

What The Money Store, MLD Mortgage Inc. does

The Money Store, operated by MLD Mortgage, Inc., is a privately held, family-owned U.S. residential mortgage lender serving individual homebuyers and homeowners nationwide. Founded in 1972 and rebranded under MLD Mortgage's ownership of the naming rights in 2004, the company originates purchase, refinance, construction, renovation, and home-equity loan products, including conventional, government (FHA, VA, USDA), jumbo, non-QM/Alt-Doc, and reverse mortgage programs. It is licensed in 49 states plus Washington D.C. (NMLS Company ID #1019) with a notable exception of Missouri, and a pending New York license; geographic reach is delivered through 45+ branches and a network of hundreds of loan officers, supported by a hybrid in-person and digital service model.

The company's technology stack centers on a self-service digital mortgage platform anchored by the mymortgage.themoneystore.com web portal and native iOS and Android applications that support roughly 10-minute loan applications, document upload and e-signature, and real-time loan-status tracking, with a separate servicing portal (themoneystoreservicing.com) for post-closing borrower management. A suite of 12+ financial calculators (mortgage payment, affordability, refinance benefit, rent vs. buy, closing costs, debt-to-income, ARM, and others) sits on the public website as a top-of-funnel educational and lead-generation tool. There are no disclosed APIs, SDKs, or third-party integrations and no documented AI or machine-learning capabilities.

The revenue model is two-fold: transactional origination fees and net interest income on closed loans, plus recurring servicing fee income on retained portfolios. Pricing is quote-based and varies by program, geography, borrower credit, and underwriting conditions; no standardized pricing is publicly disclosed. Go-to-market is a hybrid sales-led model (loan officers, branch network, broker/builder referral partnerships) combined with direct-to-consumer digital acquisition. The senior leadership team is unusually tenured (multiple C-suite executives with 25-39 years of mortgage experience) and has been augmented since 2023 with a Chief Production Officer, Chief Marketing Officer, and a top-producing originator team, consistent with an active production-growth strategy.

Name

The Money Store, MLD Mortgage Inc.

Legal name

MLD Mortgage, Inc.

Website

https://themoneystore.com

Company type

Private

Founded year

1972

Operating status

Operating

Headcount range

251–500 employees

Short description

The Money Store (MLD Mortgage, Inc.) is a family-owned, privately held U.S. residential mortgage lender licensed in 49 states plus D.C., serving individual homebuyers and homeowners nationwide through 45+ branches, hundreds of loan officers, and a digital application and servicing platform.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Sales Financing (52222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Residential mortgage lending
• Home refinance loans
• Mortgage origination services
• Home equity lending
• Construction and renovation financing

Headquarters

HQ city

Florham Park

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Mortgage Origination: The company originates various mortgage loan products including home purchase, refinance, construction, renovation, and home equity loans. Revenue is generated through origination fees charged at closing and the interest spread on originated loans.
2. Loan Servicing: The company services mortgages post-closing, collecting monthly payments from borrowers and managing escrow accounts. Revenue is generated through servicing fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

The Money Store is a residential mortgage lender that originates and services home purchase, refinance, construction, renovation, and home equity loan products for individual consumers across 49 U.S. states. Customers access these products through a nationwide network of loan officers and branches, a self-serve online application portal, and a mobile application that supports digital application, document upload, e-signature, and loan status tracking. The company also services originated loans post-closing through a dedicated loan servicing portal.

