Obsidian Financial Services Mortgage Lending & HMDA Data, 2025
In 2025, Obsidian Financial Services of Melbourne, FL reported 861 mortgage applications totaling $333.0 million. The average application was for $386,788, and applicants reported an average income of $159,813. 76% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Houston-The Woodlands-Sugar Land, TX (216), Riverside-San Bernardino-Ontario, CA (44) and West Palm Beach-Boca Raton-Delray Beach, FL (33) (applications in parentheses).
| Mortgage Company & Address | Obsidian Financial Services 2351 West Eau Gallie Blvd. Suite 2 Melbourne, FL 32935 |
| Federal Regulator | * available with data download |
| Years | 2025 |
| Total Number of Mortgage Applications | 861 |
| Total Mortgage Loan Application Amount | $333,025,000 |
| Average Mortgage Loan Application Amount | $386,788 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $159,813 |
| Highest Applicant Income | $6,154,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Obsidian Financial Services filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Houston-The Woodlands-Sugar Land, TX | 216 | $ 65,680,000 | $ 304,074 | $ 150,000 |
| Outside any metro area | 55 | $ 18,305,000 | $ 332,818 | $ 123,296 |
| Riverside-San Bernardino-Ontario, CA | 44 | $ 23,500,000 | $ 534,090 | $ 298,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 33 | $ 13,835,000 | $ 419,242 | $ 179,000 |
| Atlanta-Sandy Springs-Roswell, GA | 32 | $ 12,130,000 | $ 379,062 | $ 130,000 |
| Los Angeles-Long Beach-Glendale, CA | 31 | $ 21,255,000 | $ 685,645 | $ 192,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 27 | $ 10,305,000 | $ 381,666 | $ 134,000 |
| Dallas-Plano-Irving, TX | 24 | $ 8,360,000 | $ 348,333 | $ 156,000 |
| Columbus, OH | 20 | $ 4,710,000 | $ 235,500 | $ 87,000 |
| Miami-Miami Beach-Kendall, FL | 20 | $ 9,640,000 | $ 482,000 | $ 148,000 |
| San Diego-Carlsbad, CA | 19 | $ 13,875,000 | $ 730,263 | $ 234,000 |
| Indianapolis-Carmel-Anderson, IN | 17 | $ 5,455,000 | $ 320,882 | $ 112,000 |
| Jacksonville, FL | 14 | $ 3,670,000 | $ 262,142 | $ 82,000 |
| New York-Jersey City-White Plains, NY-NJ | 14 | $ 7,430,000 | $ 530,714 | $ 157,000 |
| Orlando-Kissimmee-Sanford, FL | 14 | $ 5,580,000 | $ 398,571 | $ 152,000 |
| San Antonio-New Braunfels, TX | 14 | $ 4,760,000 | $ 340,000 | $ 188,000 |
| Salt Lake City, UT | 13 | $ 6,105,000 | $ 469,615 | $ 107,000 |
| Corpus Christi, TX | 12 | $ 3,450,000 | $ 287,500 | $ 160,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 3,620,000 | $ 301,666 | $ 131,000 |
| Phoenix-Mesa-Scottsdale, AZ | 12 | $ 4,840,000 | $ 403,333 | $ 158,000 |
| Anaheim-Santa Ana-Irvine, CA | 11 | $ 11,845,000 | $ 1,076,818 | $ 632,000 |
| Lakeland-Winter Haven, FL | 10 | $ 3,020,000 | $ 302,000 | $ 117,000 |
| Tampa, FL | 10 | $ 3,790,000 | $ 379,000 | $ 95,000 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 2,670,000 | $ 333,750 | $ 87,750 |
| Cleveland, OH | 8 | $ 1,390,000 | $ 173,750 | $ 116,000 |
| Cape Coral-Fort Myers, FL | 7 | $ 2,525,000 | $ 360,714 | $ 119,000 |
| Marietta, GA | 7 | $ 2,305,000 | $ 329,285 | $ 102,000 |
| Port St. Lucie, FL | 7 | $ 2,665,000 | $ 380,714 | $ 110,000 |
| Toledo, OH | 7 | $ 3,075,000 | $ 439,285 | $ 162,000 |
| Chicago-Naperville, IL | 6 | $ 2,030,000 | $ 338,333 | $ 179,000 |
| Austin-Round Rock, TX | 5 | $ 2,925,000 | $ 585,000 | $ 291,000 |
| Eugene, OR | 5 | $ 1,835,000 | $ 367,000 | $ 284,000 |
| Baltimore-Columbia-Towson, MD | 4 | $ 1,770,000 | $ 442,500 | $ 91,000 |
| Camden, NJ | 4 | $ 1,630,000 | $ 407,500 | $ 147,000 |
| Lakewood-New Brunswick, NJ | 4 | $ 1,480,000 | $ 370,000 | $ 133,000 |
| Newark, NJ-PA | 4 | $ 2,500,000 | $ 625,000 | $ 142,000 |
