Applications / Mortgage Analytics / Lenders / New Jersey / Longbridge Financial
Mahwah, NJ · Independent non-bank lender · CFPB · 5,120 loans in 2025
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5,120
loans originated, 2025
8,187
applications, 2025
51
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Longbridge Financial, a non-bank lender from Mahwah, New Jersey, makes mostly government-insured loans to people who already own their homes, and its lending rose by a third in 2025.
Loans insured by the Federal Housing Administration (FHA) made up 78.5% of its lending, against 24.7% at the typical similar lender (independent non-bank lenders making between half and twice as many loans), the highest share in its group. That share has been falling, from 90.0% a year earlier, as conventional loans rose to 21.5%.
Refinances made up 73.1% of its loans and other purposes 17.7%; purchases were only 3.9%. Its typical loan was $225,000, against $315,000 at similar lenders. Almost all its borrowers, 95.3%, had low or moderate incomes, a share several times the typical peer's 27.8%.
It bought 3,493 loans from other lenders in 2025, besides the 5,120 it made. The typical similar lender bought none.
Its loans rose 33% in 2025, against 12% for similar lenders and 10% for the market. They have swung widely: 5,531 in 2022, 3,251 in 2023 and 5,120 in 2025. It lends in 1,065 counties but holds only a sliver of each of its largest markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Longbridge Financial took 8,187 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.1% · Other 17.7% · Home improvement 5.3% · Purchase 3.9%
FHA 78.5% · Conventional 21.5% · of 5,120 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 | 1,040 | 20.3% |
| Florida | 396 | 7.7% |
| Texas | 315 | 6.2% |
| New York | 235 | 4.6% |
| Arizona | 220 | 4.3% |
| Utah | 193 | 3.8% |
| Massachusetts | 191 | 3.7% |
| Tennessee | 179 | 3.5% |
| Colorado | 166 | 3.2% |
| North Carolina | 147 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 225 |
| Riverside-San Bernardino-Ontario | 145 |
| Phoenix-Mesa-Chandler | 131 |
| Anaheim-Santa Ana-Irvine | 127 |
| San Diego-Chula Vista-Carlsbad | 126 |
| New York-Jersey City-White Plains | 104 |
| Salt Lake City-Murray | 97 |
| Nassau County-Suffolk County | 95 |
| Houston-Pasadena-The Woodlands | 77 |
| Denver-Aurora-Centennial | 74 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MHH03ICJYEPE85 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5163058 | 2017–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7460530020 |
Established 6 June 2012. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: Longbridge Financial's data.
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