Applications / Mortgage Analytics / Lenders / California / Instamortgage / Competition
Instamortgage
San Jose, CA · Independent non-bank lender · CFPB · 256 loans in 2025
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256
loans originated, 2025
308
applications, 2025
20
states and territories
0
gaps bigger than at similar lenders
Who Instamortgage competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV, 2025
Instamortgage ranks 174th of 757 lenders in Washington-Arlington-Alexandria, DC-VA-MD-WV, with $49.3M lent: 0.1% of a $62.69B market.
Washington-Arlington-Alexandria, DC-VA-MD-WV is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
Instamortgage ranks 445th of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $8.0M lent: 0.0% of a $144.16B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — DALLAS-FORT WORTH-ARLINGTON, TX, 2025
Instamortgage ranks 449th of 1,026 lenders in Dallas-Fort Worth-Arlington, TX, with $7.8M lent: 0.0% of a $63.42B market.
Dallas-Fort Worth-Arlington, TX is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — SAN FRANCISCO-OAKLAND-FREMONT, CA, 2025
Instamortgage ranks 337th of 606 lenders in San Francisco-Oakland-Fremont, CA, with $4.9M lent: 0.0% of a $52.26B market.
San Francisco-Oakland-Fremont, CA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 48% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — RICHMOND, VA, 2025
Instamortgage ranks 232nd of 551 lenders in Richmond, VA, with $3.3M lent: 0.0% of a $11.70B market.
Richmond, VA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 35% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — VIRGINIA BEACH-CHESAPEAKE-NORFOLK, NC-VA, 2025
Instamortgage ranks 348th of 577 lenders in Virginia Beach-Chesapeake-Norfolk, NC-VA, with $1.0M lent: 0.0% of a $15.33B market.
Virginia Beach-Chesapeake-Norfolk, NC-VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 42% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — ROANOKE, VA, 2025
Instamortgage ranks 172nd of 346 lenders in Roanoke, VA, with $950K lent: 0.0% of a $2.03B market.
Roanoke, VA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — OCALA, FL, 2025
Instamortgage ranks 276th of 536 lenders in Ocala, FL, with $765K lent: 0.0% of a $2.98B market.
Ocala, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Instamortgage in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Instamortgage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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