Applications / Mortgage Analytics / Lenders / California / Mackillie
Carmel, CA · Non-bank or government lender · CFPB · 215 loans in 2025
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215
loans originated, 2025
215
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mackillie is a California refinance lender that has grown steadily since it first reported in 2018, from 123 loans to 215.
Refinances made up 73.0% of its 215 loans in 2025, and all its lending was in California, across 22 metros. Nearly every loan was conventional. Its typical loan was $435,000, against $370,000 at similar lenders (non-bank or government lenders making between half and twice as many loans).
Its loans rose every year from 2019 to 2024, reaching 221. In 2025 they slipped 3%, while similar lenders grew 6% and the whole market 10%.
It ranked 9 of 300 lenders in Salinas, with 2.1% of the market, down from 2.8%. Its slightly lower count in a growing market may account for the dip. It also ranked 48 of 271 in Santa Cruz-Watsonville.
Jumbo loans, larger than the conforming limit, made up 16.8% of its lending, against 0.7% for peers. More than half its loans (53.9%) were in majority-minority neighborhoods, against 32.3%, higher than at about five in six 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mackillie took 215 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.0% · Purchase 27.0%
Conventional 99.5% · FHA 0.5% · of 215 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 | 215 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Salinas | 63 |
| Los Angeles-Long Beach-Glendale | 52 |
| Oakland-Fremont-Berkeley | 16 |
| Oxnard-Thousand Oaks-Ventura | 11 |
| Sacramento-Roseville-Folsom | 9 |
| Santa Cruz-Watsonville | 9 |
| San Jose-Sunnyvale-Santa Clara | 8 |
| Anaheim-Santa Ana-Irvine | 6 |
| Modesto | 5 |
| Riverside-San Bernardino-Ontario | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EKCY4J7PC8WH77 | 2018–2025 |
Established 11 August 2009. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Mackillie's data.
Mackillie's data
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Mackillie 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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