Applications / Mortgage Analytics / Lenders / California / Mortgage Management Consultants
Palmdale, CA · Independent non-bank lender · CFPB · 105 loans in 2025
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105
loans originated, 2025
151
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mortgage Management Consultants, a small California lender, makes nearly half its loans with insurance from the Federal Housing Administration, about three times its peers' share.
Loans insured by the Federal Housing Administration (FHA) made up 47.6% of its lending in 2025, against 15.4% at similar lenders, meaning independent non-bank lenders making between half and twice as many loans. In 2020 the share was 18.0%. Most of its loans, 84.8%, were for home purchases.
Some 30.5% of its loans were in low- and moderate-income neighborhoods, against 18.4% at similar lenders, higher than about four in five of them. Majority-minority neighborhoods took 69.5%, against 24.8%. Its typical loan, $385,000, was larger than peers' $305,000. Its lending centers on Los Angeles and Riverside-San Bernardino.
Its loans fell 20% in 2025, to 105. Similar lenders fell 1%, and the whole market rose 10%. It made 1,293 loans in 2020. The data do not say why its volume fell.
It lent in seven states and 13 metros, but holds small shares everywhere. In Los Angeles, its largest market, it ranked 332 of 757 lenders. In Las Vegas its share was 0.1%, unchanged. Its newest market is Albuquerque, entered in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mortgage Management Consultants took 151 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.8% · Refinance 15.2%
Conventional 50.5% · FHA 47.6% · VA 1.9% · of 105 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 | 58 | 55.2% |
| Nevada | 35 | 33.3% |
| Arizona | 4 | 3.8% |
| Idaho | 3 | 2.9% |
| Texas | 3 | 2.9% |
| New Mexico | 1 | 1.0% |
| Utah | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 43 |
| Las Vegas-Henderson-North Las Vegas | 35 |
| Bakersfield-Delano | 7 |
| Riverside-San Bernardino-Ontario | 6 |
| Lake Havasu City-Kingman | 3 |
| Albuquerque | 1 |
| Boise City | 1 |
| Flagstaff | 1 |
| Fort Worth-Arlington-Grapevine | 1 |
| Fresno | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OQ5QR1CNV5HY08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3955660 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7810615913 |
Established 2 June 2003. Reported under HMDA 2008-2025.
Mergers, name changes, data editions and corrections: Mortgage Management Consultants's data.
Mortgage Management Consultants's data
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Mortgage Management Consultants 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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