Applications / Mortgage Analytics / Lenders / California / Hometown Equity Mortgage / Fair lending
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
How to read this section
For Black, Hispanic and Asian applicants, we look at how much more often Hometown Equity Mortgage turns them down than White applicants: the gap. Then we compare that gap with the gap at similar lenders, for similar applications: the same income, loan size, debt-to-income range, loan-to-value, loan type, kind of property and place.
"Bigger gap" means we are at least 99% sure the gap is bigger than at similar lenders. That is a reason to look closer, not proof of discrimination. The public data has no credit scores and none of the documents a lender reviews, and the kind of loans a lender makes can widen a gap for good reasons. Each result below gives the numbers and the explanations they allow.
Hometown Equity Mortgage turns down some groups of applicants more often than White applicants. It turned down 59% of Black purchase applicants in 2025, against 41% of White ones. Nearly every lender shows gaps like this, partly because the groups apply with different incomes, debts, loan sizes and properties. So the test does not ask whether there is a gap. It asks whether Hometown Equity Mortgage's gap is bigger than the gap at similar lenders, for similar applications. For every group and loan purpose the answer was no: no gap was clearly bigger (that is, bigger with at least 99% certainty). The closest was Hispanic purchase applicants: we are 96.7% sure the gap is bigger, just under the 99% we require.
FIG. 1 — GAPS AGAINST SIMILAR LENDERS
None of Hometown Equity Mortgage's gaps is clearly bigger than similar lenders'.
Each dot compares Hometown Equity Mortgage's gap with the gap at similar lenders: at 1x they are the same, at 2x its gap is twice as large. A gap is how much more likely the group is to be turned down than White applicants. The line around each dot shows the range the true value probably lies in (95%). Amber: groups where we are at least 99% sure the gap is bigger.
SOURCE: FFIEC HMDA 2025; JENNER ANALYTICS NATIONAL DENIAL MODEL
| Applicants | Turned down: group | Turned down: White | How sure the gap is bigger | Result |
|---|---|---|---|---|
| Hispanic purchase | 51% | 41% | 96.7% | Not clearly bigger |
| Hispanic refinance | 57% | 54% | 88.7% | Not clearly bigger |
| Black purchase | 59% | 41% | 79.9% | Not clearly bigger |
| Black refinance | 68% | 54% | 73.3% | Not clearly bigger |
| Asian purchase | 47% | 41% | 76.5% | Not clearly bigger |
| Asian refinance | 54% | 54% | 83.7% | Not clearly bigger |
"How sure the gap is bigger": how sure we are that the lender's gap is bigger than at similar lenders. We call it bigger at 99% or more.
How this is calculated: the fair-lending method.
The data and the software behind these pages
Hometown Equity Mortgage's data
$215
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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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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Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
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