Applications / Mortgage Analytics / Lenders / California / Bank of Marin
Novato, CA · State non-member bank · FDIC · $3.9 billion assets · 241 loans in 2025
Bank of Marin's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
241
loans originated, 2025
346
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Marin, a California bank with $3.9 billion in assets, does little home-purchase lending: purchases were just 6.2% of its 241 loans in 2025.
Home-improvement loans were 39.8% of its lending and refinances 35.3%. Its typical loan was $155,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans). In 2020 it was $605,000. Its loans jumped from 48 in 2021 to 267 in 2022; its 2021 merger with American River Bank is one possible part of that change.
It lent $127.2 million, more than nearly nine in ten similar lenders, whose typical total was $50.3 million. Its typical loan was smaller than theirs, so it may make some large loans alongside many small ones.
Borrowers with low or moderate incomes (LMI) took 4.3% of its loans, against 28.1%, among the lowest of similar lenders. Lending mainly to existing owners rather than to buyers is one possible reason. Majority-minority neighborhoods took 21.2% of its loans, against 6.5%.
It ranks 55 of 330 in Santa Rosa-Petaluma, with an unchanged 0.4% share, and 33 of 229 in Napa, where its share slipped 0.1 points to 0.6%. In Sacramento-Roseville-Folsom its share rose 0.1 points to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Marin took 346 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.8% · Refinance 35.3% · Other 18.7% · Purchase 6.2%
Conventional 100.0% · of 241 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 |
|---|---|---|
| California | 241 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| San Rafael | 88 |
| Santa Rosa-Petaluma | 42 |
| Napa | 25 |
| Oakland-Fremont-Berkeley | 25 |
| Sacramento-Roseville-Folsom | 24 |
| San Francisco-San Mateo-Redwood City | 22 |
| Vallejo | 3 |
| Riverside-San Bernardino-Ontario | 2 |
| Anaheim-Santa Ana-Irvine | 1 |
| San Diego-Chula Vista-Carlsbad | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EGL1VV7LY0QU69 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1436204 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 332779 | 1991–2017 |
Established 23 January 1990. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Bank of Marin's data.
Bank of Marin's data
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