Applications / Mortgage Analytics / Lenders / California / Vision One Mortgage
Tustin, CA · Independent non-bank lender · CFPB · 193 loans in 2025
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193
loans originated, 2025
281
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vision One Mortgage is a California lender built on loans insured by the Federal Housing Administration (FHA), most of them in majority-minority neighborhoods, and in 2025 it grew while similar lenders shrank.
Just over half its loans, 51.8%, were FHA loans, against 16.0% at similar lenders (independent non-bank lenders making between half and twice as many loans). Only 46.6% were conventional, against 77.4% at its peers. Purchases made up 69.4% of its lending. Its loans are also large: the typical one was $535,000, against $320,000, higher than about nine in ten similar lenders.
Of its loans, 89.1% went to majority-minority neighborhoods, against 21.0% at its peers. And 34.7% went to low- and moderate-income (LMI) neighborhoods, about double the peer figure of 18.2%. Yet only 10.0% went to LMI borrowers themselves, against 20.8%, lower than more than four in five similar lenders. Its large typical loan suggests one possible reason: buyers of costlier homes in poorer areas may earn more than their neighbors.
It made 193 loans in 2025, up 32% from 146. Similar lenders fell 1% and the whole market rose 10%. The rise still leaves it far below 2021, when it made 1,328 loans.
It has lent in Southern California since 2009 but holds tiny shares there. In Riverside-San Bernardino-Ontario it held 0.1% of the market, unchanged, ranking 161 of 707 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Vision One Mortgage took 281 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.4% · Refinance 28.0% · Home improvement 2.6%
FHA 51.8% · Conventional 46.6% · VA 1.6% · of 193 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 | 179 | 92.7% |
| Texas | 10 | 5.2% |
| Arizona | 2 | 1.0% |
| Florida | 2 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 69 |
| Los Angeles-Long Beach-Glendale | 68 |
| Anaheim-Santa Ana-Irvine | 26 |
| Houston-Pasadena-The Woodlands | 7 |
| Bakersfield-Delano | 5 |
| San Diego-Chula Vista-Carlsbad | 5 |
| San Antonio-New Braunfels | 2 |
| San Rafael | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Gainesville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007VDE1SMI6Z0Q04 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4185624 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7202838708 | 2009–2009 |
| Respondent ID (the HMDA filer code before 2018) | 7203828708 | 2010–2016 |
Established 14 November 2005. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Vision One Mortgage's data.
Vision One Mortgage's data
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Vision One Mortgage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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