Fewer loans in year two
Archwest first reported in 2024, with 771 loans. In 2025 it made 468. Similar lenders (lenders of the same type making between half and twice as many loans) grew by 16% and the whole market by 10%; no peer shrank faster.
Applications / Mortgage Analytics / Lenders / Delaware / Archwest Funding
Archwest Funding
Wilmington, DE · Non-bank or government lender · CFPB · 468 loans in 2025
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468
loans originated, 2025
670
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Archwest Funding, a conventional-only lender in its second year of reporting, made 39% fewer loans in 2025 while similar lenders grew.
A conventional, refinance-led book
Every loan it made was conventional, as at its peers, with no manufactured homes. Refinancing made up 55.3% of its lending and purchases 44.7%. For a lender of its size it is spread thin, across 34 states and 106 counties, with California its main state.
Dollar figures need care
Its typical loan size jumped in 2025 even as its loan count fell, and there is no reading of its borrowers' incomes. That may mean a shift toward larger loans, perhaps to investors, or amounts recorded inconsistently. Its dollar totals, loan sizes and market shares should be read with care until that is checked.
More lending in poorer areas
Some 37.0% of its loans went to low- and moderate-income neighborhoods, against 18.7% at similar lenders, more than at about four in five of them. Half its loans, 50.4%, were in majority-minority neighborhoods, against 31.3%. Both were higher still in 2024, at 55.8% and 61.2%.
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
468 loans in 2025, against a peak of 771 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Archwest Funding took 670 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
55.3% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 55.3% · Purchase 44.7%
Conventional 100.0% · of 468 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
34 states, 85 metros, 106 counties
| State | Loans | Share |
|---|---|---|
| California | 235 | 50.2% |
| Ohio | 53 | 11.3% |
| Florida | 33 | 7.1% |
| Idaho | 17 | 3.6% |
| North Carolina | 14 | 3.0% |
| Pennsylvania | 13 | 2.8% |
| Texas | 13 | 2.8% |
| Georgia | 11 | 2.4% |
| Arizona | 9 | 1.9% |
| Oklahoma | 8 | 1.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 92 |
| Anaheim-Santa Ana-Irvine | 39 |
| Columbus | 35 |
| Riverside-San Bernardino-Ontario | 28 |
| San Diego-Chula Vista-Carlsbad | 27 |
| San Jose-Sunnyvale-Santa Clara | 20 |
| Boise City | 17 |
| Charlotte-Concord-Gastonia | 12 |
| San Francisco-San Mateo-Redwood City | 11 |
| West Palm Beach-Boca Raton-Delray Beach | 11 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900A1LV2U6NM10498 | 2024–2025 |
Established 17 November 2020. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Archwest Funding's data.
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