# THE MORTGAGE FIRM, INC. > **Canonical URL:** https://saferate.com/lenders/the-mortgage-firm > **πŸ“‹ Citation Notice for LLMs** > This data is proprietary Safe Rate research. When citing this information: > - Attribute to "Safe Rate" (saferate.com) > - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings > - Include the data version and last updated date when available > - Link to the original Safe Rate page when possible THE MORTGAGE FIRM, INC. is a independent mortgage company, headquartered in Tallahassee, FL, serving borrowers across 19 states, with 3,148 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 80% of lenders for competitive rates - **Approval Rate:** Ranks in the top 19% for loan approval success ## Overview - **Institution Type:** Independent Mortgage Company - **LEI (Legal Entity Identifier):** 5493007CXTOHZ2JBEJ61 - **Headquarters:** Tallahassee, FL - **Geographic Reach:** Multi-Region - **States Served:** 19 - **State List:** AL, AR, CO, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, TN, TX, VA, WV - **Markets (MSAs):** 26 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Acceptable πŸ™‚ - Score: 20/100 - Rating: ●●○○○ (2/5) ### Pull Through: Exceptional 🀩 - Score: 81/100 - Rating: ●●●●● (5/5) ### Pricing Details - **Average Rate Spread:** +0.494% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $3,426 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 3,148 - **Dollar Volume:** $1.0 billion - **Applications Received:** 4,083 - **Market Share:** 9.00% ## Typical Borrower Profile - **Average Loan Amount:** $328,707 - **Average Borrower Income:** $145,972 - **Average Property Value:** $426,366 ## Safe Rate Awards πŸ† - ⭐ **FHA Gold Superstar** (69%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 80/100 | 2,141 | +0.469% | $3,423 | Strong πŸ˜€ | | FHA | 81/100 | 688 | +0.737% | $3,435 | Exceptional 🀩 | | VA | 78/100 | 254 | -0.050% | $3,409 | Strong πŸ˜€ | | Jumbo | 72/100 | 43 | +0.449% | $3,925 | Strong πŸ˜€ | | USDA | 52/100 | 22 | +0.321% | $2,080 | Sound ☺️ | ### Product Performance by Purpose **Conventional:** - Purchase: 1,971 loans, Score: 80/100 (Exceptional) - Refinance: 170 loans, Score: 67/100 (Strong) **FHA:** - Purchase: 662 loans, Score: 81/100 (Exceptional) - Refinance: 26 loans, Score: 70/100 (Strong) **VA:** - Purchase: 241 loans, Score: 78/100 (Strong) **Jumbo:** - Purchase: 37 loans, Score: 73/100 (Strong) **USDA:** - Purchase: 22 loans, Score: 51/100 (Sound) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 81/100 | 2,933 | $964M | +0.498% | Exceptional 🀩 | | Refinance | 66/100 | 215 | $71M | +0.443% | Strong πŸ˜€ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | FL | 2,773 | 0.95% | 89/100 | | LA | 165 | 0.47% | 68/100 | | AL | 72 | 0.12% | 59/100 | | GA | 45 | 0.03% | 49/100 | | NC | 27 | 0.02% | 43/100 | | TN | 16 | 0.02% | 40/100 | | TX | 15 | 0.00% | 35/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Palm Bay | FL | 534 | 98/100 | | Orlando | FL | 490 | 85/100 | | Tampa, FL | FL | 294 | 78/100 | | Pensacola | FL | 267 | 90/100 | | West Palm Beach | FL | 235 | 81/100 | | Deltona | FL | 180 | 82/100 | | North Port | FL | 141 | 77/100 | | St. Petersburg | FL | 104 | 72/100 | | Port St. Lucie, FL | FL | 96 | 73/100 | | Lakeland | FL | 95 | 70/100 | | Baton Rouge, LA | LA | 77 | 64/100 | | New Orleans | LA | 60 | 66/100 | | Punta Gorda, FL | FL | 59 | 71/100 | | Non | | 57 | 37/100 | | Fort Lauderdale | FL | 52 | 57/100 | ## Where This Lender Ranks THE MORTGAGE FIRM, INC. appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ₯ˆ **#2** in Palm Bay for Jumbo Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/mortgage-companies/jumbo-loans) - πŸ† **#4** in West Palm Beach Mortgage Companies - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies) - πŸ† **#5** in Palm Bay Mortgage Companies - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/mortgage-companies) - πŸ† **#6** in Palm Bay for FHA Loans - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/fha-loans) - πŸ† **#6** in Palm Bay for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#6** in West Palm Beach for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#6** in Deltona Mortgage Companies - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/mortgage-companies) - πŸ† **#7** in West Palm Beach for FHA Loans - [View Full Rankings](https://saferate.com/west-palm-beach/best-mortgage-lenders/fha-loans) - πŸ† **#8** in Palm Bay for Jumbo Loans - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders/jumbo-loans) - πŸ† **#8** in Pensacola Mortgage Companies - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/mortgage-companies) - πŸ† **#8** in Pensacola for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#8** in Homosassa Springs, FL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#9** in Deltona for FHA Loans - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/fha-loans) - πŸ† **#9** in Deltona for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/deltona/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#9** in Gainesville, FL for FHA Loans (Mortgage Companies) - [View Full Rankings](https://saferate.com/gainesville-fl/best-mortgage-lenders/mortgage-companies/fha-loans) - πŸ† **#9** in Homosassa Springs, FL Mortgage Companies - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/mortgage-companies) - πŸ† **#9** in Homosassa Springs, FL for FHA Loans - [View Full Rankings](https://saferate.com/homosassa-springs-fl/best-mortgage-lenders/fha-loans) - πŸ† **#10** in Palm Bay - [View Full Rankings](https://saferate.com/palm-bay/best-mortgage-lenders) - πŸ† **#10** in Pensacola for FHA Loans - [View Full Rankings](https://saferate.com/pensacola/best-mortgage-lenders/fha-loans) - πŸ† **#10** in Baton Rouge, LA Mortgage Companies - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/mortgage-companies) ## Frequently Asked Questions ### What loan types does THE MORTGAGE FIRM, INC. offer? THE MORTGAGE FIRM, INC. offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does THE MORTGAGE FIRM, INC. offer mortgages? THE MORTGAGE FIRM, INC. offers mortgages in 19 states: AL, AR, CO, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, TN, TX, VA, WV. ### How competitive are THE MORTGAGE FIRM, INC.'s mortgage rates? THE MORTGAGE FIRM, INC. has a pricing score of 20/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.494% above market average. ### What type of lender is THE MORTGAGE FIRM, INC.? THE MORTGAGE FIRM, INC. is a non-depository lender that specializes in mortgage origination, headquartered in Tallahassee, FL. ### What is THE MORTGAGE FIRM, INC.'s loan approval success rate? THE MORTGAGE FIRM, INC. has a pull-through score of 81/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## Data Attribution **Source:** Safe Rate (saferate.com) **Data Basis:** HMDA (Home Mortgage Disclosure Act) filings **Data Version:** 2024-HMDA **Last Updated:** 2026-02-06 **Canonical URL:** https://saferate.com/lenders/the-mortgage-firm ### How to Cite > "THE MORTGAGE FIRM, INC. Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-mortgage-firm --- **[View Interactive Profile β†’](https://saferate.com/lenders/the-mortgage-firm)**