Applications / Mortgage Analytics / Lenders / California / NMSI
Los Angeles, CA · Independent non-bank lender · CFPB · 3,255 loans in 2025
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3,255
loans originated, 2025
3,255
applications, 2025
29
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
NMSI, a Los Angeles mortgage company, makes big conventional loans, with California its main state, and bought 1,935 loans from other lenders in 2025.
Its typical loan, $555,000, was larger than at nearly all similar lenders, which are independent non-bank lenders making between half and twice as many loans; their typical loan was $315,000. Conventional loans made up 93.1% of its lending. Loans insured by the Federal Housing Administration (FHA) rose to 6.9% from 1.5%, still well below the peer share of 23.0%.
Besides its 3,255 originations it bought 1,935 loans from other lenders, up from 1,438 in 2024. The typical similar lender bought none.
Its originations fell 1% as similar lenders grew 11% and the whole market 10%. Volume dropped to 2,061 in 2023 from 9,563 in 2020, then recovered to 3,297 in 2024. Its share rose to 0.5% from 0.3% in San Jose-Sunnyvale-Santa Clara and slipped to 0.5% from 0.6% in Riverside-San Bernardino-Ontario. In Los Angeles-Long Beach-Anaheim it ranked 29 of 757.
Majority-minority neighborhoods took 64.0% of its loans, against 25.8% at similar lenders, more than at all but a few of them. That may reflect where it lends: its main state is California and its largest markets are the state's big metros.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. NMSI took 3,255 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.3% · Refinance 31.7%
Conventional 93.1% · FHA 6.9% · of 3,255 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 | 2,145 | 65.9% |
| Colorado | 168 | 5.2% |
| Texas | 163 | 5.0% |
| Georgia | 124 | 3.8% |
| Washington | 96 | 2.9% |
| Florida | 94 | 2.9% |
| Illinois | 75 | 2.3% |
| Virginia | 60 | 1.8% |
| Maryland | 57 | 1.8% |
| New Jersey | 49 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 559 |
| Anaheim-Santa Ana-Irvine | 500 |
| Riverside-San Bernardino-Ontario | 361 |
| San Jose-Sunnyvale-Santa Clara | 157 |
| Oakland-Fremont-Berkeley | 141 |
| San Diego-Chula Vista-Carlsbad | 133 |
| Denver-Aurora-Centennial | 119 |
| Sacramento-Roseville-Folsom | 99 |
| Atlanta-Sandy Springs-Roswell | 98 |
| Chicago-Naperville-Schaumburg | 64 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DCGBXW5FJMV921 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7263874984 |
Established 2 December 2008. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: NMSI's data.
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