Banc Of California Mortgage Rates, Fees & Info
Santa Ana, CALEI: 549300IBHVRZNE4YFN80
Tax ID: 95-6047013
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Mortgage Data
Bank Data
Review & Overview
Banc Of California is a smaller mortgage company specializing in various types of mortgages.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
0Origination Dollar Volume (All Markets)
$0Employee count
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Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| BANK OF THE WEST | Conventional home mortgage | Trouble during payment process | 6 | 20.0% |
| BANK OF THE WEST | VA mortgage | Trouble during payment process | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Trouble during payment process | 2 | 6.7% |
| BANK OF THE WEST | Other type of mortgage | Struggling to pay mortgage | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Closing on a mortgage | 1 | 3.3% |
| BANK OF THE WEST | Other type of mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 3.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Trouble during payment process | 3 | 10.0% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Closing on a mortgage | 4 | 13.3% |
| BANK OF THE WEST | Home equity loan or line of credit (HELOC) | Applying for a mortgage or refinancing an existing mortgage | 2 | 6.7% |
| BANK OF THE WEST | FHA mortgage | Trouble during payment process | 1 | 3.3% |
| BANK OF THE WEST | Conventional home mortgage | Struggling to pay mortgage | 2 | 6.7% |
| BANK OF THE WEST | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 5 | 16.7% |
| BANK OF THE WEST | Conventional home mortgage | Closing on a mortgage | 1 | 3.3% |
Bank Details
Branches
| Bank Name | Branch | Branch Type | Deposits (000's) |
|---|---|---|---|
| Banc of California, National Association | 1 World Trade Center, Suite 125 Long Beach, CA 90802 | Full Service B&M | $25,511 |
| Banc of California, National Association | 100 Laguna Road, Suite 100 Fullerton, CA 92835 | Full Service B&M | $79,431 |
| Banc of California, National Association | 11101 La Reina Avenue Downey, CA 90241 | Full Service B&M | $54,526 |
| Banc of California, National Association | 11611 San Vicente Boulevard Suite 500 Los Angeles, CA 90049 | Full Service B&M | $36,757 |
| Banc of California, National Association | 1201 West Imperial Highway La Habra, CA 90631 | Full Service B&M | $154,738 |
| Banc of California, National Association | 125 E. Anaheim Street, Suite A Wilmington, CA 90744 | Full Service B&M | $63,386 |
| Banc of California, National Association | 13031 Newport Avenue, Suite 115 Tustin, CA 92780 | Full Service B&M | $58,030 |
| Banc of California, National Association | 14362 Ventura Blvd Sherman Oaks, CA 91423 | Full Service B&M | $35,283 |
| Banc of California, National Association | 15954 Paramount Boulevard Paramount, CA 90723 | Full Service B&M | $61,381 |
| Banc of California, National Association | 1642 West San Marcos Boulevard San Marcos, CA 92078 | Full Service B&M | $66,040 |
| Banc of California, National Association | 16840 Bernardo Center Drive San Diego, CA 92128 | Full Service B&M | $102,956 |
| Banc of California, National Association | 16975 Avenida De Acacias, Suite 8 Rancho Santa Fe, CA 92067 | Full Service B&M | $35,891 |
| Banc of California, National Association | 18 West Canon Perdido Street Santa Barbara, CA 93101 | Full Service B&M | $47,199 |
| Banc of California, National Association | 1880 Century Park East, Suite 104 Los Angeles, CA 90067 | Full Service B&M | $1,454,619 |
| Banc of California, National Association | 2001 N Sepulveda Blvd, Ste D Manhattan Beach, CA 90266 | Full Service B&M | $54,866 |
| Banc of California, National Association | 2133 West Beverly Boulevard Montebello, CA 90640 | Full Service B&M | $37,648 |
| Banc of California, National Association | 21700 Oxnard Street, Suite 150 Woodland Hills, CA 91367 | Full Service B&M | $25,546 |
| Banc of California, National Association | 220 S State College Blvd Brea, CA 92821 | Full Service B&M | $66,126 |
| Banc of California, National Association | 24033 El Toro Road Suite 130 Laguna Hills, CA 92653 | Full Service B&M | $54,820 |
| Banc of California, National Association | 2528 San Vicente Boulevard Santa Monica, CA 90402 | Full Service B&M | $854 |
| Banc of California, National Association | 2635 Wilshire Blvd Santa Monica, CA 90403 | Full Service B&M | $45,644 |
| Banc of California, National Association | 3 Macarthur Place Santa Ana, CA 92707 | Full Service B&M | $2,937,299 |
| Banc of California, National Association | 3160 Colima Road Hacienda Heights, CA 91745 | Full Service B&M | $118,193 |
| Banc of California, National Association | 401 E Whittier Blvd La Habra, CA 90631 | Full Service B&M | $86,224 |
| Banc of California, National Association | 500 Newport Center Drive, Ste 125 Newport Beach, CA 92660 | Full Service B&M | $60,045 |
| Banc of California, National Association | 530 Palisades Dr Pacific Palisades, CA 90272 | Full Service B&M | $38,947 |
| Banc of California, National Association | 600 South Lake Avenue, Suite 100 Pasadena, CA 91106 | Full Service B&M | $91,971 |
| Banc of California, National Association | 7355 Greenleaf Avenue Whittier, CA 90602 | Full Service B&M | $165,860 |
| Banc of California, National Association | 7877 Ivanhoe Avenue La Jolla, CA 92037 | Full Service B&M | $91,181 |
| Banc of California, National Association | 800 Wilshire Boulevard, Suite 100 Los Angeles, CA 90017 | Full Service B&M | $23,104 |
| Banc of California, National Association | 870 North Rose Drive Placentia, CA 92870 | Full Service B&M | $69,393 |
For 2021, Banc Of California had 31 branches.
