Applications / Mortgage Analytics / Lenders / California / Habitfactory USA
Los Angeles, CA · Non-bank or government lender · CFPB · 95 loans in 2025
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95
loans originated, 2025
98
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Habitfactory USA, a Los Angeles lender that first reported in 2024, grew from 61 loans to 95 in 2025 while similar lenders shrank.
Its loans rose 56%, while similar lenders (non-bank or government lenders making between half and twice as many loans) fell 7% and the whole market grew 10%. That was faster than about nine in ten of them. At 95 loans it is still small, so single years can swing widely. It lends in three states and in 2025 made its first loans in Atlanta, San Francisco, Dallas and Austin.
Some 75.8% of its loans were in majority-minority neighborhoods, against 35.3% at similar lenders, more than nearly all of them. The share was much the same in 2024, at 77.0%. California is its main state, and its largest markets are Los Angeles, Riverside and San Diego.
Its typical loan was $615,000, against $410,000 at similar lenders, larger than about three in four of them. Almost all its loans were conventional. Purchases made up 69.5% of its lending and refinancing 29.5%, and it made no loans on manufactured homes.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Habitfactory USA took 98 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.5% · Refinance 29.5% · Home improvement 1.1%
Conventional 98.9% · FHA 1.1% · of 95 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 | 87 | 91.6% |
| Georgia | 4 | 4.2% |
| Texas | 4 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 35 |
| Riverside-San Bernardino-Ontario | 21 |
| Anaheim-Santa Ana-Irvine | 19 |
| Atlanta-Sandy Springs-Roswell | 4 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| San Diego-Chula Vista-Carlsbad | 3 |
| San Antonio-New Braunfels | 2 |
| San Francisco-San Mateo-Redwood City | 2 |
| Austin-Round Rock-San Marcos | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YVV9JOGMYFZO90 | 2024–2025 |
Established 24 January 2022. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Habitfactory USA's data.
Habitfactory USA's data
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Habitfactory USA 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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