Applications / Mortgage Analytics / Lenders / California / Mason-McDuffie Mortgage
San Ramon, CA · Independent non-bank lender · CFPB · 2,690 loans in 2025
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2,690
loans originated, 2025
3,894
applications, 2025
28
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mason-McDuffie Mortgage, a California non-bank lending in 28 states, is a purchase lender that grew faster than the typical similar lender in 2025, and its largest market is now Minneapolis-St. Paul.
It made 2,690 loans, up 17% on 2024. The typical similar lender, here meaning independent non-bank lenders making between half and twice as many loans, grew 10%, as did the whole market. Its count has risen each year since 2022, when it made 1,575, but remains about half the 5,525 it made in 2020.
Home purchases made up 81.0% of its loans. Conventional loans took 74.3%, more than at most peers, and loans insured by the Federal Housing Administration (FHA) 17.7%, against 22.9% at the typical similar lender. Its typical loan, $355,000, was the same as in 2024 and five years before.
Minneapolis-St. Paul, which it entered in 2022, is now its largest market; it ranked 55 of 688 lenders there, with 0.3% of lending. In Santa Cruz it ranked 8 of 271, but its share slipped to 2.5% from 2.9%. Its growth went to other markets, which could explain the slip, as could stronger lending by its rivals.
Of its loans, 21.3% were in majority-minority neighborhoods, down from 39.6% five years before and below the 26.4% at peers. The fall coincides with its spread into new markets such as Minneapolis-St. Paul, Ogden and Fargo, whose populations may differ from those of its California base.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mason-McDuffie Mortgage took 3,894 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 81.0% · Refinance 19.0%
Conventional 74.3% · FHA 17.7% · VA 6.7% · USDA (RHS or FSA) 1.3% · of 2,690 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 | 903 | 33.6% |
| Minnesota | 314 | 11.7% |
| Washington | 247 | 9.2% |
| Texas | 215 | 8.0% |
| Oregon | 190 | 7.1% |
| Nevada | 184 | 6.8% |
| Tennessee | 127 | 4.7% |
| Colorado | 109 | 4.1% |
| Arizona | 99 | 3.7% |
| Idaho | 49 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Minneapolis-St. Paul-Bloomington | 270 |
| Chico | 135 |
| Sacramento-Roseville-Folsom | 110 |
| Portland-Vancouver-Hillsboro | 95 |
| Dallas-Plano-Irving | 80 |
| Santa Cruz-Watsonville | 79 |
| Lake Havasu City-Kingman | 78 |
| Tacoma-Lakewood | 77 |
| Reno | 74 |
| Oakland-Fremont-Berkeley | 72 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UB5TJ0YPVPT503 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1578449 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 72323700008 | 2006–2011 |
| Respondent ID (the HMDA filer code before 2018) | 7202693054 | 2017–2017 |
Established 10 January 2005. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Mason-McDuffie Mortgage's data.
Mason-McDuffie Mortgage's data
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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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