Applications / Mortgage Analytics / Lenders / California / JSB Mortgage
Monterey Park, CA · Non-bank or government lender · CFPB · 711 loans in 2025
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711
loans originated, 2025
886
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JSB Mortgage, which first reported in 2025, is a California lender of large conventional loans, and most of its loans are in majority-minority neighborhoods.
It made 711 loans in its first reported year, all conventional, with no manufactured homes: 64.4% home purchases and 35.6% refinances. Its typical loan was $625,000, against $365,000 for similar lenders, non-bank lenders making between half and twice as many loans; that is higher than about four in five. Jumbo loans, larger than the conforming limit, were 12.6% of its lending, against 3.9% for peers.
Some 70.3% of its loans went to majority-minority neighborhoods, the highest share among similar lenders, whose typical share was 35.1%. Only 3.0% went to low- and moderate-income borrowers, the lowest in the group, against 30.2%. A lender of loans this large may simply serve buyers with higher incomes.
It lends in 23 metros across 8 states, centered on California. In Los Angeles-Long Beach-Anaheim it ranked 49 of 757 in its first year. In Riverside-San Bernardino-Ontario it took 0.1% of lending, rank 158 of 707.
Its typical rate, 6.88%, was close to peers' 6.99%. Higher-priced loans, with a rate well above the average for similar loans, made up 5.8% of its lending, near the middle of the group.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. JSB Mortgage took 886 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.4% · Refinance 35.6%
Conventional 100.0% · of 711 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 | 699 | 98.3% |
| Indiana | 3 | 0.4% |
| South Carolina | 3 | 0.4% |
| Washington | 2 | 0.3% |
| Georgia | 1 | 0.1% |
| Massachusetts | 1 | 0.1% |
| Pennsylvania | 1 | 0.1% |
| Texas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 434 |
| Anaheim-Santa Ana-Irvine | 147 |
| Riverside-San Bernardino-Ontario | 74 |
| Sacramento-Roseville-Folsom | 13 |
| San Diego-Chula Vista-Carlsbad | 7 |
| Stockton-Lodi | 6 |
| Oakland-Fremont-Berkeley | 4 |
| Bakersfield-Delano | 3 |
| Charleston-North Charleston | 3 |
| Lafayette-West Lafayette | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DLBRGR2O0VNZ96 | 2025–2025 |
Established 20 March 2002. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: JSB Mortgage's data.
JSB Mortgage's data
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