Applications / Mortgage Analytics / Lenders / Florida / Mattamy Home Funding
Maitland, FL · Independent non-bank lender · CFPB · 2,648 loans in 2025
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2,648
loans originated, 2025
3,199
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mattamy Home Funding, a Florida non-bank, lends almost only to home buyers, and in 2025 it gained ground in Port St. Lucie and Orlando while making about twice as large a share of its loans to veterans as similar lenders.
Purchases made up 99.8% of its 2,648 loans. Its loans rose 9%, against 11% at the typical similar lender, here meaning independent non-bank lenders making between half and twice as many loans. Since 2019 its yearly count has stayed between 2,202 and 2,886, a steadiness that fits a lender with almost no refinancing to lose.
Its typical rate was 5.50%, against 6.62% at similar lenders, lower than almost all of them. None of its loans was higher-priced, meaning a rate well above the average for similar loans.
Loans guaranteed by the Department of Veterans Affairs (VA) took 12.6% of its lending, about twice the 6.4% at peers. Only 9.3% of its loans were in low- and moderate-income (LMI) neighborhoods, against 19.1% at peers, though up from 3.8% in 2024. Its typical loan of $405,000, against $315,000 at peers, suggests buyers of costlier homes, which could account for the low share.
It ranked 10 of 559 lenders in Port St. Lucie, where its share rose to 2.0% from 1.4%, and its share in Orlando also edged up. In Jacksonville, where it has lent since 2012, it ranked 26 of 715 and slipped 0.1 points; a shift of its lending toward other metros could explain that. United Wholesale Mortgage leads all but one of its main markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mattamy Home Funding took 3,199 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.8% · Refinance 0.2%
Conventional 60.5% · FHA 26.8% · VA 12.6% · USDA (RHS or FSA) 0.1% · of 2,648 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 | 1,207 | 45.6% |
| North Carolina | 576 | 21.8% |
| Arizona | 572 | 21.6% |
| Texas | 267 | 10.1% |
| South Carolina | 26 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 389 |
| Jacksonville | 335 |
| Charlotte-Concord-Gastonia | 301 |
| Orlando-Kissimmee-Sanford | 271 |
| Raleigh-Cary | 237 |
| Dallas-Plano-Irving | 225 |
| Port St. Lucie | 218 |
| Tucson | 183 |
| Tampa | 146 |
| North Port-Bradenton-Sarasota | 130 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XECJ0294F1ZG19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4533597 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7262597540 |
Established 1 May 2008. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Mattamy Home Funding's data.
Mattamy Home Funding's data
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Mattamy Home Funding 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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