Applications / Mortgage Analytics / Lenders / California / Augusta Financial
Santa Clarita, CA · Non-bank lender · CFPB · 705 loans in 2025
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705
loans originated, 2025
956
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Augusta Financial, a non-bank lender in Santa Clarita, California, makes bigger loans than almost all similar lenders, and its lending grew by a fifth in 2025.
Its typical loan was $545,000, larger than at more than nine in ten similar lenders (non-bank lenders making between half and twice as many loans), where it was $325,000. So although it made fewer loans than the typical similar lender, 705 against 788, it lent more money: $418.9 million against $263.2 million.
Its loans rose 20%, a little faster than the 16% at similar lenders and the whole market's 10%. It was the second year of growth after a fall from 2,490 loans in 2021 to 549 in 2023. Rising rates may account for much of that fall: its typical rate was 3.00% in 2020 and 6.62% in 2025.
Its largest markets are in California. In Oxnard-Thousand Oaks-Ventura it ranked 18 of 422 with 1.2% of lending, close to last year's 1.3%; United Wholesale Mortgage and Rocket Mortgage lead there. It lent in 10 states in all, and first appeared in non-metro Colorado and Tennessee in 2025.
Purchases were 66.0% of its loans and refinances 33.0%. Conventional loans, which carry no government guarantee, rose to 79.6%, and loans insured by the Federal Housing Administration (FHA) fell to 13.9%, from 20.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Augusta Financial took 956 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.0% · Refinance 33.0% · Home improvement 1.0%
Conventional 79.6% · FHA 13.9% · VA 6.5% · of 705 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 | 674 | 95.6% |
| Texas | 8 | 1.1% |
| Arizona | 7 | 1.0% |
| Colorado | 5 | 0.7% |
| Tennessee | 5 | 0.7% |
| Idaho | 2 | 0.3% |
| Georgia | 1 | 0.1% |
| Missouri | 1 | 0.1% |
| Oregon | 1 | 0.1% |
| Washington | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 437 |
| Oxnard-Thousand Oaks-Ventura | 134 |
| Bakersfield-Delano | 25 |
| Riverside-San Bernardino-Ontario | 25 |
| Anaheim-Santa Ana-Irvine | 11 |
| San Diego-Chula Vista-Carlsbad | 8 |
| Oakland-Fremont-Berkeley | 5 |
| Santa Maria-Santa Barbara | 5 |
| Fresno | 4 |
| Salinas | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XBOKNEE2CQJL92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4188139 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7954588714 |
Established 28 June 1996. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Augusta Financial's data.
Augusta Financial's data
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