2025 · Florida
Most active investment-property lenders in Florida
In 2025, 47,108 investment-property loans were originated on single-family 1-4 unit homes in Florida. These are the lenders that wrote the most of them, by HMDA-reported volume.
Florida lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | United Shore Financial Services, LLC | DSCR / biz | 3,788 | $1.1B | 100% |
| 2 | A&D Mortgage LLC | DSCR / biz | 2,721 | $846M | 99% |
| 3 | Kiavi Funding, Inc. | DSCR / biz | 2,360 | $709M | 100% |
| 4 | Crosscountry Mortgage, Inc. | DSCR / biz | 1,474 | $551M | 100% |
| 5 | Champions Funding, LLC | DSCR / biz | 1,413 | $535M | 100% |
| 6 | Hometown Equity Mortgage, LLC | DSCR / biz | 1,083 | $442M | 95% |
| 7 | Amwest Funding Corp. | DSCR / biz | 1,016 | $302M | 94% |
| 8 | The Loan Store, Inc. | Mixed | 980 | $350M | 39% |
| 9 | Homexpress Mortgage Corp. | DSCR / biz | 965 | $316M | 99% |
| 10 | Angel Oak Mortgage Solutions LLC | DSCR / biz | 951 | $334M | 100% |
Lenders with at least 10 reported investor originations in Florida, top 10.
How investors borrow in Florida
The rate premium, denial rate, and DSCR share in Florida — Investor Financing Report.
Where Florida cash-flows
Gross rental yield and top metros in Florida — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in Florida?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in Florida were United Shore Financial Services, LLC (3,788 originations), A&D Mortgage LLC (2,721), and Kiavi Funding, Inc. (2,360). 47,108 investor loans were originated statewide.
Which Florida lenders focus on DSCR / business-purpose loans?
Lenders whose Florida investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include United Shore Financial Services, LLC, A&D Mortgage LLC, Kiavi Funding, Inc., Crosscountry Mortgage, Inc.. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Compare lenders serving Florida
This ranks reported volume. To compare rates, LTV, and terms from lenders that actively lend in Florida, browse our directory: DSCR lenders, hard money, and fix-and-flip lenders in Florida.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.