Applications / Mortgage Analytics / Lenders / California / PCB Bank
Los Angeles, CA · State non-member bank · FDIC · $3.3 billion assets · 138 loans in 2025
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138
loans originated, 2025
157
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PCB Bank, a Los Angeles bank that makes big loans to home buyers, nearly doubled its lending in 2025 after two lean years.
It made 138 loans in 2025, up 94% from 71. The typical similar lender (state non-member banks making between half and twice as many loans) grew 9%, and the whole market 10%. It grew faster than nearly all similar lenders. Even so, it made fewer loans than in 2022, when it made 305.
Its typical loan was $580,000, more than three times the $175,000 at similar lenders. Jumbo loans (larger than the conforming limit) were 5.0% of its lending, against 1.4%. Every loan was conventional, and 70.3% were for buying a home.
Only 2.6% of its loans went to borrowers with low or moderate incomes (LMI), against 28.1% at similar lenders, among the lowest of the group. Loans this large may go mostly to borrowers whose incomes are above LMI limits. Its share in LMI neighborhoods, 16.7%, was near the middle. Some 89.9% of its loans were in majority-minority neighborhoods, against 5.1%, possibly reflecting the few California metros where it lends.
It ranked 185 of 757 lenders in Los Angeles-Long Beach-Anaheim, where JPMorgan Chase Bank led. In its other markets its share rounds to 0.0%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PCB Bank took 157 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.3% · Refinance 28.3% · Home improvement 0.7% · Other 0.7%
Conventional 100.0% · of 138 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 | 133 | 96.4% |
| New York | 3 | 2.2% |
| Hawaii | 1 | 0.7% |
| New Jersey | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 84 |
| Riverside-San Bernardino-Ontario | 28 |
| Anaheim-Santa Ana-Irvine | 14 |
| Sacramento-Roseville-Folsom | 6 |
| New York-Jersey City-White Plains | 4 |
| Santa Rosa-Petaluma | 1 |
| Urban Honolulu | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930072UFREQ9ZZRG80 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3212402 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357463 | 2009–2017 |
Established 18 September 2003. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: PCB Bank's data.
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