Applications / Mortgage Analytics / Lenders / California / Land Home Financial Services
Concord, CA · Independent non-bank lender · CFPB · 1,534 loans in 2025
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1,534
loans originated, 2025
2,057
applications, 2025
37
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Land Home Financial Services is a home-buying lender with an unusual specialty: 30.1% of its 1,534 loans in 2025 were on manufactured homes, against 0.9% at similar lenders.
Purchases made up 84.9% of its lending, and nearly a third of its loans were on manufactured homes, higher than at almost every similar lender, meaning independent non-banks making between half and twice as many loans. Its typical loan was $235,000, against $315,000 for those peers. The manufactured-home share may explain the smaller loans.
Some 4.2% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 2.2% at peers. Its typical rate was 7.00%, against 6.62%. Loans on manufactured homes, together with a 31.4% share insured by the Federal Housing Administration (FHA), against 22.8% for peers, could account for most of that gap.
Some 37.4% of its loans went to low- and moderate-income (LMI) borrowers, against 28.4% at similar lenders, and 28.9% to LMI neighborhoods, against 19.1%. Both shares are higher than at more than four in five of its peers, which matters to banks weighing it as a partner under the Community Reinvestment Act.
Its loans rose 14% to 1,534, faster than the 5% of similar lenders and the 10% of the whole market. That is still a fraction of the 11,639 it made in 2020. It lends in 37 states. Its share rose in Des Moines to 0.5% but fell in Honolulu to 0.2% from 0.4%, in an $8.07B market, where a modest number of loans can move a share that much.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Land Home Financial Services took 2,057 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.9% · Refinance 13.0% · Other 2.1%
Conventional 61.1% · FHA 31.4% · VA 7.0% · USDA (RHS or FSA) 0.5% · of 1,534 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 | 395 | 25.7% |
| Iowa | 166 | 10.8% |
| Alabama | 152 | 9.9% |
| Texas | 133 | 8.7% |
| Louisiana | 90 | 5.9% |
| Mississippi | 82 | 5.3% |
| Arkansas | 56 | 3.7% |
| Minnesota | 47 | 3.1% |
| Ohio | 43 | 2.8% |
| Hawaii | 37 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Des Moines-West Des Moines | 123 |
| Sacramento-Roseville-Folsom | 70 |
| Oakland-Fremont-Berkeley | 50 |
| Birmingham | 43 |
| Dallas-Plano-Irving | 32 |
| Houston-Pasadena-The Woodlands | 31 |
| Columbus | 28 |
| Urban Honolulu | 28 |
| Stockton-Lodi | 25 |
| Lewiston | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006RIR31ORKYB608 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3885299 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7680151632 | |
| Respondent ID (the HMDA filer code before 2018) | 77245500008 | 2000–2010 |
Established 18 March 1988. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Land Home Financial Services's data.
Land Home Financial Services's data
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Land Home Financial Services 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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