Applications / Mortgage Analytics / Lenders / California / Redwood Residential Acquisition
Mill Valley, CA · Non-bank lender · CFPB · 297 loans in 2025
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297
loans originated, 2025
306
applications, 2025
36
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Redwood Residential Acquisition mainly buys home loans from other lenders: it bought 17,751 in 2025 and made only 297 itself, most of them jumbo loans.
Its purchases of loans made by others rose to 17,751 in 2025, from 6,543 in 2024. Similar lenders, meaning non-bank lenders making between half and twice as many loans, typically bought none. Its own lending is a sideline to that business.
Its typical loan was $955,000, against $340,000 at similar lenders, the highest among them. Jumbo loans (larger than the conforming limit) made up 59.1% of its loans, down from 92.7% in 2024. Every loan was conventional.
It made 297 loans, up 163% from 113, faster than about nineteen in twenty similar lenders. That is still well below the 888 it made in 2021. Its loans reached 36 states, centered on California.
Borrowers with low or moderate incomes (LMI) took 2.0% of its loans, against 19.9% at similar lenders, among the lowest of them. Its share in poorer neighborhoods was 10.5%, against 18.4%. One plausible reason is its loan size: loans near a million dollars tend to go to high earners.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Redwood Residential Acquisition took 306 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.6% · Refinance 38.4%
Conventional 100.0% · of 297 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 | 44 | 14.8% |
| Texas | 32 | 10.8% |
| Florida | 24 | 8.1% |
| Arizona | 19 | 6.4% |
| Massachusetts | 18 | 6.1% |
| Washington | 16 | 5.4% |
| Georgia | 15 | 5.1% |
| Tennessee | 14 | 4.7% |
| Colorado | 13 | 4.4% |
| Illinois | 12 | 4.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Phoenix-Mesa-Chandler | 17 |
| Anaheim-Santa Ana-Irvine | 11 |
| Cambridge-Newton-Framingham | 10 |
| Chicago-Naperville-Schaumburg | 10 |
| Atlanta-Sandy Springs-Roswell | 9 |
| Los Angeles-Long Beach-Glendale | 9 |
| Seattle-Bellevue-Kent | 9 |
| Dallas-Plano-Irving | 7 |
| Minneapolis-St. Paul-Bloomington | 7 |
| San Diego-Chula Vista-Carlsbad | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F6Y1YO2YXN6135 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7271438405 |
Established 7 December 2009. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Redwood Residential Acquisition's data.
Redwood Residential Acquisition's data
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Redwood Residential Acquisition 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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