Applications / Mortgage Analytics / Lenders / California / Abundance 99
Sunnyvale, CA · Non-bank or government lender · CFPB · 38 loans in 2025
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38
loans originated, 2025
43
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Abundance 99 is a very small California non-bank lender, in its second year of reporting, that makes conventional loans to buyers and refinancers, many of them in neighborhoods where most residents belong to minority groups.
It made 38 loans in 2025, against 39 in 2024, its first year of reporting. Similar lenders, those of the same type making between half and twice as many loans, made 40 in the typical case. With so few loans, most of its shares move a lot from year to year and are too small to read much into.
Every loan it made was conventional, with none backed by a government agency, and none was for a manufactured home. Purchases took 52.6% of its loans and refinances 47.4%. Its typical loan, $485,000, was larger than at its peers, where it was $395,000. Its two largest markets are San Francisco-Oakland-Fremont and San Jose-Sunnyvale-Santa Clara.
Some 79.0% of its loans went to neighborhoods where most residents belong to minority groups, against 21.7% at similar lenders. Half its loans, 50.0%, were in low- and moderate-income neighborhoods, against 17.4% at its peers. Both were higher than more than nine in ten similar lenders in 2025, though on 38 loans a handful can swing the figure.
It lent in 3 states and 11 metros. In San Jose-Sunnyvale-Santa Clara it ranked 194 of 459 lenders, a market led by Wells Fargo Bank. It entered Napa, Salinas and Cleveland in 2025, each with a sliver of the market.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Abundance 99 took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.6% · Refinance 47.4%
Conventional 100.0% · of 38 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 | 32 | 84.2% |
| Ohio | 5 | 13.2% |
| Indiana | 1 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Jose-Sunnyvale-Santa Clara | 11 |
| Oakland-Fremont-Berkeley | 9 |
| San Francisco-San Mateo-Redwood City | 5 |
| Cleveland | 4 |
| Los Angeles-Long Beach-Glendale | 2 |
| Sacramento-Roseville-Folsom | 2 |
| Akron | 1 |
| Anaheim-Santa Ana-Irvine | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Napa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490051DLR50J3F0F68 | 2024–2025 |
Established 6 February 2009. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Abundance 99's data.
Abundance 99's data
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