Applications / Mortgage Analytics / Lenders / California / Loanleaders of America
Irvine, CA · Independent non-bank lender · CFPB · 117 loans in 2025
Loanleaders of America's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
117
loans originated, 2025
179
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Loanleaders of America, a small lender working mainly in Georgia, now makes most of its loans with government backing, a sharp change from 2020, when it made 2,063 loans, most of them conventional.
Loans insured by the Federal Housing Administration (FHA) were 56.4% of its lending in 2025, against 17.3% at similar lenders (independent lenders making between half and twice as many loans), higher than at about nine in ten of them. Another 9.4% were guaranteed by the Department of Veterans Affairs (VA). In 2020, 86.8% of its loans were conventional.
Refinances made up 65.8% of its loans. Its typical rate, 6.25%, was lower than at almost nine in ten peers, whose typical rate was 6.62%.
Low- and moderate-income (LMI) borrowers took 40.4% of its loans, against 19.2% for peers, higher than about nine in ten of them. Majority-minority neighborhoods took 44.4%, against 24.5%. FHA loans, which suit borrowers with modest savings, may account for much of this.
The lender made 117 loans in 2025, down 6% from 125, while peers shrank 2%. It made 2,063 in 2020 and 1,166 in 2021, and has shrunk every year since. The data do not say why, but its typical rate was 2.88% in 2020 against 6.25% in 2025, and for a lender that still makes mostly refinances, the end of cheap rates may account for much of the fall. It lends in 14 states, with small shares everywhere.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Loanleaders of America took 179 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.8% · Purchase 30.8% · Home improvement 3.4%
FHA 56.4% · Conventional 34.2% · VA 9.4% · of 117 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 | 24 | 20.5% |
| California | 19 | 16.2% |
| Florida | 11 | 9.4% |
| Pennsylvania | 11 | 9.4% |
| Texas | 11 | 9.4% |
| Washington | 9 | 7.7% |
| Maryland | 8 | 6.8% |
| Virginia | 7 | 6.0% |
| North Carolina | 4 | 3.4% |
| South Carolina | 4 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 22 |
| Los Angeles-Long Beach-Glendale | 6 |
| Riverside-San Bernardino-Ontario | 6 |
| Virginia Beach-Chesapeake-Norfolk | 4 |
| Baltimore-Columbia-Towson | 3 |
| Fort Worth-Arlington-Grapevine | 3 |
| Houston-Pasadena-The Woodlands | 3 |
| Tampa | 3 |
| Arlington-Alexandria-Reston | 2 |
| Austin-Round Rock-San Marcos | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300I43FC7P0IJMR13 | 2019–2025 |
Established 11 January 1999. Reported under HMDA 2019-2025.
Mergers, name changes, data editions and corrections: Loanleaders of America's data.
Loanleaders of America's data
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Loanleaders of America 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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