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investment property lenders · HMDA 2023–2025

Investment property lenders in California

Fat Boy Data analyzed investment property mortgage activity in California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 100,712 applications were decided by 883 lenders between 2023 and 2025.

California at a glance

883Active lenders330 with 20+ decisions
88.0%Market approval rate88,652 of 100,712 decided
$535KTypical loanmedian lender, $10K brackets
95%Borrower take-up84,280 loans funded

How California compares

Approval rate compared
California88.0%All 616 counties87.5%
Typical loan compared
California$535KAll 616 counties$255K

What the data shows

Kiavi Funding, Inc. made the most investment property mortgages in California, 7,917 of them.

Nmsi, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 445.

The typical investment property mortgage here is $535K, 110% larger than the the United States typical of $255K.

Approval rate of all 60 lenders with 20+ decisions here
0%25%50%75%100%21St Mortgage Corporation: 37% approved of 808Hometown Equity Mortgage, LLC: 55% approved of 796Deephaven Mortgage LLC: 63% approved of 434Homexpress Mortgage Corp.: 66% approved of 843Bank of America, National Association: 68% approved of 1,738Flagstar Bank, National Association: 71% approved of 555BMO Bank National Association: 72% approved of 626Loan Funder LLC: 72% approved of 707Kind Lending, LLC: 74% approved of 1,469Angel Oak Mortgage Solutions LLC: 78% approved of 405Champions Funding, LLC: 79% approved of 479U.S. Bank National Association: 79% approved of 2,390Clearedge Lending LLC: 82% approved of 474Wells Fargo Bank, National Association: 82% approved of 1,837Rocket Mortgage, LLC: 84% approved of 4,799PNC Bank, National Association: 85% approved of 442United Wholesale Mortgage, LLC: 85% approved of 6,954Arc Home LLC: 87% approved of 431Cathay Bank: 87% approved of 494JPMorgan Chase Bank, National Association: 87% approved of 2,225Pennymac Loan Services, LLC: 87% approved of 1,859NexBank: 88% approved of 548American Financial Network, Inc.: 88% approved of 379Sierra Pacific Mortgage Company, Inc.: 88% approved of 445Flexpoint, Inc.: 89% approved of 734Newrez LLC: 90% approved of 533Ocmbc, Inc.: 90% approved of 1,940Golden Empire Mortgage, Inc.: 91% approved of 395Citibank, National Association: 91% approved of 892Lennar Mortgage, LLC: 92% approved of 1,768Loandepot.Com, LLC: 92% approved of 1,146American Pacific Mortgage Corporation: 92% approved of 638Nexera Holding LLC: 93% approved of 588Movement Mortgage, LLC: 93% approved of 458Kiavi Funding, Inc.: 93% approved of 8,806Morgan Stanley Private Bank, National Association: 94% approved of 592Amwest Funding Corp.: 94% approved of 1,030Dhi Mortgage Company, Ltd.: 94% approved of 747Guaranteed Rate, Inc.: 94% approved of 944Charles Schwab Bank, SSB: 95% approved of 404East West Bank: 95% approved of 2,382Change Lending, LLC: 95% approved of 560Cmg Mortgage, Inc.: 95% approved of 814Fairway Independent Mortgage Corporation: 95% approved of 402The Loan Store, Inc.: 95% approved of 2,116Guild Mortgage Company LLC: 96% approved of 472Royal Pacific Funding Corp.: 97% approved of 549New American Funding, LLC: 97% approved of 539Aaa Capital Investment, Inc.: 97% approved of 539Alameda Mortgage Corporation: 97% approved of 410Citadel Servicing Corporation: 97% approved of 927Fidelity Lending Solutions, Inc.: 98% approved of 452Genesis Capital, LLC: 98% approved of 979Crosscountry Mortgage, LLC: 98% approved of 1,684Merchants Mortgage & Trust Corporation, LLC: 99% approved of 1,641New Wave Lending Group Inc: 99% approved of 658Conventus LLC: 99% approved of 1,929General Mortgage Capital Corporation: 100% approved of 687Nmsi, Inc.: 100% approved of 445Emet Lending Group, Inc.: 100% approved of 422

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Investment property lenders in California

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.93%8,226 / 8,80696%$695K7,917
2United Wholesale Mortgage, LLCBroker only85%5,926 / 6,95498%$385K5,837
3Rocket Mortgage, LLC84%4,046 / 4,79999%$425K3,987
4U.S. Bank National Association79%1,894 / 2,39098%$705K1,855
5East West Bank95%2,254 / 2,38297%$515K2,178

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 878 more lenders.

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Other lending data for California

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Counties in California

Los Angeles CountyCountySan Diego CountyCountyOrange CountyCountyRiverside CountyCountySan Bernardino CountyCountySanta Clara CountyCountyAlameda CountyCountySacramento CountyCountyContra Costa CountyCountyFresno CountyCountyKern CountyCountyVentura CountyCounty