| Akron, OH | 3 | $ 545,000 | $ 181,666 | $ 32,000 |
| Elgin, IL | 3 | $ 1,225,000 | $ 408,333 | $ 161,000 |
| Fairbanks, AK | 3 | $ 785,000 | $ 261,666 | $ 135,000 |
| Gainesville, FL | 3 | $ 525,000 | $ 175,000 | $ 351,000 |
| Memphis, TN-MS-AR | 3 | $ 645,000 | $ 215,000 | $ 76,000 |
| Provo-Orem, UT | 3 | $ 1,555,000 | $ 518,333 | $ 141,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 3 | $ 1,655,000 | $ 551,666 | $ 229,000 |
| Vallejo-Fairfield, CA | 3 | $ 1,255,000 | $ 418,333 | $ 118,000 |
| Washington, DC-MD | 3 | $ 1,415,000 | $ 471,666 | $ 369,000 |
| Beaumont-Port Arthur, TX | 2 | $ 430,000 | $ 215,000 | $ 79,000 |
| Birmingham-Hoover, AL | 2 | $ 460,000 | $ 230,000 | $ 54,000 |
| Charleston-North Charleston, SC | 2 | $ 420,000 | $ 210,000 | $ 134,000 |
| Chattanooga, TN-GA | 2 | $ 520,000 | $ 260,000 | $ 82,000 |
| Cleveland, TN | 2 | $ 530,000 | $ 265,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 2 | $ 320,000 | $ 160,000 | $ 53,000 |
| Lake County-Porter County-Jasper County, IN | 2 | $ 570,000 | $ 285,000 | $ 117,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 520,000 | $ 260,000 | $ 89,000 |
| Lexington Park, MD | 2 | $ 1,380,000 | $ 690,000 | $ 189,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 2 | $ 900,000 | $ 450,000 | $ 123,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 580,000 | $ 290,000 | $ 101,000 |
| Odessa, TX | 2 | $ 630,000 | $ 315,000 | $ 112,000 |
| Ogden-Clearfield, UT | 2 | $ 1,170,000 | $ 585,000 | $ 230,000 |
| Philadelphia, PA | 2 | $ 360,000 | $ 180,000 | $ 90,000 |
| Pittsburgh, PA | 2 | $ 360,000 | $ 180,000 | $ 76,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 2 | $ 490,000 | $ 245,000 | $ 93,000 |
| Sebastian-Vero Beach, FL | 2 | $ 960,000 | $ 480,000 | $ 165,000 |
| South Bend-Mishawaka, IN-MI | 2 | $ 800,000 | $ 400,000 | $ 487,000 |
| St. Louis, MO-IL | 2 | $ 230,000 | $ 115,000 | $ 30,000 |
| Warren-Troy-Farmington Hills, MI | 2 | $ 630,000 | $ 315,000 | $ 113,000 |
| Albany, OR | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Anchorage, AK | 1 | $ 385,000 | $ 385,000 | $ 264,000 |
| Asheville, NC | 1 | $ 525,000 | $ 525,000 | $ 127,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 375,000 | $ 375,000 | $ 169,000 |
| Bakersfield, CA | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| Chico, CA | 1 | $ 315,000 | $ 315,000 | $ 0 |
| College Station-Bryan, TX | 1 | $ 295,000 | $ 295,000 | $ 118,000 |
| Columbia, SC | 1 | $ 245,000 | $ 245,000 | $ 69,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 315,000 | $ 315,000 | $ 93,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 505,000 | $ 505,000 | $ 215,000 |
| Dover, DE | 1 | $ 535,000 | $ 535,000 | $ 100,000 |
| Fort Worth-Arlington, TX | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Fresno, CA | 1 | $ 535,000 | $ 535,000 | $ 143,000 |
| Grand Junction, CO | 1 | $ 645,000 | $ 645,000 | $ 250,000 |
| Greensboro-High Point, NC | 1 | $ 355,000 | $ 355,000 | $ 163,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 875,000 | $ 875,000 | $ 472,000 |
| Kankakee, IL | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Killeen-Temple, TX | 1 | $ 105,000 | $ 105,000 | $ 127,000 |
| Knoxville, TN | 1 | $ 105,000 | $ 105,000 | $ 2,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 165,000 | $ 165,000 | $ 114,000 |
| Merced, CA | 1 | $ 545,000 | $ 545,000 | $ 125,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 895,000 | $ 895,000 | $ 715,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 515,000 | $ 515,000 | $ 132,000 |
| Montgomery, AL | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 495,000 | $ 495,000 | $ 110,000 |
| Ocala, FL | 1 | $ 275,000 | $ 275,000 | $ 49,000 |
