Applications / Mortgage Analytics / Lenders / Florida / Home Financing Center
Coral Gables, FL · Independent non-bank lender · CFPB · 84 loans in 2025
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84
loans originated, 2025
90
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Financing Center, a Coral Gables lender reporting since 1993, makes large home-purchase loans, most of them insured by the Federal Housing Administration (FHA), mainly in majority-minority neighborhoods in Florida.
FHA loans made up 56.0% of its lending, against 13.5% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. That is higher than about nine in ten of them. Home purchases accounted for 76.2% of its loans.
Its typical loan was $440,000, against $285,000 for similar lenders, larger than more than four in five of them. Some 83.3% of its loans were in majority-minority neighborhoods, against 25.2%, and 34.9% in low- and moderate-income (LMI) neighborhoods, against 18.6%. Its share of loans to LMI borrowers was lower, 10.8% against 19.5%; one possible reason is loan size, since loans this large usually need incomes above the LMI line.
It made 84 loans in 2025, up 15%, while the typical similar lender shrank 3%. That follows a steep decline: it made 354 loans in 2018 and 556 in 2020, then only 73 in 2024. Its typical rate was 3.00% in 2020 against 6.88% now, and dearer money may account for much of the fall.
All its lending is in Florida, across ten metros. Miami-Fort Lauderdale-West Palm Beach is its largest market, where it has lent since 1993 and ranked 205 of 937 lenders, a market that United Wholesale Mortgage leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Financing Center took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.2% · Refinance 11.9% · Home improvement 10.7% · Other 1.2%
FHA 56.0% · Conventional 42.9% · VA 1.2% · of 84 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 | 84 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 53 |
| Fort Lauderdale-Pompano Beach-Sunrise | 12 |
| West Palm Beach-Boca Raton-Delray Beach | 6 |
| Cape Coral-Fort Myers | 4 |
| Orlando-Kissimmee-Sanford | 4 |
| Gainesville | 1 |
| Naples-Marco Island | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| Port St. Lucie | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BWXVTVB5RRZN58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3915459 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7592472569 | |
| Respondent ID (the HMDA filer code before 2018) | 76802209990 | 1993–2003 |
Established 10 December 1984. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Home Financing Center's data.
Home Financing Center's data
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Home Financing Center 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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