Applications / Mortgage Analytics / Lenders / Illinois / Diamond Residential Mortgage
Lake Forest, IL · Independent non-bank lender · CFPB · 1,205 loans in 2025
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1,205
loans originated, 2025
1,526
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Diamond Residential Mortgage is a home-purchase lender whose loans are smaller than its rivals' and go more often to borrowers on low and moderate incomes.
Its typical loan in 2025 was $225,000, smaller than at nearly all similar lenders (independent non-bank lenders making between half and twice as many loans), whose typical loan was $315,000. Low- and moderate-income (LMI) borrowers took 42.1% of its loans, against 28.2% at those peers, a higher share than at nearly nine in ten of them. Smaller loans and lower-income buyers often go together.
Home purchases made up 85.4% of its loans. A quarter (25.3%) were insured by the Federal Housing Administration, a little above the 22.0% at similar lenders. Loans guaranteed by the Department of Agriculture's Rural Housing Service were 2.4%, against 0.3% at peers. It turned down 2.6% of purchase applications and 3.6% of refinance applications, both lower than the 3.4% and 6.0% at similar lenders.
Indiana is its main state. In Michigan City-La Porte it ranked 13 of 241 lenders, and its share rose to 1.8% from 1.3%. In Fort Wayne it held 0.8% of the market, as in 2024. It has lent in both since it first reported in 2011.
It made 1,205 loans in 2025, down 8% from 1,304, while similar lenders grew 3% and the whole market 10%. Its loans have fallen every year since 2020, when it made 4,939.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Diamond Residential Mortgage took 1,526 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 85.4% · Refinance 13.0% · Other 1.6%
Conventional 66.3% · FHA 25.3% · VA 6.0% · USDA (RHS or FSA) 2.4% · of 1,205 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 |
|---|---|---|
| Indiana | 557 | 46.2% |
| Illinois | 263 | 21.8% |
| Wisconsin | 151 | 12.5% |
| Georgia | 98 | 8.1% |
| Michigan | 45 | 3.7% |
| Ohio | 36 | 3.0% |
| Colorado | 23 | 1.9% |
| Florida | 15 | 1.2% |
| Nevada | 4 | 0.3% |
| Kentucky | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County-Porter County-Jasper County | 345 |
| Fort Wayne | 112 |
| Lake County | 98 |
| Atlanta-Sandy Springs-Roswell | 89 |
| Chicago-Naperville-Schaumburg | 71 |
| Michigan City-La Porte | 38 |
| Milwaukee-Waukesha | 36 |
| Cincinnati | 30 |
| Kenosha | 28 |
| Warren-Troy-Farmington Hills | 28 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WS8BW0I0BDA390 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4438423 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7270222046 |
Established 22 April 2009. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Diamond Residential Mortgage's data.
Diamond Residential Mortgage's data
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Diamond Residential Mortgage 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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