Obsidian Financial Services, Inc NMLS #1425046
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Who is Obsidian Financial Services, Inc?
Obsidian Financial Services, Inc (NMLS #1425046) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerObsidian Financial Services, Inc
- NMLS #1425046
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- In the FreeRateUpdate network since
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 659 applications decided by OBSIDIAN FINANCIAL SERVICES, INC. in 2025, 654 were originated, 1 was approved but not accepted by the borrower, and 4 were denied.
- Median rate spread1.11 (reported on 612 originations, 42 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 99.4%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for OBSIDIAN FINANCIAL SERVICES, INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About Obsidian Financial Services, Inc
Overview
Obsidian Financial Services, Inc is a mortgage company that offers home purchase and refinance loan programs, including conventional and government-backed options. Its borrower information addresses first-time home buyers, repeat home buyers, and borrowers seeking cash-out refinancing.
Mortgage options
Mortgage options include conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, adjustable-rate mortgages, and non-QM loans. The company also offers refinance options, including cash-out refinancing, along with first-time home buyer programs, down payment assistance, investment-property programs, construction financing, fix-and-flip financing, and an Earned Equity Program.
How it works
A Quick Apply option is available, and borrowers can also contact the company or schedule a call. Obsidian Financial Services, Inc describes its processing and underwriting as in-house.
Locations
Obsidian Financial Services, Inc has 51 branches in 19 states, including offices in Florida, Texas, California, and Washington.
Company details and licensing
Obsidian Financial Services, Inc is a corporation formed in Florida, United States, on July 24, 2015. Its main office is at 2351 West Eau Gallie Blvd., Suite 2, Melbourne, Florida 32935.
Trade names include Obsidian Mortgage, Rejoice Mortgage Inc., and The Lender Ai. The NMLS company ID is 1425046. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #1425046 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is Obsidian Financial Services, Inc's NMLS number?
Obsidian Financial Services, Inc's NMLS number is 1425046. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified Obsidian Financial Services, Inc's NMLS ID?
Yes. We checked Obsidian Financial Services, Inc's company name and NMLS ID against the NMLS record on August 13, 2026. They've been in our lender network since February 2017. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about Obsidian Financial Services, Inc?
This page has Obsidian Financial Services, Inc's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.