Applications / Mortgage Analytics / Lenders / New Jersey / HomeBridge Financial Services
Iselin, NJ · Independent non-bank lender · CFPB · 17,312 loans in 2025
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17,312
loans originated, 2025
25,005
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
HomeBridge Financial Services lends mostly for home improvement and other purposes rather than home purchases, and grew 49% in 2025, faster than most similar lenders.
Other-purpose loans were 40.8% of its lending and home improvement 30.7%; purchases were 16.0% and refinances 12.4%. Its typical loan was $155,000, against $295,000 five years earlier and $285,000 at similar lenders (independent non-bank lenders making between half and twice as many loans). FHA loans (insured by the Federal Housing Administration) fell to 7.8% from 27.0% over the same five years, and conventional loans rose to 86.0%.
It made 17,312 loans, up 49%, against 12% for similar lenders and 10% for the whole market, faster than more than eight in ten of them. That is still far below the 78,469 it made in 2020. It also bought 5,023 loans, up from 288, while similar lenders typically bought 63.
Its typical rate was 10.04%, against 6.62% at similar lenders, higher than at nearly all of them. Home-improvement and other-purpose loans, which together make up most of its lending, could account for most of that difference.
38.9% of its loans were in majority-minority areas, against 27.6% at similar lenders, higher than at more than eight in ten of them, and up from 27.2% five years earlier. Its share in LMI (low- and moderate-income) areas, 21.1%, was close to theirs.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. HomeBridge Financial Services took 25,005 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 40.8% · Home improvement 30.7% · Purchase 16.0% · Refinance 12.4%
Conventional 86.0% · FHA 7.8% · VA 6.1% · USDA (RHS or FSA) 0.1% · of 17,312 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 3,155 | 18.2% |
| Florida | 2,433 | 14.1% |
| New York | 1,590 | 9.2% |
| Texas | 1,135 | 6.6% |
| New Jersey | 989 | 5.7% |
| Georgia | 669 | 3.9% |
| Arizona | 590 | 3.4% |
| Virginia | 485 | 2.8% |
| North Carolina | 461 | 2.7% |
| Colorado | 424 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 952 |
| Los Angeles-Long Beach-Glendale | 840 |
| Riverside-San Bernardino-Ontario | 575 |
| Nassau County-Suffolk County | 481 |
| Phoenix-Mesa-Chandler | 445 |
| Miami-Miami Beach-Kendall | 433 |
| San Diego-Chula Vista-Carlsbad | 407 |
| Atlanta-Sandy Springs-Roswell | 350 |
| Lakewood-New Brunswick | 331 |
| Houston-Pasadena-The Woodlands | 312 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001WHVQBGRSWEU75 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3881554 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77811300008 | 1998–2017 |
Established 14 August 1991. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: HomeBridge Financial Services's data.
HomeBridge Financial Services's data
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HomeBridge Financial Services and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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