Applications / Mortgage Analytics / Lenders / California / First Nations Home Finance
San Diego, CA · Independent non-bank lender · CFPB · 157 loans in 2025
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157
loans originated, 2025
234
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Nations Home Finance, a small San Diego mortgage company, lends mostly to home buyers and puts more of its loans in poorer neighborhoods than any similar lender.
Almost nine in ten of its 157 loans (87.9%) financed a purchase. More than a third were government-backed: 14.0% insured by the Federal Housing Administration (FHA), 10.2% guaranteed by the Department of Veterans Affairs (VA) and 14.0% guaranteed by the Department of Agriculture's Rural Housing Service (RHS). The typical similar lender, an independent mortgage company making between half and twice as many loans, made no RHS loans at all.
Some 63.1% of its loans went to low- and moderate-income (LMI) neighborhoods, against 18.9% at similar lenders, the highest share among them. Five years before, the figure was 25.8%. LMI borrowers took 30.5% of its loans, more than at about seven in ten similar lenders. Its typical rate, 6.50%, was a little below their 6.62%.
It made 1,383 loans in 2020 and has shrunk every year since, to 168 in 2024 and 157 in 2025. Its fall of 7% last year was steeper than the 1% at similar lenders, while the whole market grew 10%. Similar lenders also made fewer loans, so part of last year's fall may reflect conditions shared by lenders of its size; the figures do not show what drove the longer decline.
Its largest market is Riverside-San Bernardino-Ontario, where it ranked 144 of 707 lenders; United Wholesale Mortgage leads there. It ranks 262 of 639 in San Diego-Chula Vista-Carlsbad and has lent in both since 2005.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Nations Home Finance took 234 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 87.9% · Refinance 12.1%
Conventional 61.8% · FHA 14.0% · USDA (RHS or FSA) 14.0% · VA 10.2% · of 157 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 | 151 | 96.2% |
| Arizona | 5 | 3.2% |
| Colorado | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 128 |
| San Diego-Chula Vista-Carlsbad | 16 |
| Anaheim-Santa Ana-Irvine | 2 |
| Los Angeles-Long Beach-Glendale | 2 |
| Bakersfield-Delano | 1 |
| Fort Collins-Loveland | 1 |
| Lake Havasu City-Kingman | 1 |
| Phoenix-Mesa-Chandler | 1 |
| Prescott Valley-Prescott | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LHJR6FIWIU8E25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4186706 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330649866 |
Established 3 February 1995. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: First Nations Home Finance's data.
First Nations Home Finance's data
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