Applications / Mortgage Analytics / Lenders / California / Carrington Mortgage Services
Orange, CA · Independent non-bank lender · CFPB · 15,089 loans in 2025
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15,089
loans originated, 2025
52,211
applications, 2025
53
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carrington Mortgage Services is mainly a refinance lender, with refinancing 85.0% of its 15,089 loans in 2025, spread thinly across 1,897 counties.
Refinances made up 85.0% of its loans and home purchases 15.0%. Originations rose 14% from 13,182, near the middle of similar lenders (independent non-bank lenders making between half and twice as many loans), whose growth was 17%, and above the whole market's 10%. It remains below its 37,327 loans in 2020.
FHA loans (insured by the Federal Housing Administration) made up 34.1% of its lending, against 26.4% at similar lenders, and VA loans (guaranteed by the Department of Veterans Affairs) 16.5%, against 8.8%, more than about nine in ten of them. Its typical loan was $195,000, against $285,000, smaller than more than four in five similar lenders.
It made 35.4% of its loans to LMI (low- and moderate-income) borrowers, against 30.2%, more than about three in four similar lenders. Its FHA lending and smaller loans could explain this. Its share in LMI areas, 21.5%, was near the middle.
It lends in 404 metros and 1,897 counties, with Florida its main state, but holds no large position in its biggest markets: it ranked 92 of 802 lenders in New York-Newark-Jersey City and 102 of 892 in Atlanta-Sandy Springs-Alpharetta. It entered Aguadilla, Puerto Rico in 2025.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carrington Mortgage Services took 52,211 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 85.0% · Purchase 15.0% · Home improvement 0.0%
Conventional 49.3% · FHA 34.1% · VA 16.5% · USDA (RHS or FSA) 0.1% · of 15,089 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 |
|---|---|---|
| Florida | 1,296 | 8.6% |
| California | 1,022 | 6.8% |
| Georgia | 873 | 5.8% |
| Texas | 848 | 5.6% |
| Indiana | 732 | 4.9% |
| North Carolina | 680 | 4.5% |
| Ohio | 675 | 4.5% |
| New York | 576 | 3.8% |
| Michigan | 570 | 3.8% |
| Tennessee | 533 | 3.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 423 |
| Phoenix-Mesa-Chandler | 236 |
| Riverside-San Bernardino-Ontario | 233 |
| New York-Jersey City-White Plains | 212 |
| Houston-Pasadena-The Woodlands | 204 |
| Chicago-Naperville-Schaumburg | 202 |
| Indianapolis-Carmel-Greenwood | 193 |
| Los Angeles-Long Beach-Glendale | 193 |
| Cincinnati | 187 |
| Tampa | 181 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R9S3MVDV4MGF56 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438179 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7208745846 |
Established 30 March 2007. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Carrington Mortgage Services's data.
Carrington Mortgage Services's data
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Carrington Mortgage 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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