Applications / Mortgage Analytics / Lenders / California / BNB Financial
Glendale, CA · Independent non-bank lender · CFPB · 23 loans in 2025
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23
loans originated, 2025
23
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BNB Financial, a Glendale, California mortgage company, makes few but large loans: 23 in 2025, with a typical loan of $665,000, a fraction of the 373 it made in 2020.
It made 23 loans in 2025, up from 8 in 2024 and 7 in 2023, a rise of 188%. Similar lenders, independent non-bank lenders making between half and twice as many loans, grew 3%. The rebound comes from a very low base: in 2020 it made 373 loans and in 2021, 204.
Its typical loan was $665,000, more than four times the $152,500 at similar lenders and larger than at almost all of them. Yet none of its loans were jumbo, those above the conforming limit. Purchases made up most of its lending, with refinances most of the rest.
A few of its loans were insured by the Federal Housing Administration or guaranteed by the Department of Veterans Affairs, where similar lenders typically made none. It made no higher-priced loans, against 9.5% at similar lenders. On 23 loans, though, a single loan moves each of these shares by several points.
All its lending is in California, in eight metros. It ranked 431 of 757 lenders in Los Angeles, its largest market, and 455 of 707 in Riverside. JPMorgan Chase Bank led Los Angeles, ahead of United Wholesale Mortgage and Rocket Mortgage.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BNB Financial took 23 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.6% · Refinance 26.1% · Other 4.3%
Conventional 78.3% · FHA 13.0% · VA 8.7% · of 23 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 | 23 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 9 |
| Riverside-San Bernardino-Ontario | 4 |
| Anaheim-Santa Ana-Irvine | 3 |
| San Diego-Chula Vista-Carlsbad | 2 |
| San Francisco-San Mateo-Redwood City | 2 |
| Bakersfield-Delano | 1 |
| Oakland-Fremont-Berkeley | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300850R07HZO8MY41 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7455139677 |
Established 23 March 2012. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: BNB Financial's data.
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