Applications / Mortgage Analytics / Lenders / California / T. J. Financial
Arcadia, CA · Independent non-bank lender · CFPB · 248 loans in 2025
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248
loans originated, 2025
324
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
T. J. Financial is a California lender of large conventional loans, and in 2025 it grew while similar lenders stood still.
Its loans rose 28%, to 248, while the typical similar lender (an independent non-bank making between half and twice as many loans) was flat and the whole market grew 10%. That was faster growth than about four in five of its peers. Purchases and refinances each made up about half its lending.
Every loan it made was conventional, with none insured by the Federal Housing Administration or guaranteed by the Department of Veterans Affairs. Its typical loan was $600,000, almost twice the $325,000 of similar lenders and larger than at more than nine in ten of them. Its typical rate, 6.12%, was lower than at nearly nine in ten.
Only 9.3% of its loans went to low- and moderate-income borrowers, against 22.1% at similar lenders. Loans this large tend to go to higher earners, which may account for much of the difference. Yet 79.0% of its loans were in majority-minority neighborhoods, nearly four times the peer figure of 21.7%. All its lending was in California.
It made 2,261 loans in 2020, when its typical rate was 3.12%, and only 156 in 2023. With refinancing still half its business, the cheap money of 2020 may explain the earlier peak. It has since grown for two years running.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. T. J. Financial took 324 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.4% · Purchase 49.6%
Conventional 100.0% · of 248 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 | 248 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 103 |
| Anaheim-Santa Ana-Irvine | 31 |
| Riverside-San Bernardino-Ontario | 26 |
| San Diego-Chula Vista-Carlsbad | 24 |
| San Francisco-San Mateo-Redwood City | 16 |
| San Jose-Sunnyvale-Santa Clara | 16 |
| Oakland-Fremont-Berkeley | 13 |
| Sacramento-Roseville-Folsom | 8 |
| Oxnard-Thousand Oaks-Ventura | 6 |
| Fresno | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005NIBYLNJC10826 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4731003 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7954248183 |
Established 13 December 1989. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: T. J. Financial's data.
T. J. Financial's data
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T. J. 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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