Florida Mortgage & Lending Research

Snapshot metrics

Current Florida licensing

6,394 Approved company license credentials across 6,289 unique company NMLS identities. Credentials are not companies. Some companies hold two or three credentials. Do not call this 6,394 Florida lenders.

• Dual Approved MBR + MLD companies: 50 unique NMLS identities.
• Multiplicity: 6,186 companies with 1 credential; 101 with 2; 2 with 3.
• MLD credentials with OFR SERVICER=Yes: 501 credential rows (501 unique company NMLS). Blank/No does not mean the company never services mortgages.
• Phone present on 5,912 / 6,394 credentials (92.46%). Primary address 1 on all 6,394 rows. Mail address 1 on 6,271. These are credential-level observations and are not merged.
• OFR primary state = FL on 2,668 credentials. Out-of-state HQ addresses are legitimate. PRIM COUNTY is license/business address evidence — not service territory, operating county, or branch footprint. This page does not create county market pages.

Canonical identity coverage

Confirmed canonical company identities: 6,267 / 6,289 (99.7%). REVIEW_REQUIRED: 22 / 6,289 (23 credential rows). Those 22 are official Approved OFR records whose canonical national relationship remains held for review. They are not unlicensed, invalid, or fake. The 3,907 unresolved OFR source-company identities from FL-LEND-002D are a different grain and are not this Approved-roster hold count.

Regulatory & Enforcement History

Connected OFR final-agency-action records from July 2015 forward (DOAH FLAIO). This is not all Florida OFR enforcement history. Pre-July 2015 orders remain in interactive REAL search and were not bulk-acquired. The FLAIO corpus is final agency action — not automatically an adverse disciplinary finding.

Official documents: 952 / 952 company observations have an OFR/FLAIO PDF URL. 943 were text-extractable; 9 were not (no OCR).

Person-subject FLAIO listings (1,531) and branch-subject listings (31) are stored separately and are not company enforcement counts. Mixed company/person: 1. Total internal observations including those subjects: 2,515 — not “Florida lender company enforcement actions.”

Company observation types

Normalized from FLAIO type and subject. Raw action type is preserved. Not all 952 are disciplinary findings.

Finding posture

Consent / settlement order is not an admission of every allegation unless the order says so. NOT_DISCIPLINE (including some declaratory and application outcomes) must not be read as enforcement misconduct. Final agency action includes dismissals, approvals, withdrawals, denials, and consent orders.

• Agency findings: 458
• Consent / settlement orders: 393
• Unspecified: 78
• Not discipline: 23

No standalone administrative-complaint metric is built from this dataset. FLAIO is a final-agency-action corpus; complaint exhibits inside PDFs were not counted as separate findings.

Fines and license actions

436 fine-bearing observations are a subset of the 952 company events — not 952 + 436 events. $2.05M in machine-extractable OFR fine/penalty amounts observed in the connected July-2015-forward FLAIO company corpus. That is not “total Florida lender fines since 2015.” Spelled-out amounts without structured $ values were not inferred.

Explicit company-subject PDF evidence: 29 revocations and 8 suspensions. 393 company documents reference stipulation/consent. Company emergency orders: 1. Ordinary consent-order “cease and desist” boilerplate is not counted as emergency action.

Florida HMDA lending activity

State-grain HMDA / FFIEC LEI summaries with state_code=FL. Vintage: HMDA 2025. Source observed 2025-12-31. This measures reporting activity in Florida, not lender quality, and not Chapter 494 licensure. Many brokers are not HMDA reporters; depositories may originate in Florida without an OFR company license when exempt.

Attribution: 1,069 confirmed, 718 unresolved, 7 review-required. Unresolved rows remain in the application/origination totals. No lender ranking. No demographic fairness score.

Florida consumer complaint observations

CFPB Consumer Complaint Database rows with consumer state Florida, in the mortgage-scoped production table (47,961 observations). These are consumer-submitted records — not violations, not proven misconduct, and not OFR findings. Geography is complaint-reported-from, never licensed-in. Unattributed rows are included.

Date range 2011-12-01 to 2026-08-24. Source observed 2026-08-26. Review-required: 23.

Complaints by year

Frequent issues

• Loan modification,collection,foreclosure12,786
• Trouble during payment process12,312
• Loan servicing, payments, escrow account7,396
• Struggling to pay mortgage5,848
• Applying for a mortgage or refinancing an existing mortgage2,620
• Closing on a mortgage1,865
• Application, originator, mortgage broker1,576
• Other1,172

Federal enforcement overlay

FEDERAL evidence is kept separate from Florida OFR. National federal enforcement events in production: 17,655. A Florida-relevant overlay was attempted only where a confirmed federal respondent shares a canonical institution with a confirmed current Florida Chapter 494 company credential — not from headquarters or address. That identity intersection is currently 0 events / 0 institutions, so no federal count appears in the hero. Separate sovereign actions are not summed and not auto-deduplicated. Many Chapter 494 companies are nonbanks and are not banks, credit unions, or federally supervised depositories.

Important limitations

• 6,394 credentials ≠ 6,289 companies.
• 22 Approved company NMLS identities remain REVIEW_REQUIRED. That is not the 3,907 unresolved OFR source identities from FL-LEND-002D.
• OFR FLAIO automated coverage begins July 2015. Pre-2015 REAL search is not in the P0 bulk corpus.
• 607 company orders cannot currently be safely attached to the CURRENT Approved company identity foundation.
• 9 company PDFs were not text extractable. Fine-dollar coverage is partial.
• CFPB complaints are consumer reports, not findings.
• HMDA measures lending activity/reporting, not lender quality.
• OFR business address/county is not service territory.
• Branch entities (6,682) are not branch license rows (7,426). Distinct FL MLO NMLS (135,218) are not LO license rows (150,223). No Trust Score, complaint score, or ranking.

Sources & methodology

Snapshot generated 2026-08-30T16:22:07.696760+00:00. That is not a claim that every underlying source updated on that day.

Read the hub methodology. Confirm licenses on NMLS Consumer Access and Florida OFR.