Applications / Mortgage Analytics / Lenders / California / PFN Lending Group
Calabasas, CA · Independent non-bank lender · CFPB · 916 loans in 2025
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916
loans originated, 2025
1,546
applications, 2025
34
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PFN Lending Group, a California non-bank lender, makes bigger loans than most of its peers, but its lending shrank by 16% in 2025 as the market grew.
Its typical loan was $405,000, against $325,000 at similar lenders (independent non-bank lenders making between half and twice as many loans). Jumbo loans, larger than the conforming limit, made up 12.5% of its lending, against 1.1% at the typical peer, a higher share than at almost all of them. So a middling loan count produced $558.6 million, more than at most peers.
Conventional loans were 82.9% of its lending, more than at four in five similar lenders. Loans insured by the Federal Housing Administration (FHA) were 15.0% and those guaranteed by the Department of Veterans Affairs (VA) 2.1%, both below peers. Purchases made up 63.5% of its loans and refinances 35.7%.
Its loans fell 16%, to 916, while similar lenders grew 2% and the whole market 10%. Its share in Oxnard-Thousand Oaks-Ventura slipped to 0.5% from 0.7%, in line with that smaller book. It still lends in 34 states and added Blacksburg, Virginia, in 2025. It made 4,086 loans in 2021; the data do not say why it has not regained that scale.
Some 41.5% of its loans were in majority-minority neighborhoods, against 24.9% at similar lenders, more than at three in four of them. Its biggest market is Los Angeles-Long Beach-Anaheim, where it ranks 108 of 757 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PFN Lending Group took 1,546 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.5% · Refinance 35.7% · Other 0.8%
Conventional 82.9% · FHA 15.0% · VA 2.1% · USDA (RHS or FSA) 0.1% · of 916 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 | 343 | 37.4% |
| Florida | 180 | 19.7% |
| Texas | 106 | 11.6% |
| Michigan | 78 | 8.5% |
| New Jersey | 20 | 2.2% |
| Tennessee | 19 | 2.1% |
| New York | 15 | 1.6% |
| Maryland | 14 | 1.5% |
| North Carolina | 14 | 1.5% |
| Nevada | 14 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 180 |
| Orlando-Kissimmee-Sanford | 88 |
| Lakeland-Winter Haven | 44 |
| Oxnard-Thousand Oaks-Ventura | 43 |
| Riverside-San Bernardino-Ontario | 42 |
| Grand Rapids-Wyoming-Kentwood | 38 |
| Austin-Round Rock-San Marcos | 26 |
| Dallas-Plano-Irving | 23 |
| Anaheim-Santa Ana-Irvine | 18 |
| Fort Worth-Arlington-Grapevine | 15 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930091CYUK2SDZ6D37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3877173 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330886403 |
Established 1 January 2000. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: PFN Lending Group's data.
PFN Lending Group's data
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PFN Lending Group 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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