Applications / Mortgage Analytics / Lenders / California / Lendage
San Mateo, CA · Non-bank or government lender · CFPB · 10,890 loans in 2025
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10,890
loans originated, 2025
15,401
applications, 2025
29
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lendage is a lender of very small loans for home improvement and other purposes: its typical loan was $65,000, against $245,000 at similar lenders, and almost none were for buying a home.
Loans for other purposes were 63.6% of its lending, refinances 19.2% and home improvement 16.9%; purchases were 0.3%. Its typical loan, $65,000, was the smallest among similar lenders (non-bank or government lenders making between a quarter and four times as many loans). Every loan was conventional, as at its peers.
It made 10,890 loans, more than about four in five similar lenders, but its $793.8 million total was lower than more than nine in ten of them, because its loans are so small.
Originations rose 31% from 8,331, against 23% for similar lenders and 10% for the whole market. It first reported in 2023, with 4,653 loans. It lends in 29 states, with California its largest, and in 2025 entered Hammond, Lake Charles and non-metro Louisiana.
21.3% of its loans went to LMI (low- and moderate-income) borrowers, against 14.6% at similar lenders, a higher share than more than two-thirds of them, and up from 17.8% in 2024.
Questions the data can answer next
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lendage took 15,401 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 63.6% · Refinance 19.2% · Home improvement 16.9% · Purchase 0.3%
Conventional 100.0% · of 10,890 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 | 1,076 | 9.9% |
| Texas | 945 | 8.7% |
| Florida | 885 | 8.1% |
| Ohio | 719 | 6.6% |
| Illinois | 683 | 6.3% |
| Pennsylvania | 647 | 5.9% |
| Georgia | 617 | 5.7% |
| New Jersey | 614 | 5.6% |
| North Carolina | 534 | 4.9% |
| Michigan | 458 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chicago-Naperville-Schaumburg | 370 |
| Phoenix-Mesa-Chandler | 298 |
| Atlanta-Sandy Springs-Roswell | 278 |
| Houston-Pasadena-The Woodlands | 268 |
| Riverside-San Bernardino-Ontario | 234 |
| Lakewood-New Brunswick | 191 |
| Dallas-Plano-Irving | 190 |
| Warren-Troy-Farmington Hills | 165 |
| Orlando-Kissimmee-Sanford | 157 |
| Los Angeles-Long Beach-Glendale | 153 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490066WMF8ZMQXQB18 | 2023–2025 |
Established 20 September 2018. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Lendage's data.
Lendage's data
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