Applications / Mortgage Analytics / Lenders / California / Residential First Capital
Newport Beach, CA · Non-bank or government lender · CFPB · 65 loans in 2025
Residential First Capital's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
101
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Residential First Capital, a small Newport Beach non-bank lender, is mostly a refinance shop: three in four of its 65 loans in 2025 replaced an existing mortgage, and all were conventional.
Refinances made up 73.8% of its loans and purchases 23.1%. Every loan was conventional; it made no government-backed loans, and neither did the typical similar lender, meaning non-bank lenders making between half and twice as many loans. Nearly a quarter of its loans were jumbo (larger than the conforming limit), against 1.1% at peers, a share that held steady from 2024.
It made 65 loans in 2025, down 6% from 69, while the whole market grew 10%. Its count has stayed between 65 and 71 since 2023. It made 39 loans in 2018 and 57 in 2019; the record has no figures for 2020 to 2022.
Some 41.5% of its loans went to majority-minority neighborhoods, against 30.3% at similar lenders. A third of its borrowers had low or moderate incomes, more than at about two-thirds of its peers. With 65 loans, a handful either way moves these shares.
It lends in three states, mostly California, and is a small lender in each market, ranking 296 of 707 in Riverside-San Bernardino-Ontario. It has lent in Los Angeles, Riverside and San Diego since 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Residential First Capital took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 73.8% · Purchase 23.1% · Other 3.1%
Conventional 100.0% · of 65 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 | 63 | 96.9% |
| Washington | 1 | 1.5% |
| Wyoming | 1 | 1.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Anaheim-Santa Ana-Irvine | 20 |
| Riverside-San Bernardino-Ontario | 17 |
| San Diego-Chula Vista-Carlsbad | 11 |
| Los Angeles-Long Beach-Glendale | 6 |
| Oakland-Fremont-Berkeley | 2 |
| Oxnard-Thousand Oaks-Ventura | 2 |
| Sacramento-Roseville-Folsom | 1 |
| Salinas | 1 |
| San Jose-Sunnyvale-Santa Clara | 1 |
| Santa Maria-Santa Barbara | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009I5SQ5XN6WFU76 | 2018–2025 |
Established 11 July 1984. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Residential First Capital's data.
Residential First Capital's data
$215
Residential First 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.
Buy Residential First Capital's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]