Mortgage Financial Services, LLC: 2025 mortgage rates, costs & approvals
How Mortgage Financial Services, LLC priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: MORTGAGE FINANCIAL SERVICES, LLC · LEI 5493009F6BJDCZMZ7Y26
In 2025, Mortgage Financial Services, LLC originated 2,008 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 9 states — 281st by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.75% (all lenders: 6.625%); its median rate spread was 14 basis points above the national median. Median conventional loan costs were $6,690, 20% higher than the national median ($5,570).
It denied 1.5% of completed home-purchase applications (all lenders: 8.5%).
How Mortgage Financial Services, LLC priced home-purchase loans
| Purchase loans, 2025 | Mortgage Financial Services, LLC | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.750% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% |
| Rate spread vs. APOR · conventional | +0.27 pts | +0.13 pts |
| Total loan costs · conventional | $6,690 | $5,570 |
| Total loan costs · FHA | $11,260 | $11,310 |
| Total loan costs · VA | $8,370 | $6,490 |
| Origination charges (all types) | $2,790 | $1,860 |
| Borrowers paying discount points | 43.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.76% | 0.87% |
| Borrowers receiving lender credits | 39.4% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why Mortgage Financial Services, LLC denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where Mortgage Financial Services, LLC lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Texas | 1,695 | 1,725 | 1.8% | 6.625% | $7,030 |
| Arkansas | 203 | 203 | 0.0% | 6.990% | $5,210 |
| Louisiana | 46 | 47 | 2.2% | — | — |
| Tennessee | 40 | 40 | 0.0% | — | — |
| Mississippi | 17 | 17 | — | — | — |
| South Carolina | 3 | 3 | — | — | — |
| Oklahoma | 2 | 2 | — | — | — |
| Alabama | 1 | 1 | — | — | — |
| Florida | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Mortgage Financial Services, LLC's page for that state.
Counties where Mortgage Financial Services, LLC is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Coke County, TX | 1 | 6 | 33.3% |
| Sterling County, TX | 2 | 1 | 25.0% |
| Runnels County, TX | 1 | 14 | 20.9% |
| Tom Green County, TX | 1 | 260 | 17.0% |
| Jefferson County, AR | 1 | 67 | 14.6% |
| Concho County, TX | 3 | 2 | 12.5% |
| Irion County, TX | 2 | 1 | 12.5% |
| Bowie County, TX | 1 | 86 | 10.2% |
| La Salle County, TX | 4 | 1 | 10.0% |
| Lincoln County, AR | 2 | 4 | 8.0% |
| Schleicher County, TX | 4 | 1 | 7.7% |
| Miller County, AR | 2 | 26 | 7.4% |
| Cleveland County, AR | 4 | 4 | 7.4% |
| Grant County, AR | 4 | 17 | 6.4% |
| St. Francis County, AR | 5 | 5 | 6.3% |
Check Mortgage Financial Services, LLC yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493009F6BJDCZMZ7Y26.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from Mortgage Financial Services, LLC with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology