Applications / Mortgage Analytics / Lenders / California / Residential Wholesale Mortgage
San Diego, CA · Independent non-bank lender · CFPB · 2,228 loans in 2025
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2,228
loans originated, 2025
3,274
applications, 2025
29
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Residential Wholesale Mortgage, a San Diego non-bank lender, nearly doubled its lending in 2025, to 2,228 loans, some of it in new markets in Texas and Virginia.
Its loans rose 91% in 2025, faster than at all but a few similar lenders, meaning independent non-bank lenders making between half and twice as many loans. The typical one grew 9%, and the whole market 10%. It is rebuilding: it made 3,475 loans in 2020 and only 671 in 2023.
Some of the growth came from places it entered in 2025. It took 1.5% of Lubbock, ranking 18 of 341 lenders. It also entered Wichita Falls, Odessa and Lynchburg, Virginia. In San Diego, its home market, its share held at 0.4%.
Its typical loan fell from $375,000 to $325,000, close to the $315,000 at peers. Low- and moderate-income borrowers rose from 14.5% to 24.6% of its lending, still a little below the 28.2% at similar lenders. Some 34.3% of its loans went to majority-minority neighborhoods, more than at two-thirds of peers.
Its typical rate was 6.50%, lower than at about three in four similar lenders. It turned down 2.1% of home-purchase applications, against 4.2% at peers. VA loans (guaranteed by the Department of Veterans Affairs) made up 11.4% of its lending, more than at four in five peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Wholesale Mortgage took 3,274 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 84.7% · Refinance 14.7% · Other 0.4% · Home improvement 0.2%
Conventional 65.7% · FHA 21.9% · VA 11.4% · USDA (RHS or FSA) 1.0% · of 2,228 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 | 677 | 30.4% |
| Texas | 490 | 22.0% |
| Arizona | 130 | 5.8% |
| Washington | 106 | 4.8% |
| Georgia | 102 | 4.6% |
| North Carolina | 102 | 4.6% |
| South Carolina | 93 | 4.2% |
| Ohio | 77 | 3.5% |
| Utah | 60 | 2.7% |
| Nevada | 59 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Diego-Chula Vista-Carlsbad | 202 |
| Riverside-San Bernardino-Ontario | 191 |
| Lubbock | 95 |
| Austin-Round Rock-San Marcos | 94 |
| Visalia | 83 |
| Lake Havasu City-Kingman | 81 |
| Atlanta-Sandy Springs-Roswell | 71 |
| Bellingham | 62 |
| Fresno | 62 |
| Charleston-North Charleston | 44 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MUXFVZKH4XLG17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4323761 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7330594693 |
Established 12 January 1994. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Residential Wholesale Mortgage's data.
Residential Wholesale Mortgage's data
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Residential Wholesale Mortgage 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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