Product overview

The Money Store is a family-owned mortgage lender offering a comprehensive suite of home financing products. The core offering consists of five main product categories: Home Purchase Loans (including Conventional, FHA, VA, USDA, Jumbo, and specialized programs), Home Refinance, Home Construction, Home Renovation, and Home Equity Products. These are complemented by a digital platform centered around The Money Store Mobile App, which enables loan applications, document uploads, e-signatures, and loan status tracking. The company also provides a suite of financial calculators (mortgage payment, home affordability, refinance benefit, rent vs. buy, down payment, loan amount, mortgage comparison, debt-to-income, adjustable-rate mortgage, closing costs, bi-weekly vs. monthly, and home sale proceeds) to support borrowers in financial planning. The product architecture combines direct lending services with digital self-service tools for a complete mortgage experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchase Loans Mortgage products for purchasing a home, including conventional, FHA, VA, USDA, jumbo, down payment assistance, first-time homebuyer, fixed-rate, adjustable-rate, condo, second home, investment home, non-salaried income (Alt-Doc), and interest-only programs, with down payment minimums as low as 10%, 3%, or 0%. Designed for individual homebuyers, including first-time buyers, with property and occupancy type flexibility.
• Home Refinance Refinance mortgage products including rate-and-term refinance and VA IRRRL, allowing existing homeowners to reduce interest rates, lower monthly payments, eliminate mortgage insurance, convert adjustable rates to fixed rates, or access home equity. Designed for existing homeowners seeking to optimize mortgage terms.
• Home Construction Loans Construction financing including one-time-close construction loans that bundle land purchase, construction, and permanent financing into a single loan, plus two-closing construction, FHA construction, and USDA construction variants. Designed for individuals building a new home who want to manage land, build, and permanent financing.
• Home Renovation Loans Renovation financing including Fannie Mae HomeStyle and FHA 203(k) programs for purchase-and-renovation or refinance-and-renovation of a home with a single loan. Designed for homeowners and buyers seeking to fund upgrades, repairs, or expansions alongside a purchase or refinance.
• Home Equity Products Cash-out refinance, home equity loan, and reverse mortgage products that convert home equity into usable cash for large purchases, debt payoff, home improvements, college expenses, or other needs. Designed for homeowners needing to liquidate equity for large cash needs.
• The Money Store Mobile App Native mobile application for iOS and Android that lets mortgage applicants start a loan application in 10 minutes or less, upload and e-sign documents, and track loan status in real time. Available on Apple App Store and Google Play.

Quantifiable outcome

• 99% customer satisfaction rating based on Experience.com reviews for 2025
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Caliber Home Loans: National retail and wholesale mortgage lender (owned by New Residential Investment / now part of Rocket). Comparable nationwide footprint, product suite, and customer base across purchase and refinance.
• Fairway Independent Mortgage: Large private retail mortgage lender with hundreds of branches and a similar loan-officer-led origination model. Closest peer in business model: retail branches, hybrid digital tools, family/employee-ownership culture.
• Guild Mortgage: Public retail-focused mortgage lender with similar branch-and-retail-LO distribution model. Strongly comparable customer mix (homebuyers, refi, renovation) and geographic footprint across 48+ states.
• Movement Mortgage: Large private retail mortgage lender known for strong originator culture and rapid branch expansion. Directly comparable GTM (branch + LO network), product mix, and customer segments.
• NewRez (now part of Rocket): National mortgage lender with retail and wholesale channels and a large servicing portfolio. Direct competitor in purchase and refinance, with comparable multi-channel distribution.
• loanDepot: Public direct-to-consumer and retail mortgage lender (LDI) with multi-channel origination and in-house servicing. Closely comparable in product breadth (purchase, refi, HELOC, renovation) and target consumer segments.
• Paramount Residential Mortgage Group (PRMG): Large privately held retail mortgage lender operating nationwide. Comparable in scale, branch footprint, product breadth (incl. non-QM), and reliance on loan officer production.

Broad incumbents

• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender. Competes for broker-sourced volume that complements TMS's retail/branch channel; similar broad product suite including conventional, FHA, VA, and non-QM.
• Rocket Mortgage: Largest U.S. mortgage lender by origination volume (parent: Rocket Companies). Direct competitor across purchase, refinance, and home equity products; competes for the same consumer with a heavier direct-to-consumer/digital motion and significantly larger marketing budget.
• PennyMac Financial Services: Public mortgage lender with direct-to-consumer, broker direct, and large servicing portfolio. Competes on rate competitiveness, product breadth, and scale; PennyMac's servicing book partially offsets cyclical origination risk in ways TMS's smaller portfolio does not.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/TheMoneyStore
• LinkedInlinkedin.com/company/themoneystore
• Instagraminstagram.com/the_moneystore
• Xx.com/themoneystore

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about The Money Store, MLD Mortgage Inc.