--- title: 1-4 Unit Investor Lenders in California: 622 Made Loans in 2025 url: https://lender.report/investor-1-4-lenders/california/ license: https://lender.report/license/ --- 1-4 Unit Investor ยท CA # 1-4 Unit Investor lenders in California 622 lenders made at least one 1-4 unit investor or business-purpose loan in California in 2025. United Wholesale Mortgage made the most, with 3,906 of the 60,231 on record. **Evidence** Lender made at least one 1-4 unit investor or business-purpose loan in California in 2025 (HMDA) **Data as of** HMDA 2025 **Page last changed** November 11, 2026 **Lenders on record** 622 HMDA, 2025 **Investor loans, 2025** 60,231 HMDA, 2025 1-4 units or business purpose **Based in the state** 246 HMDA, 2025 Cite this Source: The Lender Report, 1-4 Unit Investor lenders in California, https://lender.report/investor-1-4-lenders/california/, data as of December 31, 2025. ## Describe a deal in California See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show 1-4 unit investor loans in California](https://lender.report/comps/?lane=investor_1to4&state=CA)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Loans in state | Loans nationwide | Typical loan | | --- | --- | --- | --- | --- | --- | | [United Wholesale Mortgage](https://lender.report/lender/united-wholesale-mortgage-mi/) [1-4 unit investor record](https://lender.report/lender/united-wholesale-mortgage-mi/investor-1-4/) | Non-bank | Pontiac, MI | 3,906 | 31,218 | $205K | | [Kiavi Funding, Inc.](https://lender.report/lender/kiavi-funding-ca/) [1-4 unit investor record](https://lender.report/lender/kiavi-funding-ca/investor-1-4/) | Non-bank | San Francisco, CA | 3,233 | 25,518 | $215K | | [The Loan Store, Inc](https://lender.report/lender/loan-store-az/) [1-4 unit investor record](https://lender.report/lender/loan-store-az/investor-1-4/) | Non-bank | Tucson, AZ | 2,249 | 11,868 | $275K | | [Rocket Mortgage](https://lender.report/lender/rocket-mortgage-mi/) [1-4 unit investor record](https://lender.report/lender/rocket-mortgage-mi/investor-1-4/) | Non-bank | Detroit, MI | 2,219 | 13,753 | $215K | | [Ocmbc, Inc.](https://lender.report/lender/ocmbc-ca/) [1-4 unit investor record](https://lender.report/lender/ocmbc-ca/investor-1-4/) | Non-bank | Irvine, CA | 1,694 | 6,043 | $255K | | [East West Bank](https://lender.report/lender/east-west-bank-ca/) [1-4 unit investor record](https://lender.report/lender/east-west-bank-ca/investor-1-4/) | Bank | Pasadena, CA | 1,318 | 2,164 | $455K | | [Pennymac Loan Services LLC](https://lender.report/lender/pennymac-loan-services-ca/) [1-4 unit investor record](https://lender.report/lender/pennymac-loan-services-ca/investor-1-4/) | Non-bank | Westlake Village, CA | 1,243 | 6,372 | $335K | | [Conventus Lending LLC](https://lender.report/lender/conventus-lending-ca/) [1-4 unit investor record](https://lender.report/lender/conventus-lending-ca/investor-1-4/) | Non-bank | San Francisco, CA | 1,176 | 2,417 | $605K | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) [1-4 unit investor record](https://lender.report/lender/jpmorgan-chase-bank-oh/investor-1-4/) | Bank | Columbus, OH | 978 | 4,691 | $305K | | [AmWest Funding Corp](https://lender.report/lender/amwest-funding-ca/) [1-4 unit investor record](https://lender.report/lender/amwest-funding-ca/investor-1-4/) | Non-bank | Brea, CA | 907 | 5,001 | $245K | | [Center Street Lending Fund VIII SPE LLC](https://lender.report/lender/center-street-lending-fund-viii-spe-ca/) [1-4 unit investor record](https://lender.report/lender/center-street-lending-fund-viii-spe-ca/investor-1-4/) | Non-bank | Irvine, CA | 906 | 1,282 | $765K | | [Crosscountry Mortgage, LLC](https://lender.report/lender/crosscountry-mortgage-oh/) [1-4 unit investor record](https://lender.report/lender/crosscountry-mortgage-oh/investor-1-4/) | Non-bank | Cleveland, OH | 893 | 10,082 | $265K | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) [1-4 unit investor record](https://lender.report/lender/u-s-bank-oh/investor-1-4/) | Bank | Cincinnati, OH | 839 | 2,786 | $325K | | [Merchants Mortgage & Trust Corporation, LLC](https://lender.report/lender/merchants-mortgage-and-trust-co/) [1-4 