Applications / Mortgage Analytics / Lenders / Florida / Marlin Mortgage Capital
St Petersburg, FL · Non-bank lender · CFPB · 67 loans in 2025
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67
loans originated, 2025
101
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Marlin Mortgage Capital, a Florida non-bank that first reported in 2025, mostly refinances loans insured by the Federal Housing Administration (FHA), and it spreads 67 loans across 25 states.
FHA loans made up 61.2% of its lending, against 14.0% at the typical similar lender, here meaning non-bank lenders making between half and twice as many loans. That is the highest FHA share in the group. Refinances were 86.6% of its loans and purchases 13.4%. Manufactured homes took 9.0%, where most of its peers made none.
Its 67 loans touched 65 counties in 41 metros, with Georgia its main state. It ranked 612 of 802 lenders in New York and 623 of 892 in Atlanta, so it is a minor name in every market it serves. How a lender this scattered finds its borrowers is a question the figures cannot answer.
In its first year it made 67 loans, fewer than about nine in ten similar lenders; the typical one made 101. Its typical loan was $235,000, against $315,000 at peers. The peer group has only 11 lenders, so comparisons are rough.
Its typical rate was 6.62%, against 6.50% at similar lenders, close to the middle of the group. None of its loans was higher-priced, meaning a rate well above the average for similar loans. Two in five of its borrowers, 40.0%, had low or moderate incomes, above the 31.2% at peers, which fits a lender centered on FHA loans.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Marlin Mortgage Capital took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 86.6% · Purchase 13.4%
FHA 61.2% · Conventional 38.8% · of 67 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 |
|---|---|---|
| Georgia | 9 | 13.4% |
| New Jersey | 8 | 11.9% |
| Indiana | 5 | 7.5% |
| North Carolina | 5 | 7.5% |
| Pennsylvania | 4 | 6.0% |
| Virginia | 4 | 6.0% |
| Connecticut | 3 | 4.5% |
| South Carolina | 3 | 4.5% |
| Texas | 3 | 4.5% |
| Arkansas | 2 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 4 |
| Atlanta-Sandy Springs-Roswell | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Chattanooga | 2 |
| Chicago-Naperville-Schaumburg | 2 |
| Hartford-West Hartford-East Hartford | 2 |
| Richmond | 2 |
| Arlington-Alexandria-Reston | 1 |
| Atlantic City-Hammonton | 1 |
| Auburn-Opelika | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500CBWD5B079K2C86 | 2025–2025 |
Established 28 May 2019. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Marlin Mortgage Capital's data.
Marlin Mortgage Capital's data
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Marlin Mortgage Capital 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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