Applications / Mortgage Analytics / Lenders / California / Lending 3
Fountain Valley, CA · Non-bank or government lender · CFPB · 11 loans in 2025
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11
loans originated, 2025
18
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lending 3, a California mortgage company, made 798 loans in 2020 and just 11 in 2025, a sliver of its former business.
It first reported in 2018 and peaked in 2020, when it also bought 1,830 loans from other lenders. It bought none in 2025. Its own lending fell to 58 loans in 2022 and 55 in 2023. It filed no report for 2024, a gap in the record rather than a year without lending, and it reported 11 loans in 2025. The data do not say why it shrank.
Eleven loans are too few to read much into its mix of products or borrowers. Shares built on them, such as its government-backed lending or its loans in minority neighborhoods, would swing with a single loan. Comparisons with similar lenders (non-bank lenders making between a quarter and four times as many loans) say little at this size.
Its loans were spread across 3 states and 7 metros, with California its main state. It ranks 458 of 707 lenders by dollars lent in Riverside-San Bernardino-Ontario, CA, and 269 of 363 in Vallejo, CA, with a share near zero in both. Its newest market, Columbus, OH, dates from 2023.
Similar lenders: same lender type, originations between a quarter and four times the lender's. 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Lending 3 took 18 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.6% · Refinance 36.4%
Conventional 45.5% · FHA 45.5% · VA 9.1% · of 11 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 | 8 | 72.7% |
| Texas | 2 | 18.2% |
| Ohio | 1 | 9.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 4 |
| Los Angeles-Long Beach-Glendale | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| Columbus | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Vallejo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005I7R041I8VOW18 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7731676597 |
Established 29 July 2003. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Lending 3's data.
Lending 3's data
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