Applications / Mortgage Analytics / Lenders / California / Intelliloan
Irvine, CA · Independent non-bank lender · CFPB · 822 loans in 2025
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822
loans originated, 2025
2,510
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Intelliloan is a California refinance lender that now makes three in four of its loans with insurance from the Federal Housing Administration (FHA), and its loans rose 36% in 2025.
Refinances made up 97.1% of its loans; purchases were 2.9%. Its growth in 2025 came almost entirely from refinancing. Similar lenders, here independent lenders making between half and twice as many loans, made 860 loans in the typical case, close to its 822.
In 2020, 91.8% of its loans were conventional and 6.4% were FHA loans. In 2025 FHA loans were 75.5%, against 20.5% at the typical peer, a higher share than at almost every similar lender. Loans guaranteed by the Department of Veterans Affairs were 9.6%, up from 1.8% in 2020 and against 5.9% at peers.
Its loans rose 36% to 822, against 2% for the typical peer and 10% for the whole market, faster than about nine in ten similar lenders. It is still far below the 5,206 loans of 2020. A lender built on refinancing rises and falls with rates: its typical rate was 2.69% in 2020 and 6.12% in 2025. That rate was lower than at more than four in five peers.
It lends in 25 states and 162 metros, but holds no large share anywhere; in Riverside-San Bernardino-Ontario it ranks 213 of 707. Majority-minority neighborhoods took 46.1% of its loans, against 25.0% at the typical peer, a higher share than at more than four in five of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Intelliloan took 2,510 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 97.1% · Purchase 2.9%
FHA 75.5% · Conventional 14.8% · VA 9.6% · of 822 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 | 167 | 20.3% |
| Florida | 122 | 14.8% |
| Texas | 74 | 9.0% |
| Georgia | 64 | 7.8% |
| Washington | 64 | 7.8% |
| Arizona | 50 | 6.1% |
| Virginia | 43 | 5.2% |
| New Jersey | 42 | 5.1% |
| Nevada | 35 | 4.3% |
| Massachusetts | 25 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 41 |
| Riverside-San Bernardino-Ontario | 40 |
| Phoenix-Mesa-Chandler | 39 |
| Los Angeles-Long Beach-Glendale | 38 |
| Las Vegas-Henderson-North Las Vegas | 28 |
| Tacoma-Lakewood | 17 |
| Tampa | 16 |
| Virginia Beach-Chesapeake-Norfolk | 16 |
| Arlington-Alexandria-Reston | 15 |
| Cape Coral-Fort Myers | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Q6YL1SFVPEGV90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3894714 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71227300009 | 2003–2017 |
Established 1 October 1993. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Intelliloan's data.
Intelliloan's data
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Intelliloan 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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