Applications / Mortgage Analytics / Lenders / Connecticut / Luxury Mortgage
Stamford, CT · Independent non-bank lender · CFPB · 989 loans in 2025
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989
loans originated, 2025
1,781
applications, 2025
33
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Luxury Mortgage is a big-loan specialist: its typical loan of $615,000 was the largest among similar lenders, and nearly a quarter of its loans were jumbos.
Its typical loan was about double the $315,000 of similar lenders (independent non-bank lenders making between half and twice as many loans). Jumbo loans, larger than the conforming limit, made up 23.3% of its lending, against 1.2% for peers. Every loan was conventional; peers made 21.9% of theirs with insurance from the Federal Housing Administration.
It bought 2,098 loans from other lenders in 2025, more than twice the 989 it made itself, and up from 1,144 in 2024. Similar lenders typically bought none. No peer bought more.
Borrowers with low or moderate incomes took 4.8% of its loans, among the lowest of similar lenders, whose typical figure was 27.1%. Its large loans may be one reason, since buyers of costly homes tend to earn more. Yet 23.0% of its loans were in poorer neighborhoods and 41.8% in majority-minority ones, both higher than at most peers.
Its lending fell from 2,991 loans in 2021 to 243 in 2023. It has climbed since, rising 29% in 2025 to 989 loans, faster than about four in five similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Luxury Mortgage took 1,781 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.4% · Refinance 31.0% · Other 6.4% · Home improvement 0.2%
Conventional 100.0% · of 989 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 | 302 | 30.5% |
| Florida | 217 | 21.9% |
| New York | 176 | 17.8% |
| New Jersey | 67 | 6.8% |
| Texas | 30 | 3.0% |
| Arizona | 26 | 2.6% |
| Pennsylvania | 22 | 2.2% |
| Massachusetts | 18 | 1.8% |
| Colorado | 14 | 1.4% |
| Connecticut | 14 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 132 |
| Los Angeles-Long Beach-Glendale | 121 |
| Miami-Miami Beach-Kendall | 86 |
| Nassau County-Suffolk County | 49 |
| San Diego-Chula Vista-Carlsbad | 39 |
| Orlando-Kissimmee-Sanford | 33 |
| Riverside-San Bernardino-Ontario | 29 |
| Lakewood-New Brunswick | 26 |
| Anaheim-Santa Ana-Irvine | 25 |
| Fort Lauderdale-Pompano Beach-Sunrise | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900V6GCDMRQZ34D96 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3921647 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 71099800006 | 1998–2017 |
Established 27 August 1996. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Luxury Mortgage's data.
Luxury Mortgage's data
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Luxury Mortgage 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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