Applications / Mortgage Analytics / Lenders / Florida / Ready Mortgage Lenders
Miami, FL · Independent non-bank lender · CFPB · 136 loans in 2025
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136
loans originated, 2025
223
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ready Mortgage Lenders, a Miami home-purchase lender, makes most of its loans with insurance from the Federal Housing Administration (FHA), far more than similar lenders.
FHA loans made up 61.8% of its lending, against 16.3% at similar lenders, which are independent non-bank lenders making between half and twice as many loans. That is a higher share than more than nine in ten of them, and up from 50.0% a year earlier. Purchases were 84.6% of its loans.
Its typical loan was $430,000, against $305,000 at similar lenders, and up from $285,000 in 2020. Its total lending, $57.6 million, was close to the group's typical $55.1 million despite fewer loans.
Of its loans, 87.5% went to majority-minority neighborhoods, against 21.9% at similar lenders. That may reflect where it lends: Miami is its largest market, where it ranked 171 of 937 lenders, and Florida is its main state.
It made 136 loans, down 7%, against a 1% fall at similar lenders. Its loans have fallen every year since 2021, when it made 373.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ready Mortgage Lenders took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.6% · Refinance 15.4%
FHA 61.8% · Conventional 37.5% · VA 0.7% · of 136 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 | 135 | 99.3% |
| Texas | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Miami-Miami Beach-Kendall | 87 |
| Fort Lauderdale-Pompano Beach-Sunrise | 15 |
| Cape Coral-Fort Myers | 11 |
| Tampa | 5 |
| Orlando-Kissimmee-Sanford | 3 |
| Jacksonville | 2 |
| Punta Gorda | 2 |
| Houston-Pasadena-The Woodlands | 1 |
| Lakeland-Winter Haven | 1 |
| Naples-Marco Island | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZWBZI4IUOSSQ18 | 2018–2025 |
Established 14 May 2013. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Ready Mortgage Lenders's data.
Ready Mortgage Lenders's data
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Ready Mortgage Lenders 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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