Applications / Mortgage Analytics / Lenders / Florida / Preferred Lending Services
Valrico, FL · Non-bank or government lender · CFPB · 89 loans in 2025
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89
loans originated, 2025
123
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Preferred Lending Services, a small mortgage company in Valrico, Florida, lends almost only for home purchases, and its loans have shrunk from 684 in 2020 to 89 in 2025.
Purchases made up 94.4% of its 89 loans in 2025, all of them in Florida, across ten metros. Its biggest markets are Tampa-St. Petersburg-Clearwater and Lakeland-Winter Haven, where it ranks 143 of 560 lenders. It has reported under HMDA since 2019.
Of its loans, 19.1% were insured by the Federal Housing Administration (FHA) and 4.5% guaranteed by the Department of Veterans Affairs (VA). The typical similar lender (non-bank or government lenders making between half and twice as many loans) made neither kind. Manufactured homes made up 5.6% of its loans, a higher share than at almost all its peers. Its typical loan was $265,000, against $425,000 at similar lenders, smaller than at about four in five of them.
Its loans fell 38% in 2025, from 143, while similar lenders' fell 6% and the whole market grew 10%; only about one similar lender in twenty fell further. Lending has dropped every year since 2020. For a firm this size, the loss of a few loan officers or a referral source could explain much of that; the data do not say which.
Its typical rate, 6.62%, matched its peers'. But 3.4% of its loans were higher-priced (a rate well above the average for similar loans), where the typical similar lender had none. Its manufactured-home loans, 5.6% of the total, could account for most of that, along with its FHA lending.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Preferred Lending Services took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.4% · Refinance 5.6%
Conventional 76.4% · FHA 19.1% · VA 4.5% · of 89 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 | 89 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Tampa | 30 |
| St. Petersburg-Clearwater-Largo | 26 |
| Lakeland-Winter Haven | 18 |
| Sebring | 6 |
| North Port-Bradenton-Sarasota | 3 |
| Orlando-Kissimmee-Sanford | 2 |
| Homosassa Springs | 1 |
| Ocala | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C5YLTTVIWX4J11 | 2019–2025 |
Established 26 October 2018. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Preferred Lending Services's data.
Preferred Lending Services's data
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Preferred Lending 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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