Banc of California, National Association Mortgage Lending & HMDA Data, 2015
In 2015, Banc of California, National Association of Irvine, CA reported 26,800 mortgage applications totaling $9.3 billion, up 36% from 2014. The average application was for $345,944, and applicants reported an average income of $108,564. 54% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,728), Riverside-San Bernardino-Ontario, CA (3,051) and Oakland-Hayward-Berkeley, CA (1,390) (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 | 26,800 |
| Total Mortgage Loan Application Amount | $9,271,314,000 |
| Average Mortgage Loan Application Amount | $345,944 |
| Highest Mortgage Loan Application Amount | $25,130,000 |
| Average Applicant Income | $108,564 |
| Highest Applicant Income | $8,870,000 |
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of California, National Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Banc of California, National Association in 2015
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 |
|---|---|---|---|---|---|---|
| Refinancing | 13,881 | $4,796,482,000 | $345,000 | $20,000,000 | $102,000 | $7,093,000 |
| Home Purchase | 12,872 | $4,458,880,000 | $346,000 | $25,130,000 | $116,000 | $8,870,000 |
| Home Improvement | 47 | $15,952,000 | $339,000 | $1,008,000 | $11,000 | $124,000 |
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 |
|---|---|---|---|---|---|---|
| White | 13,021 | $4,600,462,000 | $353,000 | $20,000,000 | $130,000 | $5,885,000 |
| Hispanic | 5,309 | $1,451,585,000 | $273,000 | $2,350,000 | $74,000 | $2,235,000 |
| Not applicable | 2,650 | $916,114,000 | $345,000 | $25,130,000 | $0 | $0 |
| Not Provided | 2,403 | $1,102,128,000 | $458,000 | $17,000,000 | $180,000 | $8,870,000 |
| Asian | 1,959 | $782,651,000 | $399,000 | $5,830,000 | $132,000 | $2,920,000 |
| Black or African American | 1,149 | $321,807,000 | $280,000 | $3,500,000 | $90,000 | $2,506,000 |
| Native Hawaiian or Other Pacific Islander | 213 | $70,286,000 | $329,000 | $955,000 | $102,000 | $423,000 |
| American Indian or Alaskan Native | 96 | $26,281,000 | $273,000 | $744,000 | $94,000 | $515,000 |
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) | 16,385 | $6,424,233,000 | $392,000 | $25,130,000 | $133,000 | $8,870,000 |
| FHA-insured (Federal Housing Administration) | 7,647 | $2,097,306,000 | $274,000 | $869,000 | $69,000 | $600,000 |
| VA-guaranteed (Veterans Administration) | 2,607 | $721,336,000 | $276,000 | $1,162,000 | $72,000 | $417,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 161 | $28,439,000 | $176,000 | $413,000 | $54,000 | $130,000 |
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 Originated | 14,557 | $5,374,819,000 | $369,000 | $25,130,000 | $121,000 | $8,870,000 |
| Loan Purchased By The Institution | 4,316 | $1,026,706,000 | $237,000 | $2,326,000 | $36,000 | $1,978,000 |
| Application Withdrawn By Applicant | 4,195 | $1,489,938,000 | $355,000 | $20,000,000 | $125,000 | $7,093,000 |
| Application Denied By Financial Institution | 1,913 | $687,264,000 | $359,000 | $3,900,000 | $114,000 | $4,035,000 |
| Application Approved But Not Accepted | 1,309 | $525,023,000 | $401,000 | $6,175,000 | $128,000 | $2,791,000 |
| File Closed For Incompleteness | 510 | $167,564,000 | $328,000 | $3,900,000 | $145,000 | $5,885,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 661 | $255,695,000 | $386,000 | $3,835,000 | $82,000 | $2,320,000 |
| Credit History | 537 | $163,504,000 | $304,000 | $3,480,000 | $108,000 | $2,778,000 |
| Credit Application Incomplete | 215 | $78,869,000 | $366,000 | $2,500,000 | $148,000 | $3,368,000 |
| Collateral | 202 | $67,828,000 | $335,000 | $2,100,000 | $146,000 | $4,035,000 |
| Other | 163 | $62,161,000 | $381,000 | $3,500,000 | $129,000 | $1,131,000 |
| Unverifiable Information | 55 | $23,067,000 | $419,000 | $2,470,000 | $209,000 | $3,087,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 48 | $24,834,000 | $517,000 | $3,900,000 | $199,000 | $2,045,000 |
| Employment History | 32 | $11,306,000 | $353,000 | $815,000 | $84,000 | $204,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Banc of California, National Association's 2015 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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