Mortgage Banker
Stearns Lending
Stearns Lending, LLC, historically based in Santa Ana, California, was a non-bank mortgage originator specializing in residential home loans, including conventional, FHA, and VA products tailored for diverse borrowers. Its primary focus as a mortgage banker involved direct funding and underwriting of consumer mortgages using warehouse financing, without depository services.
Key Statistics
As of May 2026, public records show Stearns Lending has originated approximately $11.2B in loan volume over the past 12 months, with an average loan size of $324k.
Volume (12mo)
$11.2B
Avg Loan Size
$324k
Total Mortgages
326,464
Total Borrowers
74,582
Lending Entities
Stearns Lending funds loans through the following entities. These are the legal entities that appear on recorded mortgage documents.
226,664 mortgages recorded
70,041 mortgages recorded
20,480 mortgages recorded
+174 more entities not shown
Geography
Stearns Lending's lending activity is concentrated in the following states, based on recorded mortgage data from the past 12 months.
Mortgages (12mo): 6,769
Volume (12mo): $3.0B
Total Volume: $40.5B
Mortgages (12mo): 3,663
Volume (12mo): $1.2B
Total Volume: $5.8B
Mortgages (12mo): 2,848
Volume (12mo): $1.0B
Total Volume: $6.6B
Top Borrowers
The following individuals have the most recorded mortgage transactions with Stearns Lending. Click on a borrower to view their full investor profile.
+74,579 more borrowers not shown
FAQ
What type of lender is Stearns Lending?
Stearns Lending is classified as an mortgage banker based on our research. Mortgage bankers are residential lenders that fund loans from their balance sheet or warehouse lines. They have a mix of business (2%) and personal loans in their portfolio.
What entities does Stearns Lending fund loans under?
Stearns Lending originates mortgages through 177 different lending entities. The most common include Stearns Lending, Kind Lending, and Home Mortgage Alliance. These are the legal entity names that appear on recorded mortgage documents.
Where is Stearns Lending most active?
Based on recorded mortgages, Stearns Lending is most active in California, Texas, and Florida.
How many loans has Stearns Lending originated?
Public records show 326,464 mortgages recorded for Stearns Lending, with $11.2B in volume over the past 12 months.
What is the average loan size for Stearns Lending?
The average mortgage size for Stearns Lending is $324k based on all recorded mortgages.
Does Stearns Lending offer short-term loans?
Stearns Lending primarily offers long-term financing, with only 0% of loans being short-term.
How is this data collected?
Elementix aggregates mortgage data from public county records across the United States. We use AI to normalize lender names, identify aliases, and connect borrowers to their lending relationships.