Applications / Mortgage Analytics / Lenders / California / Nexera Holding
Emeryville, CA · Non-bank lender · CFPB · 5,802 loans in 2025
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5,802
loans originated, 2025
10,661
applications, 2025
48
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nexera Holding is a California-based lender of conventional loans, half of them refinances, and its 5,802 loans in 2025 were more than double the 2,422 it made five years earlier.
Conventional loans made up 99.4% of its lending, against 59.4% at similar lenders (non-bank lenders making between half and twice as many loans). There are only 10 of them, so these comparisons are rough. Its jumbo share (loans larger than the conforming limit) was 16.3%, against 1.2%, the highest among them, and its typical loan was $345,000, against $305,000.
Home purchase and refinancing each made up 50.0% of its loans. FHA loans (insured by the Federal Housing Administration) were 0.6%, against 27.6% at similar lenders, and VA loans (guaranteed by the Department of Veterans Affairs) 0.0%.
Only 9.4% of its loans went to LMI (low- and moderate-income) borrowers, against 25.9%, lower than about nine in ten similar lenders. Yet 23.0% were in LMI areas, against 20.3%, and 41.6% in majority-minority areas, against 28.0%. Its larger loans and near absence of FHA lending, which often serves lower-income buyers, could account for the low borrower share.
Originations rose 18%, against 23% for similar lenders and 10% for the whole market. Its share rose to 0.5% from 0.3% in San Diego-Chula Vista-Carlsbad, where it ranked 38 of 639, and to 0.3% from 0.2% in Phoenix-Mesa-Chandler.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Nexera Holding took 10,661 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 50.0% · Other 0.0%
Conventional 99.4% · FHA 0.6% · VA 0.0% · of 5,802 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 | 1,752 | 30.2% |
| Florida | 672 | 11.6% |
| Texas | 565 | 9.7% |
| Arizona | 358 | 6.2% |
| Washington | 190 | 3.3% |
| Georgia | 182 | 3.1% |
| New Jersey | 179 | 3.1% |
| Illinois | 168 | 2.9% |
| Pennsylvania | 142 | 2.4% |
| Colorado | 119 | 2.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 410 |
| Phoenix-Mesa-Chandler | 301 |
| San Diego-Chula Vista-Carlsbad | 210 |
| Anaheim-Santa Ana-Irvine | 193 |
| Houston-Pasadena-The Woodlands | 171 |
| Riverside-San Bernardino-Ontario | 171 |
| Miami-Miami Beach-Kendall | 146 |
| Chicago-Naperville-Schaumburg | 139 |
| Atlanta-Sandy Springs-Roswell | 121 |
| Dallas-Plano-Irving | 120 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EKFFG3BU8DNX74 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7465671661 |
Established 15 May 2014. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Nexera Holding's data.
Nexera Holding's data
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