The Mortgage Firm, Inc.: 2025 mortgage rates, costs & approvals
How The Mortgage Firm, Inc. priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: THE MORTGAGE FIRM, INC. · LEI 5493007CXTOHZ2JBEJ61
In 2025, The Mortgage Firm, Inc. originated 2,837 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 17 states — 202nd by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.875% (all lenders: 6.625%); its median rate spread was 20 basis points above the national median. Median conventional loan costs were $6,020, 8% higher than the national median ($5,570).
It denied 2.7% of completed home-purchase applications (all lenders: 8.5%).
How The Mortgage Firm, Inc. priced home-purchase loans
| Purchase loans, 2025 | The Mortgage Firm, Inc. | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.875% | 6.625% |
| 30-year fixed rate · FHA | 6.500% | 6.250% |
| 30-year fixed rate · VA | 6.625% | 6.125% |
| 15-year fixed rate · conventional | 6.250% | 5.875% |
| Rate spread vs. APOR · conventional | +0.33 pts | +0.13 pts |
| Total loan costs · conventional | $6,020 | $5,570 |
| Total loan costs · FHA | $10,880 | $11,310 |
| Total loan costs · VA | $6,120 | $6,490 |
| Origination charges (all types) | $2,150 | $1,860 |
| Borrowers paying discount points | 56.3% | 51.3% |
| Points paid, when paid (% of loan) | 0.57% | 0.87% |
| Borrowers receiving lender credits | 21.3% | 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 The Mortgage Firm, Inc. denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where The Mortgage Firm, Inc. lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Florida | 2,473 | 2,738 | 2.6% | 6.875% | $6,210 |
| Louisiana | 150 | 175 | 3.6% | 6.790% | $4,910 |
| Alabama | 74 | 86 | 8.0% | 6.750% | $4,470 |
| Georgia | 47 | 53 | 0.0% | — | $5,580 |
| Indiana | 20 | 23 | 0.0% | — | — |
| Texas | 13 | 14 | — | — | — |
| Tennessee | 12 | 13 | — | — | — |
| Mississippi | 10 | 11 | — | — | — |
| South Carolina | 8 | 8 | — | — | — |
| North Carolina | 7 | 7 | — | — | — |
| West Virginia | 5 | 6 | — | — | — |
| Virginia | 4 | 6 | — | — | — |
| Kentucky | 4 | 4 | — | — | — |
| Ohio | 4 | 4 | — | — | — |
| Colorado | 3 | 5 | — | — | — |
| Maryland | 2 | 2 | — | — | — |
| Arkansas | 1 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open The Mortgage Firm, Inc.'s page for that state.
Counties where The Mortgage Firm, Inc. is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Brevard County, FL | 4 | 481 | 4.3% |
| Escambia County, FL | 6 | 145 | 3.2% |
| Seminole County, FL | 5 | 126 | 2.2% |
| Sarasota County, FL | 8 | 145 | 2.1% |
| Taylor County, FL | 14 | 2 | 1.8% |
| Jefferson County, FL | 17 | 2 | 1.7% |
| Levy County, FL | 13 | 6 | 1.6% |
| Volusia County, FL | 11 | 136 | 1.6% |
| Coosa County, AL | 21 | 1 | 1.5% |
| Toombs County, GA | 15 | 2 | 1.5% |
| Santa Rosa County, FL | 15 | 66 | 1.5% |
| Jasper County, GA | 19 | 5 | 1.5% |
| Alachua County, FL | 14 | 39 | 1.4% |
| East Feliciana Parish, LA | 13 | 2 | 1.4% |
| Summers County, WV | 12 | 1 | 1.4% |
Check The Mortgage Firm, Inc. yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493007CXTOHZ2JBEJ61.
- 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 The Mortgage Firm, Inc. 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