Applications / Mortgage Analytics / Lenders / California / Banc One Mortgage
Orange, CA · Non-bank or government lender · CFPB · 172 loans in 2025
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172
loans originated, 2025
216
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Banc One Mortgage, a mortgage company based in Orange, California, grew its lending by 15% in 2025 and made its first loans in at least five new metros, yet it makes a fraction of the 982 loans it made in 2020.
The company made 982 loans in 2020, filed no report for 2021, then made 247 in 2022 and 143 in 2023. Rising rates may account for much of the fall: its typical rate was 2.88% in 2020 and 6.75% in 2025. It has since edged back: 172 loans in 2025, up 15%, against 6% for similar lenders (other non-bank lenders making between half and twice as many loans) and 10% for the whole market.
Its loans now reach 10 states and 23 metros. In 2025 it lent for the first time in Prescott Valley, Portland, Boise, Grand Rapids and Virginia Beach, each a sliver of those markets. In Riverside it ranks 139 of 707 lenders, with a share of 0.1%, unchanged from a year earlier.
Its typical loan was $535,000, against $365,000 at similar lenders and $375,000 for the company in 2020. Every loan in 2025 was conventional, whereas a third were insured by the Federal Housing Administration (FHA) a year earlier. One year cannot show whether it has left that business.
Nearly three-quarters of its loans, 72.7%, went to majority-minority neighborhoods, against 33.0% at similar lenders, a higher share than almost all of them. That may follow its markets: Los Angeles and Riverside are its largest. In poorer neighborhoods (low- and moderate-income tracts) its share, 22.4%, is close to its peers' 21.2%.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Banc One Mortgage took 216 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.4% · Refinance 39.5% · Other 4.1%
Conventional 100.0% · of 172 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 | 153 | 89.0% |
| Arizona | 4 | 2.3% |
| Texas | 4 | 2.3% |
| Oregon | 3 | 1.7% |
| Florida | 2 | 1.2% |
| Georgia | 2 | 1.2% |
| Idaho | 1 | 0.6% |
| Michigan | 1 | 0.6% |
| Virginia | 1 | 0.6% |
| Washington | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Riverside-San Bernardino-Ontario | 79 |
| Los Angeles-Long Beach-Glendale | 39 |
| Anaheim-Santa Ana-Irvine | 29 |
| Houston-Pasadena-The Woodlands | 2 |
| Oakland-Fremont-Berkeley | 2 |
| Portland-Vancouver-Hillsboro | 2 |
| Prescott Valley-Prescott | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Bellingham | 1 |
| Boise City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OLJQ30ZT21BC55 | 2020–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7470996983 |
Established 21 May 2014. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: Banc One Mortgage's data.
Banc One Mortgage's data
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