Applications / Mortgage Analytics / Lenders / Louisiana / Mortgage Financial Services
Baton Rouge, LA · Independent non-bank lender · CFPB · 2,083 loans in 2025
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2,083
loans originated, 2025
2,920
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Financial Services is a Texas-focused home-purchase lender built on government-backed loans, and it leads the market in San Angelo.
Loans insured by the Federal Housing Administration (FHA) made up 48.9% of its total, more than double the 22.5% at similar lenders (independent non-bank lenders making between half and twice as many loans). Loans guaranteed by the Department of Veterans Affairs took 10.8%. Conventional loans were only 37.5%, fewer than at all but about one in twenty peers. Purchases made up 92.4% of its business.
Though based in Baton Rouge, it lends mainly in Texas. It ranked 1 of 191 lenders in San Angelo, where its share rose from 12.1% to 13.7%, ahead of American Pacific Mortgage. In Houston its share edged up to 0.2%. It has lent in its main Texas markets since 2015, when it first reported.
Its loans fell 3% to 2,083, while similar lenders grew 9% and the whole market 10%. It has made between 2,059 and 2,138 loans a year since 2023, far below the 7,227 of 2020. The data do not say why.
It turned down 1.6% of decided home-purchase applications and 0.7% of refinance applications, against 4.2% and 5.7% for its peers. Majority-minority neighborhoods took 37.5% of its loans, more than at about three in four similar lenders, whose share was 24.8%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Services took 2,920 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 92.4% · Refinance 7.6%
FHA 48.9% · Conventional 37.5% · VA 10.8% · USDA (RHS or FSA) 2.8% · of 2,083 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 |
|---|---|---|
| Texas | 1,746 | 83.8% |
| Arkansas | 218 | 10.5% |
| Louisiana | 48 | 2.3% |
| Tennessee | 45 | 2.2% |
| Mississippi | 17 | 0.8% |
| South Carolina | 4 | 0.2% |
| Alabama | 2 | 0.1% |
| Oklahoma | 2 | 0.1% |
| Florida | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Angelo | 268 |
| Houston-Pasadena-The Woodlands | 247 |
| Fort Worth-Arlington-Grapevine | 199 |
| San Antonio-New Braunfels | 150 |
| Dallas-Plano-Irving | 149 |
| Texarkana | 121 |
| Laredo | 105 |
| Tyler | 104 |
| Abilene | 66 |
| Little Rock-North Little Rock-Conway | 56 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009F6BJDCZMZ7Y26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5019360 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7208468035 |
Established 21 February 2007. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Mortgage Financial Services's data.
Mortgage Financial Services's data
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Mortgage Financial Services 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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