Banc of California, National Association Mortgage Lending & HMDA Data, 2020
In 2020, Banc of California, National Association of Irvine, CA reported 214 mortgage applications totaling $408.0 million, down 70% from 2019. The average application was for $1,906,495, and applicants reported an average income of $328,380. 23% of its applications resulted in an originated loan and 1% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (84), Riverside-San Bernardino-Ontario, CA (26) and San Diego-Carlsbad, CA (21) (applications in parentheses).
| Mortgage Company & Address | Banc of California, National Association 18500 Von Karman Avenue Suite 1100 Irvine, CA 92612 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2020 2019 2018 2017 2016 2015 2014 |
| Total Number of Mortgage Applications | 214 |
| Total Mortgage Loan Application Amount | $407,990,000 |
| Average Mortgage Loan Application Amount | $1,906,495 |
| Highest Mortgage Loan Application Amount | $16,175,000 |
| Average Applicant Income | $328,380 |
| Highest Applicant Income | $481,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Banc of California, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 84 | $ 242,770,000 | $ 2,890,119 | $ 259,000 |
| Riverside-San Bernardino-Ontario, CA | 26 | $ 19,230,000 | $ 739,615 | $ 358,000 |
| San Diego-Carlsbad, CA | 21 | $ 21,175,000 | $ 1,008,333 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 17 | $ 27,275,000 | $ 1,604,411 | $ 481,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 14 | $ 26,130,000 | $ 1,866,428 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 13 | $ 20,155,000 | $ 1,550,384 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 10,520,000 | $ 1,315,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 10,215,000 | $ 1,459,285 | $ 0 |
| Santa Maria-Santa Barbara, CA | 4 | $ 4,310,000 | $ 1,077,500 | $ 0 |
| Oxnard-Thousand Oaks-Ventura, CA | 3 | $ 3,965,000 | $ 1,321,666 | $ 0 |
| Chico, CA | 2 | $ 2,270,000 | $ 1,135,000 | $ 0 |
| Outside any metro area | 2 | $ 1,330,000 | $ 665,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 2 | $ 3,210,000 | $ 1,605,000 | $ 0 |
| Vallejo-Fairfield, CA | 2 | $ 3,840,000 | $ 1,920,000 | $ 0 |
| Bakersfield, CA | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Modesto, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Pueblo, CO | 1 | $ 205,000 | $ 205,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 805,000 | $ 805,000 | $ 0 |
| San Rafael, CA | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Stockton-Lodi, CA | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Tucson, AZ | 1 | $ 6,935,000 | $ 6,935,000 | $ 0 |
| Yuba City, CA | 1 | $ 145,000 | $ 145,000 | $ 0 |
Mortgage Loan Application Detail Totals for Banc of California, National Association in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 93 | $126,215,000 | $1,357,000 | $11,375,000 | $0 | $0 |
| Cash-out Refinancing | 64 | $199,810,000 | $3,122,000 | $16,175,000 | $259,000 | $259,000 |
| Refinancing | 49 | $75,235,000 | $1,535,000 | $5,825,000 | $419,000 | $481,000 |
| Other Purpose | 7 | $5,905,000 | $843,000 | $1,105,000 | $0 | $0 |
| Home Improvement | 1 | $825,000 | $825,000 | $825,000 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 202 | $361,920,000 | $1,791,000 | $15,505,000 | $0 | $0 |
| Not Provided | 7 | $33,925,000 | $4,846,000 | $16,175,000 | $358,000 | $358,000 |
| White | 4 | $7,340,000 | $1,835,000 | $2,245,000 | $370,000 | $481,000 |
| Asian | 1 | $4,805,000 | $4,805,000 | $4,805,000 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 214 | $407,990,000 | $1,906,000 | $16,175,000 | $366,000 | $481,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Purchased By The Institution | 152 | $231,190,000 | $1,520,000 | $15,505,000 | $0 | $0 |
| Loan Originated | 49 | $146,795,000 | $2,995,000 | $16,175,000 | $366,000 | $481,000 |
| Application Withdrawn By Applicant | 9 | $23,825,000 | $2,647,000 | $5,825,000 | $0 | $0 |
| Application Denied By Financial Institution | 3 | $3,475,000 | $1,158,000 | $1,805,000 | $0 | $0 |
| Application Approved But Not Accepted | 1 | $2,705,000 | $2,705,000 | $2,705,000 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 211 | $404,515,000 | $1,917,000 | $16,175,000 | $366,000 | $481,000 |
| Debt-To-Income Ratio | 2 | $2,820,000 | $1,410,000 | $1,805,000 | $0 | $0 |
| Credit Application Incomplete | 1 | $655,000 | $655,000 | $655,000 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Banc of California, National Association's 2020 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Banc of California, National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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