Applications / Mortgage Analytics / Lenders / California / Monarch Funding
Anaheim, CA · Independent non-bank lender · CFPB · 13 loans in 2025
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13
loans originated, 2025
13
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Monarch Funding, a California lender that has filed mortgage data since 1990, made just 13 loans in 2025, a sliver of the 387 it made in 2020.
Its loans fell from 22 in 2024 to 13 in 2025, a drop of 41%, while similar lenders grew by 15%. Those peers are independent non-bank lenders making between half and twice as many loans, 16 of them. The decline began earlier: it made 239 loans in 2021, 48 in 2022 and 24 in 2023. Its typical rate rose from 3.00% in 2020 to 6.62% in 2025, which may have left fewer borrowers with reason to buy or refinance.
With 13 loans, its shares of lending to lower-income borrowers or particular neighborhoods, and its typical loan size, rest on too few cases to compare with peers. They were conventional home purchases and refinances, with no government-backed loans among them.
Its lending covers five metros and six counties, all in California. Its largest markets are around Riverside-San Bernardino-Ontario and Los Angeles-Long Beach-Anaheim, where it has lent since 1990 but now ranks 343rd of 707 and 638th of 757 lenders. United Wholesale Mortgage led around Riverside, and JPMorgan Chase Bank around Los Angeles.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Monarch Funding took 13 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.5% · Refinance 38.5%
Conventional 100.0% · of 13 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 | 13 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 9 |
| Anaheim-Santa Ana-Irvine | 1 |
| Oxnard-Thousand Oaks-Ventura | 1 |
| Redding | 1 |
| Santa Rosa-Petaluma | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ULXKJUJDK2RQ54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4188102 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7953363852 | |
| Respondent ID (the HMDA filer code before 2018) | 76468609997 | 1990–1999 |
Established 2 April 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Monarch Funding's data.
Monarch Funding's data
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Monarch Funding 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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