Applications / Mortgage Analytics / Lenders / California / Mortgage Bank of California
Manhattan Beach, CA · Non-bank or government lender · CFPB · 17 loans in 2025
Mortgage Bank of California's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
17
loans originated, 2025
20
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Bank of California is now a very small lender: it made 17 loans in 2025, against 351 in 2021.
It made 205 loans in 2018, the year it first reported, and 351 in 2021. The count then fell to 203 in 2022, 45 in 2023 and 20 in 2024. It filed no report for 2020; that is a gap in the record, not a year without lending. The data do not say why its volume fell.
Its loans fell 15% in 2025. Similar lenders, non-bank or government lenders making between half and twice as many loans, fell 21%, so its decline was near the middle of the group, while the whole market grew 10%. The comparison rests on a group of 20 small lenders.
Despite its name and its address in Manhattan Beach, California, Florida is its main state. Its 17 loans were spread across 7 states and 12 metros, from Miami to Columbus, Ohio. It held only a trace of any market: it ranked 547 of 937 lenders in Miami-Fort Lauderdale-West Palm Beach, where it has lent since 2018.
With 17 loans, its shares of loan types, borrowers, neighborhoods and prices move a long way with each loan. They say little about how the lender works, and it would be unwise to draw conclusions from them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Mortgage Bank of California took 20 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 76.5% · Purchase 23.5%
Conventional 100.0% · of 17 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 |
|---|---|---|
| Florida | 10 | 58.8% |
| Georgia | 2 | 11.8% |
| California | 1 | 5.9% |
| Hawaii | 1 | 5.9% |
| North Carolina | 1 | 5.9% |
| Ohio | 1 | 5.9% |
| Utah | 1 | 5.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Lauderdale-Pompano Beach-Sunrise | 4 |
| Miami-Miami Beach-Kendall | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Lakeland-Winter Haven | 1 |
| Marietta | 1 |
| Riverside-San Bernardino-Ontario | 1 |
| Salt Lake City-Murray | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XR0EY1M0FVG232 | 2018–2025 |
Established 3 January 2018. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Mortgage Bank of California's data.
Mortgage Bank of California's data
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Mortgage Bank of California 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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