Plain conventional loans
Every loan it made in 2025 was conventional. It made none insured by the Federal Housing Administration (FHA), which account for 14.0% of the loans of similar lenders, meaning independent non-bank lenders making between half and twice as many loans. It made no loans on manufactured homes, none higher-priced (a rate well above the average for similar loans) and none jumbo (above the conforming limit). Nearly two-thirds of its loans were for home purchase, the rest refinancing.