Bringing high touch to Wholesale Mortgage Lending

Turn Times

First Cal Wholesale offers industry leading loan turn times. From Underwriting to Funding we communicate expectations and prepare you for what to expect.


First Cal Wholesale follows the DU findings on all loan programs with no overlays!

Our Team

The First Cal Wholesale team is comprised of extremely knowledgeable associates ready to help from scenario to loan funding.

Welcome to First Cal Wholesale

With more than 25 years in mortgage lending First Cal understands how fast-paced and competitive business can be. This is why we have launched First Cal Wholesale, our streamlined wholesale lending channel. FIrst Cal Wholesale delivers loans directly to Fannie Mae, offering a loan product free of investor overlays. By combining this no overlay niche with a personalized approach and our loan origination technology we provide our broker partners with the speed and clarity they deserve from their wholesale partnerships.



Kevin Bailie and his team at First Cal separate themselves from other lenders by providing the type of service that seems to be lost in our industry. They always have a detailed understanding of our deals in process and are always available to work with us whenever a challenge arises. We value the way First Cal handles our loans as an invested partner and look forward to many more years of success together.

Yilam Kang, Principal of KL Capital Partners


Lending Geography