Applications / Mortgage Analytics / Lenders / Florida / Mortgage Financial Group
Tavares, FL · Independent non-bank lender · CFPB · 264 loans in 2025
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264
loans originated, 2025
322
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Financial Group is a central Florida lender of government-backed home-purchase loans, and its loans rose by nearly half in 2025.
Loans insured by the Federal Housing Administration made up 40.2% of its total, against 17.3% for similar lenders (independent non-bank lenders making between half and twice as many loans). Loans guaranteed by the Department of Veterans Affairs took 11.0%, and those guaranteed by the Department of Agriculture's Rural Housing Service 9.8%, a kind its peers barely made. Conventional loans were only 39.0% of its business.
Manufactured homes accounted for 12.1% of its loans, against 0.2% for its peers, more than at about nine in ten of them. With purchases at 91.7% and a typical loan of $255,000, smaller than at three in four peers, it lends mostly to buyers of modest homes.
Its loans rose 49% to 264, while the typical similar lender stood still and the whole market grew 10%. In Ocala it ranked 20 of 536 lenders, and its share rose from 0.2% to 1.0%. It has lent there, and in Orlando and Homosassa Springs, since 2016, when it first reported.
Low- and moderate-income borrowers took 28.7% of its loans, up from 22.3% and more than at about two-thirds of similar lenders. Its mix of government-backed and manufactured-home loans may be one reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage Financial Group took 322 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 91.7% · Refinance 8.3%
FHA 40.2% · Conventional 39.0% · VA 11.0% · USDA (RHS or FSA) 9.8% · of 264 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 | 255 | 96.6% |
| North Carolina | 9 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Ocala | 122 |
| Orlando-Kissimmee-Sanford | 76 |
| Homosassa Springs | 19 |
| Gainesville | 11 |
| Wildwood-The Villages | 9 |
| Deltona-Daytona Beach-Ormond Beach | 8 |
| Fort Lauderdale-Pompano Beach-Sunrise | 3 |
| Durham-Chapel Hill | 1 |
| Jacksonville | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004KSBZEBHIMRT79 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7542096352 |
Established 17 February 2003. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Mortgage Financial Group's data.
Mortgage Financial Group's data
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Mortgage Financial Group 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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