Applications / Mortgage Analytics / Lenders / California / First Bridge Funding
Petaluma, CA · Non-bank or government lender · CFPB · 18 loans in 2025
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18
loans originated, 2025
19
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bridge Funding, a small Petaluma lender that began reporting in 2024, makes conventional loans across California, most of them for home purchases.
It first reported its mortgage lending in 2024, with 23 loans. In 2025 it made 18, worth $10.2 million. Similar lenders, here non-bank or government lenders making between half and twice as many loans, typically made 25. All its loans were conventional, and home purchases were 72.2% of them.
Its typical loan was $600,000, against $385,000 at the typical similar lender. Its main markets include San Francisco-Oakland-Fremont, San Jose-Sunnyvale-Santa Clara and Napa. With 18 loans, though, even that gap is too thin to read much into.
Its 18 loans were spread over nine metro areas and ten counties. It entered Napa, San Diego-Chula Vista-Carlsbad and Stockton-Lodi in 2025. It is a minor player everywhere, ranking 322 of 606 lenders in San Francisco-Oakland-Fremont. Its shares of lending to lower-income borrowers and neighborhoods, and its rate, are likewise too thin to compare.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bridge Funding took 19 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.2% · Refinance 27.8%
Conventional 100.0% · of 18 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 | 18 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Oakland-Fremont-Berkeley | 9 |
| San Jose-Sunnyvale-Santa Clara | 2 |
| Napa | 1 |
| Sacramento-Roseville-Folsom | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
| San Francisco-San Mateo-Redwood City | 1 |
| San Rafael | 1 |
| Santa Rosa-Petaluma | 1 |
| Stockton-Lodi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008N2M81OOM8SX05 | 2024–2025 |
Established 8 March 2017. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: First Bridge Funding's data.
First Bridge Funding's data
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First Bridge Funding 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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