The Money Store, MLD Mortgage Inc.
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.
- Company typePrivate
- Founded1972
- HeadquartersFlorham Park, United States
- Headcount251–500
- GTM typeB2C
- OfferingServices
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.
The Money Store, MLD Mortgage Inc. firmographics
Firmographics- 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
The Money Store, MLD Mortgage Inc. industry classification
Industry- 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
Where The Money Store, MLD Mortgage Inc. is headquartered
LocationHeadquarters
- HQ city
- Florham Park
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
The Money Store, MLD Mortgage Inc. business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Quote-based mortgage products |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
The Money Store, MLD Mortgage Inc. product offering
Product offeringCore 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
Companies that use The Money Store, MLD Mortgage Inc.
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
The Money Store, MLD Mortgage Inc. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
The Money Store, MLD Mortgage Inc. partnerships and signals
Strategic signalScale indicators8 records
Recent moves6 records
Expansion highlights5 records
The Money Store, MLD Mortgage Inc. competitors and assessment
Company assessmentDirect 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
The Money Store, MLD Mortgage Inc. social profiles
Digital presenceThe Money Store, MLD Mortgage Inc. financial estimates
Financial estimateRevenue estimate
Valuation estimate
The Money Store, MLD Mortgage Inc. leadership team
Management profileNumber of profiles
Profiles15 records
The Money Store, MLD Mortgage Inc. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
The Money Store, MLD Mortgage Inc. M&A and investment
M&A and investmentM&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.
What does The Money Store, MLD Mortgage Inc. do?
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.
Is The Money Store, MLD Mortgage Inc. a public or private company?
The Money Store, MLD Mortgage Inc. is a private company. It is classified as family owned and is currently operating.
When was The Money Store, MLD Mortgage Inc. founded?
The Money Store, MLD Mortgage Inc. was founded in 1972. It employs 251 to 500 people.
Where is The Money Store, MLD Mortgage Inc. based?
The Money Store, MLD Mortgage Inc. is headquartered in Florham Park, United States, in the North America region.
How does The Money Store, MLD Mortgage Inc. make money?
Two revenue lines are on record. Mortgage Origination is the primary driver. The others are loan Servicing.
Who are The Money Store, MLD Mortgage Inc.'s main competitors?
Direct peers on record are Caliber Home Loans, Fairway Independent Mortgage, Guild Mortgage, Movement Mortgage, NewRez (now part of Rocket), loanDepot and Paramount Residential Mortgage Group (PRMG). Broad incumbents are United Wholesale Mortgage (UWM), Rocket Mortgage and PennyMac Financial Services.
Does The Money Store, MLD Mortgage Inc. have an API?
No public API is recorded for The Money Store, MLD Mortgage Inc..
What industry is The Money Store, MLD Mortgage Inc. in?
The Money Store, MLD Mortgage Inc.'s product category is Residential Mortgage Lending. Its primary akta.pro industry code is FSAKAAAG, Large Purchase & Lifestyle Personal Loans (Unsecured Installment). Its NAICS code is 52222 and its SIC code is 6162.