Applications / Mortgage Analytics / Lenders / California / JMJ Financial Group
Aliso Viejo, CA · Non-bank lender · CFPB · 856 loans in 2025
JMJ Financial Group's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
856
loans originated, 2025
1,096
applications, 2025
18
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JMJ Financial Group, a California mortgage company based in Aliso Viejo, makes larger loans than almost all similar lenders and is adding markets well beyond its home state.
Its typical loan was $505,000, against $325,000 at similar lenders, non-bank lenders making between half and twice as many loans. That is larger than at more than nine in ten of its 27 peers. Purchases made up 71.8% of its loans. Loans guaranteed by the Department of Veterans Affairs were 9.5%, more than double peers' 4.2%.
Its loans rose 10% to 856, a little slower than the 15% at peers and in line with the whole market. It made 3,719 loans in 2020; the record does not say why lending has fallen since. It first reported in 2013.
Its share rose in Boise City to 0.7%, where it ranked 31 of 409 and Idaho Central Credit Union led. It also rose in Riverside-San Bernardino-Ontario and Santa Rosa-Petaluma. In 2025 it entered Wildwood-The Villages, Myrtle Beach and Goldsboro, and it now lends in 18 states.
Low- and moderate-income borrowers took 21.4% of its loans, near the middle of its peers and up from 9.8% in 2020. Its share in poorer neighborhoods, 15.2%, was lower than peers' 20.2%. Its larger loans are a possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. JMJ Financial Group took 1,096 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 71.8% · Refinance 28.2%
Conventional 77.5% · FHA 13.1% · VA 9.5% · of 856 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 | 561 | 65.5% |
| Idaho | 170 | 19.9% |
| Arizona | 37 | 4.3% |
| Nevada | 13 | 1.5% |
| Utah | 13 | 1.5% |
| Tennessee | 10 | 1.2% |
| Florida | 9 | 1.1% |
| Texas | 8 | 0.9% |
| Minnesota | 7 | 0.8% |
| Washington | 7 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 195 |
| Boise City | 157 |
| Riverside-San Bernardino-Ontario | 115 |
| Anaheim-Santa Ana-Irvine | 109 |
| San Diego-Chula Vista-Carlsbad | 83 |
| Lake Havasu City-Kingman | 25 |
| Las Vegas-Henderson-North Las Vegas | 11 |
| Santa Rosa-Petaluma | 11 |
| Oxnard-Thousand Oaks-Ventura | 9 |
| Sacramento-Roseville-Folsom | 9 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XRXBA38J60S618 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4730211 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330508282 |
Established 2 March 1992. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: JMJ Financial Group's data.
JMJ Financial Group's data
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