Applications / Mortgage Analytics / Lenders / Florida / Neal Communities Funding
Maitland, FL · Independent non-bank lender · CFPB · 433 loans in 2025
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433
loans originated, 2025
549
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Neal Communities Funding lends only to people buying homes, in four Florida metros, and it is the 14th-largest lender in North Port-Bradenton-Sarasota.
Every loan it made in 2025 financed a home purchase. It works in one state, four metros and five counties. Its typical loan was $365,000, against $335,000 at similar lenders (independent non-bank lenders making between half and twice as many loans).
It made 433 loans in 2025, down 4%, while similar lenders grew 3% and the whole market 10%. Its count has stayed between 326 and 522 every year since 2018, so the dip is small against its own record. In North Port-Bradenton-Sarasota its share eased from 1.7% to 1.5%, as its own lending dipped, in a market led by United Wholesale Mortgage.
Its typical rate was 6.12%, lower than nearly nine in ten similar lenders, and none of its loans was higher-priced (a rate well above the average for similar loans). Loans insured by the Federal Housing Administration (FHA) rose from 5.3% to 18.7% of its lending, now close to the 19.1% at similar lenders.
Borrowers with low or moderate incomes (LMI) took 15.5% of its loans, against 23.9% at similar lenders, and LMI neighborhoods 9.5%, against 17.9%. Both shares roughly doubled from 2024. A purchase-only lender working in a few metros lends where its buyers are, and its larger typical loan points to pricier homes; either could explain the gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Neal Communities Funding took 549 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 100.0%
Conventional 76.2% · FHA 18.7% · VA 5.1% · of 433 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 | 433 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| North Port-Bradenton-Sarasota | 391 |
| Naples-Marco Island | 31 |
| Cape Coral-Fort Myers | 8 |
| Punta Gorda | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NZLFJGIDOXDW97 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7473963992 |
Established 6 May 2015. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Neal Communities Funding's data.
Neal Communities Funding's data
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Neal Communities 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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