[2] As of 2013[update], First Cal had funded more than 300,000 home loans, mostly in California, and had a Better Business Bureau rating of A−.
First Cal was founded in 1977 by Dennis Hart to provide builder and retail financing.
[4] Three years later, Headlands was taken public (NASDAQ: HDLD) prior to being sold to GreenPoint Mortgage in 1999.
In 2003, First Cal resumed mortgage lending to serve mortgage brokers and retail borrowers in the San Francisco Bay Area[5] behind President Christopher K Hart, son of Dennis Hart.
In 2010, First Cal had a silver sponsor and participates as a team in the American Cancer Society's Relay for Life.