Applications / Mortgage Analytics / Lenders / California / Linked Home Loans
San Ramon, CA · Non-bank or government lender · CFPB · 22 loans in 2025
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22
loans originated, 2025
38
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Linked Home Loans, a young California lender of home-purchase loans, made 22 loans in 2025, down from 131 in its first reported year.
Linked Home Loans first reported in 2024, with 131 loans. In 2025 it made 22, a fall of 83%, while similar lenders (non-bank lenders making between half and twice as many loans) shrank 8%. Two years make no trend, and the data do not say why lending fell.
Home purchases were 68.2% of its loans and refinances 31.8%. Almost all were conventional. Its typical loan was $460,000, larger than peers' $390,000. Most of its lending is in California.
Its share in Sacramento, its largest market, fell to 0.0% from 0.3%, and in Napa to 0.1% from 0.2%. In Vallejo it held 0.1%, unchanged. Both falls may simply follow from its smaller total of loans.
On 22 loans, its shares of loans to poorer borrowers and neighborhoods, of government-backed loans and of higher-priced loans rest on a handful of cases. They say little about the lender yet.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Linked Home Loans took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.2% · Refinance 31.8%
Conventional 90.9% · VA 9.1% · of 22 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 | 21 | 95.5% |
| Texas | 1 | 4.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Sacramento-Roseville-Folsom | 13 |
| Vallejo | 3 |
| Dallas-Plano-Irving | 1 |
| Los Angeles-Long Beach-Glendale | 1 |
| Napa | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007UO49TL9LEDN58 | 2024–2025 |
Established 17 December 2020. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Linked Home Loans's data.
Linked Home Loans's data
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Linked Home Loans 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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