| Olympia-Tumwater, WA | 1 | $ 525,000 | $ 525,000 | $ 129,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 1 | $ 785,000 | $ 785,000 | $ 200,000 |
| Panama City, FL | 1 | $ 265,000 | $ 265,000 | $ 43,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 385,000 | $ 385,000 | $ 107,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Raleigh, NC | 1 | $ 245,000 | $ 245,000 | $ 143,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 565,000 | $ 565,000 | $ 115,000 |
| Santa Rosa, CA | 1 | $ 965,000 | $ 965,000 | $ 362,000 |
| Sebring, FL | 1 | $ 255,000 | $ 255,000 | $ 92,000 |
| Sherman-Denison, TX | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Springfield, MO | 1 | $ 125,000 | $ 125,000 | $ 28,000 |
| Springfield, OH | 1 | $ 315,000 | $ 315,000 | $ 106,000 |
| St. Petersburg-Clearwater-Largo, FL | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Tallahassee, FL | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Trenton, NJ | 1 | $ 315,000 | $ 315,000 | $ 80,000 |
| Waco, TX | 1 | $ 305,000 | $ 305,000 | $ 183,000 |
| York-Hanover, PA | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Obsidian Financial Services in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 725 | $280,825,000 | $387,000 | $1,725,000 | $155,000 | $6,154,000 |
| Cash-out Refinancing | 70 | $22,810,000 | $325,000 | $1,055,000 | $168,000 | $1,730,000 |
| Refinancing | 66 | $29,390,000 | $445,000 | $4,005,000 | $204,000 | $1,380,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 359 | $127,305,000 | $354,000 | $1,385,000 | $140,000 | $3,105,000 |
| White | 175 | $72,425,000 | $413,000 | $1,725,000 | $234,000 | $6,154,000 |
| Not Provided | 160 | $60,320,000 | $377,000 | $1,105,000 | $130,000 | $540,000 |
| Black or African American | 129 | $44,075,000 | $341,000 | $1,055,000 | $119,000 | $828,000 |
| Asian | 36 | $28,230,000 | $784,000 | $4,005,000 | $249,000 | $960,000 |
| American Indian or Alaskan Native | 1 | $545,000 | $545,000 | $545,000 | $149,000 | $149,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $125,000 | $125,000 | $125,000 | $28,000 | $28,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| FHA-insured (Federal Housing Administration) | 494 | $180,660,000 | $365,000 | $1,375,000 | $122,000 | $736,000 |
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 322 | $133,680,000 | $415,000 | $4,005,000 | $223,000 | $6,154,000 |
| VA-guaranteed (Veterans Administration) | 42 | $18,000,000 | $428,000 | $1,205,000 | $126,000 | $510,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $685,000 | $228,000 | $255,000 | $80,000 | $109,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 654 | $256,570,000 | $392,000 | $4,005,000 | $158,000 | $3,105,000 |
| Application Withdrawn By Applicant | 183 | $66,235,000 | $361,000 | $1,725,000 | $169,000 | $6,154,000 |
| Preapproval Approved but not Accepted | 13 | $4,665,000 | $358,000 | $935,000 | $91,000 | $144,000 |
| File Closed For Incompleteness | 6 | $3,360,000 | $560,000 | $1,535,000 | $222,000 | $527,000 |
| Application Denied By Financial Institution | 4 | $1,380,000 | $345,000 | $525,000 | $100,000 | $112,000 |
| Application Approved But Not Accepted | 1 | $815,000 | $815,000 | $815,000 | $162,000 | $162,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 857 | $331,645,000 | $386,000 | $4,005,000 | $160,000 | $6,154,000 |
| Debt-To-Income Ratio | 4 | $1,380,000 | $345,000 | $525,000 | $100,000 | $112,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Obsidian Financial Services's 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Obsidian Financial Services's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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