Applications / Mortgage Analytics / Lenders / California / American Internet Mortgage
San Diego, CA · Independent non-bank lender · CFPB · 1,363 loans in 2025
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1,363
loans originated, 2025
2,879
applications, 2025
50
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Internet Mortgage, a San Diego non-bank lender that makes only conventional loans, grew 72% in 2025, faster than all but about one in twenty similar lenders.
It made 1,363 loans in 2025, up from 794 in 2024. Similar lenders, meaning independent non-bank lenders making between half and twice as many loans, grew 3%, and the whole market 10%. It remains far smaller than in 2020 and 2021, when it made 10,555 and 11,057 loans.
Every loan was conventional, whereas similar lenders put 22.6% of theirs into loans insured by the Federal Housing Administration (FHA). None was higher-priced (a rate well above the average for similar loans). Its typical rate, 6.00%, was among the lowest tenth of similar lenders, whose typical rate was 6.62%. Refinancing made up 55.3% of its loans.
Low- and moderate-income (LMI) borrowers took 10.7% of its loans, against 28.3% at the typical similar lender, lower than about nine in ten of them. One possible reason is its product mix: it makes no FHA loans, which similar lenders use widely. It lends in all 50 states, with California its main state, and its share of San Diego rose to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Internet Mortgage took 2,879 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.3% · Purchase 38.6% · Home improvement 6.1%
Conventional 100.0% · of 1,363 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 | 220 | 16.1% |
| Texas | 86 | 6.3% |
| North Carolina | 59 | 4.3% |
| Arizona | 58 | 4.3% |
| Florida | 51 | 3.7% |
| Georgia | 45 | 3.3% |
| Tennessee | 44 | 3.2% |
| Washington | 44 | 3.2% |
| Illinois | 41 | 3.0% |
| Ohio | 40 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 41 |
| San Diego-Chula Vista-Carlsbad | 41 |
| Atlanta-Sandy Springs-Roswell | 29 |
| Riverside-San Bernardino-Ontario | 29 |
| Houston-Pasadena-The Woodlands | 28 |
| Los Angeles-Long Beach-Glendale | 27 |
| Chicago-Naperville-Schaumburg | 26 |
| Charlotte-Concord-Gastonia | 21 |
| Anaheim-Santa Ana-Irvine | 19 |
| Arlington-Alexandria-Reston | 19 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BOXNV8VLRBDT24 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3876224 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7522091594 |
Established 16 January 1998. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: American Internet Mortgage's data.
American Internet Mortgage's data
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