Home Bank Of California Mortgage Rates, Fees & Info

San Diego, CA

LEI: 2549005AULHKP8HBJL75

Tax ID: 95-3658226

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Home Bank Of California is a smaller bank specializing in Home Purchase, Cash Out Refi, and Refi loans. Home Bank Of California has a high proportion of conventional loans. Their top markets by origination volume include: San Diego, Los Angeles, El Centro, and Riverside among others. We have data for 4 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Home Bank Of California has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    32

    Origination Dollar Volume (All Markets)

    $15,080,000

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 27 $13,005,000 $481,667 $0 0.00%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $1,500,000 $750,000 $0 0.00%
    EL CENTRO, CA (FHA|USDA|VA) 1 $355,000 $355,000 $0 0.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $220,000 $110,000 $0 0.00%
    Home Bank Of California's top markets include San Diego, Los Angeles, El Centro, and Riverside among others.

    Their top states include:
  • California (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 32 $15,080,000 $471,250 $0 0.00%

    For 2019, Home Bank Of California's most frequently originated type of loan was Conventional, with 32 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 18 $6,350,000 $352,778 $0 0.00%
    Cash Out Refi 9 $4,685,000 $520,556 $0 0.00%
    Refi 5 $4,045,000 $809,000 $0 0.00%

    For 2019, Home Bank Of California's most frequently cited loan purpose was Home Purchase, with 18 originations. The 2nd most popular reason was Cash Out Refi, with 9 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 32 $15,080,000 $471,250 $0 0.00%

    For 2019, Home Bank Of California's most frequently cited loan duration was Other, with 32 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 15 $4,435,000 $295,667 $0 0.00%
    $400k-600k 5 $2,605,000 $521,000 $0 0.00%
    $600k-1MM 5 $3,675,000 $735,000 $0 0.00%
    $100k-200k 3 $445,000 $148,333 $0 0.00%
    $1MM+ 3 $3,835,000 $1,278,333 $0 0.00%
    $100,000 or less 1 $85,000 $85,000 $0 0.00%

    2019 saw Home Bank Of California place emphasis on $200k-400k loans with 15 originations, totaling $4,435,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $250k+ 9 $3,435,000 $381,667 $0 0.00%
    $100k-150k 3 $765,000 $255,000 $0 0.00%
    $50k-75k 2 $370,000 $185,000 $0 0.00%
    $75k-100k 2 $1,050,000 $525,000 $0 0.00%
    $50k or less 1 $355,000 $355,000 $0 0.00%

    Home Bank Of California lent most frequently to those with incomes in the $250k+ range, with 9 originations. The second most popular income band? $100k-150k, with 3 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 32 $15,080,000 $471,250 $0 0.00%

    Home Bank Of California lent most frequently to those with DTI ratios of Exempt%, with 32 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 15 $9,105,000 $607,000 $0 0.00%
    White 10 $4,150,000 $415,000 $0 0.00%
    Not provided 5 $1,325,000 $265,000 $0 0.00%
    Asian 2 $500,000 $250,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    93.33%

    Home Bank Of California has an average approval rate.

    Pick Rate

    Approvals leading to origination
    75.00%

    Home Bank Of California has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 32 $15,080,000 $471,250

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 9 $5,785,000 $642,778
    Single Family (1-4 Units):Site-Built 23 $9,295,000 $404,130

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    HOME BANCSHARES, INC. Other type of mortgage Trouble during payment process 1 100.0%