Applications / Mortgage Analytics / Lenders / California / Open Bank
Los Angeles, CA · State non-member bank · FDIC · $2.7 billion assets · 26 loans in 2025
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26
loans originated, 2025
34
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Open Bank, a Los Angeles bank, bought 205 home loans from other lenders in 2025 but made only 26 of its own.
Its purchases of loans rose from 68 in 2024 to 205 in 2025. The typical similar lender, a state non-member bank making between half and twice as many loans, bought none. Few banks of its size get so much of their mortgage business this way.
It made 117 loans in 2018, 101 in 2020, 41 in 2022 and 15 in 2023. Last year it edged up to 26 from 23, too few loans to read a trend into. One possibility is that buying loans has taken the place of making them, since its purchases climbed as its own lending shrank.
With 26 loans, its shares of jumbo loans, of loans in particular neighborhoods or of any one product rest on too few loans to set against its 262 peers. All were conventional. It lends in two states and six metros, mainly in California, from San Francisco and Los Angeles to San Diego, and in Las Vegas. Where its share of a market is given, it rounds to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Open Bank took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.7% · Refinance 26.9% · Other 15.4%
Conventional 100.0% · of 26 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 | 24 | 92.3% |
| Nevada | 2 | 7.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 13 |
| Anaheim-Santa Ana-Irvine | 6 |
| Las Vegas-Henderson-North Las Vegas | 2 |
| Riverside-San Bernardino-Ontario | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| San Francisco-San Mateo-Redwood City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WOJCNL7B110W30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3357219 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357944 | 2013–2017 |
Established 10 June 2005. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Open Bank's data.
Open Bank's data
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