Applications / Mortgage Analytics / Lenders / California / Community Mortgage Funding
Pomona, CA · Non-bank affiliate of a holding company · CFPB · 20 loans in 2025
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20
loans originated, 2025
33
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Mortgage Funding, a non-bank lender in Pomona, California, made only 20 loans in 2025, down from 129 the year before and 436 in 2020.
Its loans fell 84% in 2025, a steeper fall than at almost every similar lender (non-banks making between an eighth and eight times as many loans); a typical one shrank 5%, and the whole market grew 10%. The decline has not been steady. Volume rose to 251 loans in 2023 before dropping again. It may have scaled back by choice; as an affiliate of a holding company, it may also have passed business to another part of the group.
All of its loans in 2025 were conventional, with no government backing; a year earlier 5.4% were insured by the Federal Housing Administration (FHA). Purchases made up 60.0% of its lending and refinances 40.0%. On 20 loans, its shares of borrower groups, prices and loan sizes are too small to read much into.
Its loans were spread over nine metros in four states, mostly in California, where it has lent since 2004. In none of the markets shown does its share round above 0.0%. In El Centro its share fell from 0.3%, which may simply reflect its overall contraction.
Similar lenders: lenders of the same broad kind (banks and savings institutions, credit unions or non-banks), originations between an eighth and eight times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Mortgage Funding took 33 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.0% · Refinance 40.0%
Conventional 100.0% · of 20 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 | 10 | 50.0% |
| Texas | 6 | 30.0% |
| Kansas | 2 | 10.0% |
| Nevada | 2 | 10.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 5 |
| Dallas-Plano-Irving | 3 |
| Kansas City | 2 |
| Las Vegas-Henderson-North Las Vegas | 2 |
| San Antonio-New Braunfels | 2 |
| Chico | 1 |
| El Centro | 1 |
| El Paso | 1 |
| Riverside-San Bernardino-Ontario | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SWHFQY2F7RN335 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3877454 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7954769926 | |
| Respondent ID (the HMDA filer code before 2018) | 5954769926 | 2004–2005 |
Established 3 August 1999. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Community Mortgage Funding's data.
Community Mortgage Funding's data
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