Applications / Mortgage Analytics / Lenders / California / General Mortgage Capital
Burlingame, CA · Independent non-bank lender · CFPB · 4,489 loans in 2025
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4,489
loans originated, 2025
5,625
applications, 2025
42
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
General Mortgage Capital, a Burlingame lender that makes only conventional loans, grew its lending by 36% in 2025, faster than about three-quarters of similar lenders.
Its loans rose to 4,489 from 3,308, while similar lenders (independent non-bank lenders making between half and twice as many loans) grew 10%, as did the whole market. Every loan was conventional. Its peers made a quarter of their loans (24.5%) with insurance from the Federal Housing Administration (FHA). Even so, it made about half as many loans as the 8,424 of 2020.
Its typical loan was $445,000, against $315,000 at similar lenders, and 4.9% of its loans were jumbo, larger than the conforming limit, against 1.1%. Only 14.5% of its borrowers had low or moderate incomes, about half its peers' 28.0%. Larger loans and the absence of FHA lending may account for much of that.
More than half its loans (53.6%) were in majority-minority neighborhoods, more than double the 24.8% at similar lenders and higher than about nineteen in twenty of them.
It turned down 1.3% of first-lien home-purchase applications on owner-occupied homes, against 4.3% at similar lenders, and 1.1% of refinance applications, against 7.7%. In San Jose it ranks 24 of 459 lenders, with 0.7% of the market, up 0.1 points.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. General Mortgage Capital took 5,625 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.2% · Refinance 35.8%
Conventional 100.0% · of 4,489 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 | 1,623 | 36.2% |
| Washington | 364 | 8.1% |
| Texas | 314 | 7.0% |
| Georgia | 307 | 6.8% |
| Massachusetts | 300 | 6.7% |
| North Carolina | 289 | 6.4% |
| New York | 229 | 5.1% |
| Florida | 142 | 3.2% |
| New Jersey | 123 | 2.7% |
| Ohio | 104 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Francisco-San Mateo-Redwood City | 286 |
| Seattle-Bellevue-Kent | 267 |
| Los Angeles-Long Beach-Glendale | 261 |
| Oakland-Fremont-Berkeley | 254 |
| San Jose-Sunnyvale-Santa Clara | 208 |
| Atlanta-Sandy Springs-Roswell | 177 |
| Anaheim-Santa Ana-Irvine | 170 |
| Riverside-San Bernardino-Ontario | 163 |
| Cambridge-Newton-Framingham | 151 |
| New York-Jersey City-White Plains | 146 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VELJPWWT51WN03 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3955839 | 2023–2023 |
Established 24 February 2005. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: General Mortgage Capital's data.
General Mortgage Capital's data
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General Mortgage 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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