Applications / Mortgage Analytics / Lenders / California / S&S Financial
Laguna Hills, CA · Non-bank or government lender · CFPB · 13 loans in 2025
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13
loans originated, 2025
13
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
S&S Financial, a California non-bank lender, made 13 loans in 2025, the same as in 2024 and a sliver of the 460 it made in 2020.
Its lending peaked at 460 loans in 2020, then fell to 36 in 2022 and 10 in 2023. It has made 13 a year since. Its record begins with its first report in 2017. The data do not say why its lending shrank so far. Its typical rate was 2.88% in 2020 against 6.50% now, and a lender that leans on refinancing, as it still does, may simply have found far fewer borrowers with a reason to switch.
Similar lenders, the 14 non-bank lenders making between half and twice as many loans, saw their typical count fall 18% in 2025, while the whole market grew 10%. S&S Financial's count did not move. With so few loans, a handful either way would swing any comparison.
Refinances made up 69.2% of its loans and home purchases the rest. All were conventional, with none backed by the government, and none was on a manufactured home. It lent in one state, across 3 metros and 4 counties. At 13 loans, its shares of lower-income borrowers and neighborhoods are too small to read much into.
In Los Angeles-Long Beach-Anaheim it ranked 464 of 757 lenders, in a market led by JPMorgan Chase Bank, United Wholesale Mortgage and Rocket Mortgage. In Riverside-San Bernardino-Ontario it ranked 481 of 707, and its share rounds to zero. It has lent in both since 2017.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. S&S Financial took 13 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 69.2% · Purchase 30.8%
Conventional 100.0% · of 13 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 | 13 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 7 |
| Riverside-San Bernardino-Ontario | 4 |
| Los Angeles-Long Beach-Glendale | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SRKBH68TX76851 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7473715280 |
Established date not on record. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: S&S Financial's data.
S&S Financial's data
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S&S Financial 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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