Applications / Mortgage Analytics / Lenders / Florida / LendingOne
Boca Raton, FL · Non-bank or government lender · CFPB · 2,519 loans in 2025
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2,519
loans originated, 2025
25,603
applications, 2025
46
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LendingOne is a nationwide conventional lender, mostly refinancing, whose filings carry no borrower incomes, a pattern that may mean loans to investors or businesses rather than households.
Every loan it made was conventional, and refinances made up 57.5% of them, home purchases 37.1%. It lent in 46 states and 245 metros. Its filings report neither borrower incomes nor price spreads, which could mean its loans go to companies or to property investors.
It made 2,519 loans in 2025, about double the 1,220 of 2020, though it had made 2,497 in 2019. Last year its loans fell 2%, while similar lenders (non-bank lenders making between half and twice as many loans) typically grew 24% and the whole market 10%.
Half its loans, 50.2%, were for properties in low- and moderate-income neighborhoods, more than at about three-quarters of similar lenders, whose typical share was 34.7%. Majority-minority neighborhoods took 51.9%, somewhat above its peers' 46.5%.
Its typical loan was $195,000, against $305,000 at similar lenders. Its typical rate, 7.33%, was a little below their 7.56%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. LendingOne took 25,603 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.5% · Purchase 37.1% · Home improvement 5.4%
Conventional 100.0% · of 2,519 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 |
|---|---|---|
| Georgia | 284 | 11.3% |
| Florida | 276 | 11.0% |
| Ohio | 189 | 7.5% |
| Texas | 151 | 6.0% |
| North Carolina | 128 | 5.1% |
| New York | 123 | 4.9% |
| Virginia | 120 | 4.8% |
| Pennsylvania | 118 | 4.7% |
| Tennessee | 101 | 4.0% |
| New Jersey | 100 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 94 |
| Marietta | 90 |
| Cincinnati | 58 |
| Chicago-Naperville-Schaumburg | 53 |
| Roanoke | 53 |
| Philadelphia | 52 |
| Baltimore-Columbia-Towson | 51 |
| Jacksonville | 50 |
| Nassau County-Suffolk County | 50 |
| Charlotte-Concord-Gastonia | 49 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930091JQKCU3Z6IP44 | 2018–2025 |
Established 22 September 2014. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: LendingOne's data.
LendingOne's data
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LendingOne 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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