Applications / Mortgage Analytics / Lenders / California / Data Mortgage
Orange, CA · Independent non-bank lender · CFPB · 321 loans in 2025
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321
loans originated, 2025
515
applications, 2025
37
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Data Mortgage, a non-bank lender based in California, now buys far more mortgages than it makes: 8,577 purchased loans in 2025 against 321 of its own.
Data Mortgage bought 8,577 loans in 2025, up from 7,400 a year earlier and 3,977 five years before. The typical similar lender, an independent non-bank lender making between half and twice as many loans, bought none. Its own lending, at 321 loans, sits near the middle of that group. The business looks built on buying loans that others make.
Nearly three in four of its own loans, 72.6%, were insured by the Federal Housing Administration (FHA), up from 40.3% a year earlier. Similar lenders put 17.4% of their loans there, and Data Mortgage's share is higher than all but a few of them. Two-thirds of its loans, 67.9%, were refinances. Its typical rate, 6.25%, was lower than most similar lenders' 6.50%.
Its own originations peaked at 3,699 five years ago and fell to 321. Its lending is mostly refinancing, and its typical rate was 3.25% then against 6.25% now; fewer borrowers gain from refinancing at the higher rate, which may account for much of the fall. Originations rose 4% last year, a little faster than similar lenders' 2%.
Almost half its loans, 47.7%, went to majority-minority neighborhoods, against 21.6% for similar lenders. It also lent more than most in poorer areas (low- and moderate-income tracts): 24.4% of loans, against 18.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Data Mortgage took 515 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.9% · Purchase 27.7% · Other 4.4%
FHA 72.6% · Conventional 21.8% · VA 5.6% · of 321 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 | 123 | 38.3% |
| Nevada | 27 | 8.4% |
| Georgia | 24 | 7.5% |
| Florida | 12 | 3.7% |
| Texas | 12 | 3.7% |
| Missouri | 11 | 3.4% |
| Arizona | 10 | 3.1% |
| Indiana | 9 | 2.8% |
| Alabama | 7 | 2.2% |
| North Carolina | 7 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 39 |
| Riverside-San Bernardino-Ontario | 33 |
| Las Vegas-Henderson-North Las Vegas | 25 |
| Anaheim-Santa Ana-Irvine | 19 |
| Atlanta-Sandy Springs-Roswell | 13 |
| Sacramento-Roseville-Folsom | 12 |
| Phoenix-Mesa-Chandler | 8 |
| Houston-Pasadena-The Woodlands | 6 |
| Bakersfield-Delano | 5 |
| Charlotte-Concord-Gastonia | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008E4KBJCB6UKR64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3880829 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330175937 | |
| Respondent ID (the HMDA filer code before 2018) | 77116100002 | 2000–2011 |
Established 23 March 1986. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Data Mortgage's data.
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