Applications / Mortgage Analytics / Lenders / California / Fundloans Capital
San Diego, CA · Non-bank or government lender · CFPB · 957 loans in 2025
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957
loans originated, 2025
1,972
applications, 2025
30
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Fundloans Capital, a San Diego lender, makes big conventional loans, mostly refinances, and its typical loan is about twice the size of similar lenders'.
Its typical loan in 2025 was $605,000, against $305,000 at similar lenders (non-bank lenders making between half and twice as many loans). Almost two in five of its loans (39.0%) were jumbo, larger than the conforming limit, against 3.1% for its peers. Every loan was conventional, with no government-backed lending, and refinances made up 62.6% of the total.
Only 10.7% of its borrowers had low or moderate incomes (LMI), against 36.4% at similar lenders; nine in ten of them had a higher share. Its share of loans in LMI neighborhoods, 12.3%, was about half its peers'. Loans this large tend to go to better-off borrowers, which may account for much of the gap. In majority-minority neighborhoods its share, 36.1%, was close to its peers' 37.0%.
Its loans fell 3% to 957 in 2025, while similar lenders grew 13% and the whole market 10%. The dip followed a jump from 582 loans in 2023 to 985 in 2024. It still made far more loans than in 2020, when it made 286.
In San Diego it ranks 49 of 639 lenders, with 0.4% of the market, up 0.1 points. It lent in 30 states in 2025. Markets it entered that year include Olympia, Washington, and Wildwood-The Villages, Florida.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Fundloans Capital took 1,972 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.6% · Purchase 31.3% · Home improvement 6.1%
Conventional 100.0% · of 957 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 | 536 | 56.0% |
| Florida | 125 | 13.1% |
| Texas | 47 | 4.9% |
| Arizona | 38 | 4.0% |
| Georgia | 26 | 2.7% |
| Washington | 25 | 2.6% |
| Hawaii | 20 | 2.1% |
| Nevada | 20 | 2.1% |
| Utah | 17 | 1.8% |
| Colorado | 15 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 175 |
| San Diego-Chula Vista-Carlsbad | 147 |
| Anaheim-Santa Ana-Irvine | 72 |
| Riverside-San Bernardino-Ontario | 44 |
| Miami-Miami Beach-Kendall | 35 |
| Phoenix-Mesa-Chandler | 34 |
| Fort Lauderdale-Pompano Beach-Sunrise | 21 |
| Las Vegas-Henderson-North Las Vegas | 19 |
| Atlanta-Sandy Springs-Roswell | 16 |
| Sacramento-Roseville-Folsom | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A68YW07V5R5G22 | 2018–2025 |
Established 25 March 2014. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Fundloans Capital's data.
Fundloans Capital's data
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Fundloans Capital 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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