Applications / Mortgage Analytics / Lenders / California / First Standard Financial
Los Angeles, CA · Independent non-bank lender · CFPB · 423 loans in 2025
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423
loans originated, 2025
423
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Standard Financial, a Los Angeles non-bank lender, makes big conventional loans, mostly for home purchases, and its typical loan was almost twice that of similar lenders in 2025.
Its typical loan was $615,000, against $330,000 at the typical similar lender, an independent non-bank lender making between half and twice as many loans. That was higher than almost all of them. Some 10.2% of its loans were jumbo (larger than the conforming limit), against 0.9%. Purchases made up 61.2% of its lending, and 97.4% of its loans were conventional. Its home market, Los Angeles, is where it ranked highest, 95 of 757 lenders.
Some 79.0% of its loans went to majority-minority neighborhoods, against 25.1% at the typical similar lender. That is higher than almost nine in ten similar lenders. Its largest markets are Los Angeles and Riverside-San Bernardino-Ontario, and where it lends may account for much of the gap.
It made 423 loans in 2025, down 4% from 441, while similar lenders grew by 2% and the whole market by 10%. The longer record swings widely. It made 891 loans in 2020, fell to 130 in 2023 and more than tripled in 2024. Its dollar volume, $294.4 million, was about twice the typical similar lender's, because its loans are so much larger.
It lends in 28 counties across six states. In 2025 it made its first loans in non-metro Georgia, in Killeen-Temple, Texas, and in Merced, California. Its shares there are still too small to register.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Standard Financial took 423 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.2% · Refinance 38.8%
Conventional 97.4% · FHA 2.6% · of 423 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 | 397 | 93.9% |
| New Jersey | 18 | 4.3% |
| Texas | 3 | 0.7% |
| Arizona | 2 | 0.5% |
| Washington | 2 | 0.5% |
| Georgia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 213 |
| Anaheim-Santa Ana-Irvine | 112 |
| Riverside-San Bernardino-Ontario | 34 |
| New York-Jersey City-White Plains | 15 |
| San Diego-Chula Vista-Carlsbad | 9 |
| Bakersfield-Delano | 6 |
| Oakland-Fremont-Berkeley | 6 |
| Oxnard-Thousand Oaks-Ventura | 6 |
| San Francisco-San Mateo-Redwood City | 3 |
| San Jose-Sunnyvale-Santa Clara | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001K7B4W8IPMZ254 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 5023554 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7205479066 |
Established 26 May 2006. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: First Standard Financial's data.
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