Applications / Mortgage Analytics / Lenders / California / Commercial Loan
Newport Beach, CA · Non-bank or government lender · CFPB · 30 loans in 2025
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30
loans originated, 2025
30
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Commercial Loan is a small California lender whose loans are almost all for purposes other than buying or refinancing a home, scattered thinly across 13 of the state's metros.
Some 93.3% of its 30 loans in 2025 were for other purposes, and only 6.7% financed a purchase. All were conventional. Its filings report no borrower incomes. Its typical loan, $225,000, was smaller than the $400,000 at similar lenders, meaning non-bank lenders making between half and twice as many loans.
Its typical rate was 11.99% in both 2024 and 2025, against 6.89% at similar lenders. Its other-purpose lending, nearly all of its business, may account for most of that gap; it is not the same product as a standard home-purchase loan.
More than half its loans, 56.7%, went to majority-minority tracts, against 21.7% at similar lenders; in 2024 the share was 70.7%. All its lending is in California, across 13 metros, so these shares reflect the areas it serves. On 30 loans, a few either way move them a good deal.
Its loans fell 27% from 41 in 2024, a steeper fall than the 14% at similar lenders, while the whole market grew 10%. Its count has swung from four in 2021 to 41 in 2024. It holds a negligible share of every market it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Commercial Loan took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 93.3% · Purchase 6.7%
Conventional 100.0% · of 30 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 | 30 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 5 |
| Los Angeles-Long Beach-Glendale | 5 |
| Sacramento-Roseville-Folsom | 4 |
| Oakland-Fremont-Berkeley | 3 |
| San Jose-Sunnyvale-Santa Clara | 3 |
| Fresno | 2 |
| Riverside-San Bernardino-Ontario | 2 |
| Chico | 1 |
| Modesto | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500A9F1AADF548748 | 2019–2025 |
Established 27 March 2007. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Commercial Loan's data.
Commercial Loan's data
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Commercial Loan and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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