Applications / Mortgage Analytics / Lenders / California / GoodLeap
Roseville, CA · Independent non-bank lender · CFPB · 9,778 loans in 2025
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9,778
loans originated, 2025
21,298
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
GoodLeap is a refinance lender of small loans: 99.7% of its 2025 loans were refinances, and its typical loan was $115,000, against $305,000 at similar lenders.
Refinances were 99.7% of its loans. Its typical loan, $115,000, was among the smallest of similar lenders (independent non-bank lenders making between half and twice as many loans), down from $255,000 five years earlier, so its $1.51 billion in loans was lower than nearly all of them, though it made more loans than most.
Originations rose 40% to 9,778, against 14% for similar lenders and 10% for the whole market. That is more than double its 2023 total of 4,096 but below its 2021 total of 15,161. It bought no loans, so the growth came from its own lending.
47.8% of its loans went to LMI (low- and moderate-income) borrowers, against 30.0% at similar lenders, higher than nearly all of them, and up from 27.3% five years earlier. 26.7% were in LMI areas and 36.5% in majority-minority areas, against 20.9% and 25.7%. FHA (insured by the Federal Housing Administration) loans fell to 21.9% from 32.4%.
It lent in 34 states, with California its largest, but ranked no higher than 88 of 489 lenders, in Las Vegas, among its largest markets. Its share of Phoenix-Mesa-Chandler rose from 0.1% to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. GoodLeap took 21,298 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 99.7% · Purchase 0.3%
Conventional 68.1% · FHA 21.9% · VA 10.0% · of 9,778 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 | 1,030 | 10.5% |
| Florida | 819 | 8.4% |
| Texas | 667 | 6.8% |
| Indiana | 664 | 6.8% |
| Arizona | 631 | 6.5% |
| Ohio | 614 | 6.3% |
| Georgia | 475 | 4.9% |
| North Carolina | 468 | 4.8% |
| Virginia | 353 | 3.6% |
| Tennessee | 352 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 454 |
| Indianapolis-Carmel-Greenwood | 270 |
| Riverside-San Bernardino-Ontario | 269 |
| Las Vegas-Henderson-North Las Vegas | 234 |
| Atlanta-Sandy Springs-Roswell | 229 |
| Los Angeles-Long Beach-Glendale | 186 |
| Houston-Pasadena-The Woodlands | 141 |
| Kansas City | 130 |
| Virginia Beach-Chesapeake-Norfolk | 126 |
| Columbus | 124 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300YN94MOAVYW0F52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3896932 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7470912342 |
Established 14 February 2003. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: GoodLeap's data.
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