HABITFACTORY USA, INC.
HABITFACTORY USA, INC. received 98 applications in 2025 and made 95 mortgages, in 19 counties across 3 states. The median rate its borrowers got was 6.875% on a median loan of $615,000. Of 95 decisions, 0 were denials — 0.0%.
| Legal Entity Identifier | 254900YVV9JOGMYFZO90 |
|---|---|
| Applications received | 98 |
| Mortgages made | 95 |
| Denied | 0 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 3 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.537 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | 6.875% | $605,000 | 0.0% |
| Refinancing | 15 | 6.750% | $645,000 | 0.0% |
| Cash-out refinancing | 13 | 6.750% | $495,000 | 0.0% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where HABITFACTORY USA, INC. lends most
The 19 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Los Angeles County, CA | 35 | 6.750% | 0.0% |
| Orange County, CA | 19 | 6.875% | 0.0% |
| San Bernardino County, CA | 16 | 6.875% | 0.0% |
| Riverside County, CA | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 3 | Under 10 loans | 0.0% |
| Ventura County, CA | 3 | Under 10 loans | 0.0% |
| Bexar County, TX | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| San Francisco County, CA | 1 | Under 10 loans | 0.0% |
| San Luis Obispo County, CA | 1 | Under 10 loans | 0.0% |
| San Mateo County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Fayette County, GA | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Denton County, TX | 1 | Under 10 loans | 0.0% |
| Williamson County, TX | 1 | Under 10 loans | 0.0% |
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When HABITFACTORY USA, INC.’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.