unit investor record](https://lender.report/lender/merchants-mortgage-and-trust-co/investor-1-4/) | Non-bank | Greenwood Village, CO | 824 | 1,953 | $425K | | [Kind Lending, LLC](https://lender.report/lender/kind-lending-ca/) [1-4 unit investor record](https://lender.report/lender/kind-lending-ca/investor-1-4/) | Non-bank | Irvine, CA | 807 | 4,110 | $275K | | [HomeXpress Mortgage Corp.](https://lender.report/lender/homexpress-mortgage-ca/) [1-4 unit investor record](https://lender.report/lender/homexpress-mortgage-ca/investor-1-4/) | Non-bank | Santa Ana, CA | 771 | 5,811 | $255K | | [Champions Funding, LLC](https://lender.report/lender/champions-funding-az/) [1-4 unit investor record](https://lender.report/lender/champions-funding-az/investor-1-4/) | Non-bank | Gilbert, AZ | 689 | 7,467 | $295K | | [Guaranteed Rate, Inc.](https://lender.report/lender/guaranteed-rate-il/) | Non-bank | Chicago, IL | 686 | 5,730 | $295K | | [Anchor Loans LP](https://lender.report/lender/anchor-loans-ca/) [1-4 unit investor record](https://lender.report/lender/anchor-loans-ca/investor-1-4/) | Non-bank | Thousand Oaks, CA | 650 | 1,577 | $465K | | [Citadel Servicing Corporation](https://lender.report/lender/citadel-servicing-ca/) [1-4 unit investor record](https://lender.report/lender/citadel-servicing-ca/investor-1-4/) | Non-bank | Irvine, CA | 648 | 4,136 | $285K | | [Val-Chris Investments Inc.](https://lender.report/lender/val-chris-investments-ca/) [1-4 unit investor record](https://lender.report/lender/val-chris-investments-ca/investor-1-4/) | Non-bank | Irvine, CA | 632 | 760 | $180K | | [Change Lending](https://lender.report/lender/change-lending-ca/) [1-4 unit investor record](https://lender.report/lender/change-lending-ca/investor-1-4/) | Non-bank | Anaheim, CA | 613 | 2,644 | $300K | | [Genesis Capital, LLC](https://lender.report/lender/genesis-capital-ca/) [1-4 unit investor record](https://lender.report/lender/genesis-capital-ca/investor-1-4/) | Non-bank | Sherman Oaks, CA | 605 | 1,159 | $935K | | [Cake Mortgage Corp.](https://lender.report/lender/cake-mortgage-ca/) [1-4 unit investor record](https://lender.report/lender/cake-mortgage-ca/investor-1-4/) | Non-bank | Chatsworth, CA | 597 | 725 | $535K | | [Schoolsfirst Credit Union](https://lender.report/lender/schoolsfirst-credit-union-ca/) | Credit union | Santa Ana, CA | 562 | 562 | $155K | HMDA, 2025 [See all 622 1-4 unit investor lenders in California in Loan Comps](https://lender.report/comps/?lane=investor_1to4&state=CA) - Lenders made 60,231 1-4 unit investor or business-purpose loans in California in 2025. HMDA, 2025 - The five most active lenders made 22.1% of them. HMDA, 2025 - Non-banks made 82.8% of these loans in California. HMDA, 2025 - 340 lenders made 10 or more of these loans in California in 2025. HMDA, 2025 - 246 of these lenders are based in California, and the rest lend in from other states. HMDA, 2025 - United Wholesale Mortgage made 3,906 loans here, and Kiavi Funding, Inc. made 3,233. HMDA, 2025 - These lenders: 155 banks, 16 savings institutions, 114 credit unions and 337 non-bank lenders. HMDA, 2025 - Among these lenders, the median 1-4 unit investor loan nationally is $255K. HMDA, 2025 ## How this list is defined **Measure** 1-4 unit investor loans made in California **Period** 2025 **Formula** Count, by lender, of HMDA records for 1-4 unit loans that are non-owner-occupied or business purpose, placed in California in 2025. A lender is listed if it made at least one. **Order** Largest first by loans made in 2025, then name. Payment is not part of the order. **As of** 2025 **Source** [HMDA](https://ffiec.cfpb.gov/data-browser/) **Changelog** November 12, 2026: First published, with the data built on this date. These are rental homes of up to four units, financed by the investor and not the person living there, including business-purpose loans. HMDA reports these loans by lender and state, without dollars by state. It cannot tell a DSCR loan from a full-documentation investor loan. Each lender is counted only where the public file places the loan. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.