Applications / Mortgage Analytics / Lenders / Florida / Trailblazer Mortgage
Orlando, FL · Independent non-bank lender · CFPB · 1,661 loans in 2025
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1,661
loans originated, 2025
2,526
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Trailblazer Mortgage, an Orlando non-bank lender that first reported in 2022, makes almost nothing but home-purchase loans, mostly insured by the Federal Housing Administration (FHA), and has about doubled its lending since then.
Home purchases made up 99.9% of its loans. FHA loans were 62.9% of them, against 22.7% at similar lenders, independent non-banks making between half and twice as many loans; that is a higher share than at nearly all of them. It made no manufactured-home loans and no jumbo loans, those larger than the conforming limit.
Its loans rose 20% in 2025, to 1,661, against 5% for similar lenders and 10% for the whole market. They have risen every year since its first report, from 831 in 2022. Its share rose in Orlando and Lakeland-Winter Haven, reaching 1.1% in Lakeland-Winter Haven, where it ranks 18 of 560, and 0.5% in Orlando. It entered Gainesville, Georgia, in 2025 and took 0.9% at once.
Its typical rate was 4.99%, against 6.62% at similar lenders, lower than at almost all of them. Only 0.2% of its loans were higher-priced, with a rate well above the average for similar loans, against 2.3% at peers. The rate was the same 4.99% in 2024; the figures do not say what keeps it so low.
Low- and moderate-income (LMI) borrowers took 36.5% of its loans, against 28.5% at peers, more than at about three in four of them. Majority-minority neighborhoods received 43.4%, against 25.3%.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Trailblazer Mortgage took 2,526 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 99.9% · Refinance 0.1%
FHA 62.9% · Conventional 28.7% · VA 6.7% · USDA (RHS or FSA) 1.6% · of 1,661 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 |
|---|---|---|
| Georgia | 797 | 48.0% |
| Florida | 712 | 42.9% |
| Tennessee | 151 | 9.1% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 687 |
| Orlando-Kissimmee-Sanford | 275 |
| Lakeland-Winter Haven | 203 |
| Tampa | 181 |
| Nashville-Davidson--Murfreesboro--Franklin | 151 |
| Marietta | 69 |
| Gainesville | 39 |
| Deltona-Daytona Beach-Ormond Beach | 30 |
| Palm Bay-Melbourne-Titusville | 19 |
| North Port-Bradenton-Sarasota | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y6WN08IC7KWH70 | 2022–2025 |
Established 15 January 2021. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Trailblazer Mortgage's data.
Trailblazer Mortgage's data
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Trailblazer Mortgage 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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