Applications / Mortgage Analytics / Lenders / Florida / Banking Mortgage Services, B.M.S.
Miami, FL · Independent non-bank lender · CFPB · 91 loans in 2025
Banking Mortgage Services, B.M.S.'s data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
91
loans originated, 2025
91
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Banking Mortgage Services, B.M.S., a Miami non-bank lender, makes home-purchase loans almost entirely in Florida's majority-minority neighborhoods, many of them insured by the Federal Housing Administration (FHA).
Purchases made up 90.1% of its 91 loans. 28.6% were FHA loans, about double the 13.5% at similar lenders (independent non-bank lenders making between half and twice as many loans). Its volume barely moved, down 3% from 94, close to peers' typical fall of 2%. It made 234 loans in 2020.
94.5% of its loans were in majority-minority neighborhoods, against 25.2% at similar lenders, and 41.6% in low- and moderate-income (LMI) neighborhoods, more than at nearly all of them. Yet only 3.7% went to LMI borrowers, against 19.5% at peers. Its loans are large, typically $415,000 against $290,000, which may mean its buyers earn more than most of their neighbors.
Miami-Fort Lauderdale-West Palm Beach, FL is its largest market. It ranked 188 of 937 lenders there, where United Wholesale Mortgage led, and has reported there since 2017, its first year of filing. It also lends in Orlando, Tampa and non-metro Florida, all in one state.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Banking Mortgage Services, B.M.S. took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 90.1% · Refinance 9.9%
Conventional 71.4% · FHA 28.6% · of 91 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Florida | 91 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 81 |
| Fort Lauderdale-Pompano Beach-Sunrise | 6 |
| Orlando-Kissimmee-Sanford | 1 |
| Tampa | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006XEQ3W7XTQXN65 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7592757098 |
Established 5 January 1987. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Banking Mortgage Services, B.M.S.'s data.
Banking Mortgage Services, B.M.S.'s data
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Banking Mortgage Services, B.M.S. and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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