Applications / Mortgage Analytics / Lenders / California / Bank of Hope
Los Angeles, CA · State non-member bank · FDIC · $18.5 billion assets · 889 loans in 2025
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889
loans originated, 2025
1,299
applications, 2025
25
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Hope makes large home-purchase loans, much of them in majority-minority areas, and its originations rose 49% to 889 in 2025, faster than more than nine in ten similar lenders, in the year it merged with Territorial Savings Bank.
Originations rose 49%, against 10% at similar lenders (state non-member banks making between half and twice as many loans) and 10% for the whole market. Its 2025 merger with Territorial Savings Bank is one possible source of the added lending; its share in Urban Honolulu rose 0.3 points to 0.3%, where the merged bank's filings count. Its yearly totals have swung widely, from 206 in 2023 to 595 in 2024.
Purchases were 76.0% of its loans, all conventional. Its typical loan, $535,000, was among the largest of its peers, against $195,000, and its dollar volume was $592.3 million, against $213.9 million. Its typical rate, 6.12%, was lower than about nine in ten peers (6.75%).
Majority-minority areas took 55.1% of its loans, against 7.2% at similar lenders, and LMI (low- and moderate-income) areas 20.6%, against 15.3%. LMI borrowers took 6.7%, among the lowest of its peers, against 26.4%; its large loans, in markets such as New York-Newark-Jersey City and Los Angeles-Long Beach-Anaheim, are one possible reason.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Hope took 1,299 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.0% · Refinance 15.7% · Other 7.6% · Home improvement 0.6%
Conventional 100.0% · of 889 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 |
|---|---|---|
| New York | 494 | 55.6% |
| California | 111 | 12.5% |
| New Jersey | 71 | 8.0% |
| Hawaii | 56 | 6.3% |
| Washington | 18 | 2.0% |
| Georgia | 16 | 1.8% |
| Connecticut | 14 | 1.6% |
| Pennsylvania | 14 | 1.6% |
| Texas | 13 | 1.5% |
| Ohio | 12 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 440 |
| Nassau County-Suffolk County | 85 |
| Los Angeles-Long Beach-Glendale | 73 |
| Urban Honolulu | 54 |
| Anaheim-Santa Ana-Irvine | 22 |
| Atlanta-Sandy Springs-Roswell | 14 |
| Riverside-San Bernardino-Ontario | 11 |
| Lakewood-New Brunswick | 9 |
| Seattle-Bellevue-Kent | 9 |
| Chicago-Naperville-Schaumburg | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F570XAWYN8Z237 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 671464 | 2013–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2671464 | 1990–1990 |
| Respondent ID (the HMDA filer code before 2018) | 326610 | 2012–2016 |
| Respondent ID (the HMDA filer code before 2018) | 9671464 | 2017–2017 |
Established 18 March 1986. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Hope's data.
Bank of Hope's data
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