# THE MORTGAGE FIRM, INC.

> **Canonical URL:** https://saferate.com/lenders/the-mortgage-firm

> **📋 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 🙂
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 81/100 | 688 | +0.737% | $3,435 | Exceptional 🤩 |
| VA | 78/100 | 254 | -0.050% | $3,409 | Strong 😀 |
| Jumbo | 72/100 | 43 | +0.449% | $3,925 | Strong 😀 |
| 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 😀 |

## 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 |

## 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.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**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

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