Applications / Mortgage Analytics / Lenders / California / Campos Financial
Granada Hills, CA · Independent non-bank lender · CFPB · 227 loans in 2025
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227
loans originated, 2025
236
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Campos Financial is a small California lender whose loans go largely to neighborhoods where most residents belong to minority groups, and which relies more than its peers on loans insured by the Federal Housing Administration (FHA).
Of its loans, 83.7% were in neighborhoods where most residents belong to minority groups, against 21.7% at similar lenders (independent non-banks making between half and twice as many loans). Its share in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 29.8%, against 18.1%. Both may reflect where it lends: just 15 counties, mostly in California.
FHA loans were 39.2% of its lending, against 16.9% at peers, though down from 55.5% in 2024. Conventional loans rose to 59.5% from 41.7%. Refinances made up 43.2% of its loans and purchases 55.5%.
Its typical loan was $475,000, against $325,000 at peers, larger than at more than four in five of them. Its biggest markets are Los Angeles, Oxnard-Thousand Oaks-Ventura and Riverside-San Bernardino-Ontario.
Its loans rose 8% to 227, while peers were unchanged and the whole market grew 10%. It made 755 loans in 2020 and 700 in 2021, about three times today's number. It first reported in 2019.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Campos Financial took 236 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.5% · Refinance 43.2% · Other 1.3%
Conventional 59.5% · FHA 39.2% · VA 1.3% · of 227 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 | 223 | 98.2% |
| Ohio | 2 | 0.9% |
| Tennessee | 1 | 0.4% |
| Texas | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 149 |
| Bakersfield-Delano | 23 |
| Riverside-San Bernardino-Ontario | 23 |
| Oxnard-Thousand Oaks-Ventura | 18 |
| Anaheim-Santa Ana-Irvine | 5 |
| Cleveland | 1 |
| Corpus Christi | 1 |
| Knoxville | 1 |
| Modesto | 1 |
| Oakland-Fremont-Berkeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930035U7Q80J7HTS79 | 2019–2025 |
Established 17 May 2012. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Campos Financial's data.
Campos Financial's data
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