Applications / Mortgage Analytics / Lenders / Florida / The Mortgage Warehouse
Fort Myers, FL · Independent non-bank lender · CFPB · 141 loans in 2025
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141
loans originated, 2025
191
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Mortgage Warehouse is a small Florida lender, mostly of conventional home-purchase loans, whose loans fell by a third in 2025, while similar lenders' fell 2%.
Purchases made up 69.5% of its loans and refinances the rest. Conventional loans were 85.1%, more than at about two in three similar lenders, meaning independent non-bank lenders making between half and twice as many loans. Its typical loan of $285,000 is below the peers' $325,000.
It made 141 loans, 33% fewer than in 2024, while peers fell 2% and the whole market grew 10%. That fall is steeper than at more than nine in ten peers. A lender this small can swing sharply from one year to the next, and it may also have chosen to lend less. It made 1,453 loans in 2020.
Its typical rate of 6.50% is a little lower than the peers' 6.62%. None of its loans was higher-priced, meaning a rate well above the average for similar loans, against 1.4% at peers.
Florida is its main state, but its largest market is Louisville, where it ranks 100 of 510 and its share fell from 0.4% to 0.2%, which may simply follow its smaller volume. At home in Cape Coral-Fort Myers it ranks 75 of 798, with a share of 0.2%, unchanged. It has reported since 2012.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Mortgage Warehouse took 191 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.5% · Refinance 30.5%
Conventional 85.1% · FHA 7.8% · VA 7.1% · of 141 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 | 71 | 50.4% |
| Kentucky | 61 | 43.3% |
| Indiana | 9 | 6.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 61 |
| Cape Coral-Fort Myers | 57 |
| Naples-Marco Island | 8 |
| Punta Gorda | 4 |
| Lexington-Fayette | 3 |
| Cincinnati | 1 |
| Elizabethtown | 1 |
| Elkhart-Goshen | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005G8JO0PPI0HN36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4531557 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 720687335 |
Established 8 April 2003. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: The Mortgage Warehouse's data.
The Mortgage Warehouse's data
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The Mortgage Warehouse 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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