Applications / Mortgage Analytics / Lenders / California / Hometown Equity Mortgage
Lake Forest, CA · Independent non-bank lender · CFPB · 7,540 loans in 2025
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7,540
loans originated, 2025
14,901
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hometown Equity Mortgage is a national lender of conventional loans, active in all 50 states, that grew 70% in 2025, faster than nearly nine in ten similar lenders.
Originations rose 70% to 7,540, against 14% for similar lenders (independent non-bank lenders making between half and twice as many loans) and 10% for the whole market. Refinancing was 52.1% of its lending and home purchases 47.9%. Its 2025 total is close to its 2021 high of 7,580.
Conventional loans made up 94.1% of its lending, against 64.2% at similar lenders; five years earlier they were 49.3%. FHA loans (insured by the Federal Housing Administration) fell from 39.5% to 5.3% over those years, and VA loans (guaranteed by the Department of Veterans Affairs) from 6.8% to 0.3%. Jumbo loans (larger than the conforming limit) were 6.6%, against 1.2%.
It made 34.4% of its loans in LMI (low- and moderate-income) areas, against 20.7%, more than nearly all similar lenders, and 53.0% in majority-minority areas, against 25.6%. Only 12.5% went to LMI borrowers, against 29.9%, among the lowest tenth. Its small FHA share and its larger loans may explain this, since FHA lending often serves lower-income buyers.
It lends in 305 metros. In its largest markets, New York, Los Angeles and Miami, it ranked 65 of 802, 51 of 757 and 37 of 937. In Riverside-San Bernardino-Ontario its share held at 0.5%. In 2025 it entered Portland, ME, Amarillo and Watertown-Fort Drum.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hometown Equity Mortgage took 14,901 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.1% · Purchase 47.9%
Conventional 94.1% · FHA 5.3% · VA 0.3% · USDA (RHS or FSA) 0.3% · of 7,540 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 | 1,457 | 19.3% |
| California | 1,424 | 18.9% |
| Texas | 795 | 10.5% |
| New York | 714 | 9.5% |
| New Jersey | 302 | 4.0% |
| Georgia | 259 | 3.4% |
| North Carolina | 179 | 2.4% |
| Pennsylvania | 177 | 2.3% |
| Arizona | 172 | 2.3% |
| Tennessee | 151 | 2.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 500 |
| New York-Jersey City-White Plains | 383 |
| Houston-Pasadena-The Woodlands | 318 |
| Riverside-San Bernardino-Ontario | 308 |
| Miami-Miami Beach-Kendall | 237 |
| Orlando-Kissimmee-Sanford | 221 |
| Fort Lauderdale-Pompano Beach-Sunrise | 173 |
| Atlanta-Sandy Springs-Roswell | 149 |
| Phoenix-Mesa-Chandler | 139 |
| Tampa | 132 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RA3E0BUFO7YZ21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4183509 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7431937428 | 2009–2017 |
Established 4 September 2001. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Hometown Equity Mortgage's data.
Hometown Equity Mortgage's data
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Hometown Equity Mortgage 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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