Applications / Mortgage Analytics / Lenders / California / Insignia Capital
Beverly Hills, CA · Non-bank or government lender · CFPB · 81 loans in 2025
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81
loans originated, 2025
91
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Insignia Capital, a Beverly Hills lender that first reported in 2023, makes only conventional loans and does two-thirds of its lending in majority-minority neighborhoods.
It made 81 loans in 2025, against 87 in 2024 and 74 in 2023. Its 7% fall was close to the 5% fall at similar lenders (non-bank lenders making between half and twice as many loans), while the whole market rose 10%. Every loan was conventional, with no government-backed lending and no manufactured homes. Purchases made up 54.3% of its loans and refinancing 45.7%.
Some 66.7% of its loans went to majority-minority neighborhoods, against 35.3% at similar lenders, more than at about nine in ten of them. The share was 69.0% in 2024, so the pattern held. Its share of loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) was 24.1%, close to similar lenders' 22.6%.
Only 9.5% of its borrowers had low or moderate incomes, against 21.5% at similar lenders, fewer than at about three-quarters of them. One possible reason is its product line: it made no government-backed loans, which many lenders use to serve buyers with smaller incomes.
It lends in 13 metros across 2 states. In 2025 it made its first loans in Des Moines-West Des Moines and Bakersfield-Delano, after entering San Diego-Chula Vista-Carlsbad in 2024.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Insignia Capital took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.3% · Refinance 45.7%
Conventional 100.0% · of 81 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 | 80 | 98.8% |
| Iowa | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 40 |
| San Jose-Sunnyvale-Santa Clara | 22 |
| Anaheim-Santa Ana-Irvine | 4 |
| Oxnard-Thousand Oaks-Ventura | 3 |
| Riverside-San Bernardino-Ontario | 2 |
| Sacramento-Roseville-Folsom | 2 |
| Santa Maria-Santa Barbara | 2 |
| Bakersfield-Delano | 1 |
| Des Moines-West Des Moines | 1 |
| Oakland-Fremont-Berkeley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900W601P3EA8Y5794 | 2023–2025 |
Established 8 September 2021. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Insignia Capital's data.
Insignia Capital's data
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