Yearly Performance Overview
Bank Income
| Item | Value (in 000's) |
|---|---|
| Total interest income | $291,446 |
| Net interest income | $267,064 |
| Total noninterest income | $18,013 |
| Gross Fiduciary activities income | $0 |
| Service charges on deposit accounts | $2,342 |
| Trading account gains and fees | $0 |
| Additional Noninterest Income | $15,671 |
| Pre-tax net operating income | $98,528 |
| Securities gains (or losses, -) | $0 |
| Income before extraordinary items | $70,867 |
| Discontinued Operations (Extraordinary gains, net) | $0 |
| Net income of bank and minority interests | $70,867 |
| Minority interest net income | $0 |
| Net income | $70,867 |
| Sale, conversion, retirement of capital stock, net | $4,511 |
| Net operating income | $70,867 |
Banc Of California's gross interest income from loans was $291,446,000.
Banc Of California's net interest income from loans was $267,064,000.
Banc Of California's fee based income from loans was $2,342,000.
Banc Of California's net income from loans was $70,867,000.
Bank Expenses
| Item | Value (in 000's) |
|---|---|
| Total interest expense | $24,382 |
| Provision for credit losses | $6,854 |
| Total noninterest expense | $179,695 |
| Salaries and employee benefits | $102,465 |
| Premises and equipment expense | $18,772 |
| Additional noninterest expense | $58,458 |
| Applicable income taxes | $27,661 |
| Net charge-offs | $6,529 |
| Cash dividends | $78,000 |
Banc Of California's interest expense for loans was $24,382,000.
Banc Of California's payroll and benefits expense were $102,465,000.
Banc Of California's property, plant and equipment expenses $18,772,000.
Loan Performance
| Type of Loan | % of Loans Noncurrent (30+ days, end of period snapshot) |
|---|---|
| All loans | 0.0% |
| Real Estate loans | 0.0% |
| Construction & Land Development loans | 0.0% |
| Nonfarm, nonresidential loans | 0.0% |
| Multifamily residential loans | 0.0% |
| 1-4 family residential loans | 0.0% |
| HELOC loans | 0.0% |
| All other family | 0.0% |
| Commercial & industrial loans | 4.0% |
| Personal loans | 0.0% |
| Credit card loans | 0.0% |
| Other individual loans | 0.0% |
| Auto loans | 0.0% |
| Other consumer loans | 0.0% |
| Unsecured commercial real estate loans | 0.0% |
Deposits
| Type | Value (in 000's) |
|---|---|
| Total deposits | $7,538,297 |
| Deposits held in domestic offices | $7,538,297 |
| Deposits by Individuals, partnerships, and corporations | $6,526,989 |
| Deposits by U.S. Government | $0 |
| Deposits by States and political subdivisions in the U.S. | $306,952 |
| Deposits by Commercial banks and other depository institutions in U.S. | $704,356 |
| Deposits by Banks in foreign countries | $0 |
| Deposits by Foreign governments and official institutions | $0 |
| Transaction accounts | $2,492,314 |
| Demand deposits | $2,492,314 |
| Nontransaction accounts | $5,045,983 |
| Money market deposit accounts (MMDAs) | $3,944,633 |
| Other savings deposits (excluding MMDAs) | $594,632 |
| Total time deposits | $506,719 |
| Total time and savings deposits | $5,045,983 |
| Noninterest-bearing deposits | $2,887,058 |
| Interest-bearing deposits | $4,651,239 |
| Retail deposits | $7,307,347 |
| IRAs and Keogh plan accounts | $66,422 |
| Brokered deposits | $10,000 |
| Deposits held in foreign offices | $0 |
Assets
| Asset | Value (in 000's) |
|---|---|
| Total Assets | $9,386,736 |
| Cash & Balances due from depository institutions | $228,122 |
| Interest-bearing balances | $177,121 |
| Total securities | $1,315,703 |
| Federal funds sold & reverse repurchase | $0 |
| Net loans and leases | $7,162,304 |
| Loan and leases loss allowance | $92,584 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $142,334 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $102,022 |
| All other assets | $436,251 |
Liabilities
| Liabilities | Value (in 000's) |
|---|---|
| Total liabilities and capital | $9,386,736 |
| Total Liabilities | $8,166,369 |
| Total deposits | $7,538,297 |
| Interest-bearing deposits | $4,651,239 |
| Deposits held in domestic offices | $7,538,297 |
| % insured (estimated) | $41 |
| Federal funds purchased and repurchase agreements | $25,000 |
| Trading liabilities | $0 |
| Other borrowed funds | $476,299 |
| Subordinated debt | $0 |
| All other liabilities | $126,773 |
Issued Loan Types
| Type | Value (in 000's) |
|---|---|
| Net loans and leases | $7,162,304 |
| Loan and leases loss allowance | $92,584 |
| Total loans and leases (domestic) | $7,254,888 |
| All real estate loans | $4,765,339 |
| Real estate loans in domestic offices | $4,765,339 |
| Construction and development loans | $181,841 |
| Residential 1-4 family construction | $122,560 |
| Other construction, all land development and other land | $59,281 |
| Loans secured by nonfarm nonresidential properties | $1,732,885 |
| Nonfarm nonresidential secured by owner-occupied properties | $675,579 |
| Commercial real estate & other non-farm, non-residential | $1,057,306 |
| Multifamily residential real estate | $1,362,693 |
| 1-4 family residential loans | $1,487,920 |
| Farmland loans | $0 |
| Loans held in foreign offices | $0 |
| Farm loans | $0 |
| Commercial and industrial loans | $808,679 |
| To non-U.S. addressees | $0 |
| Loans to individuals | $78,383 |
| Credit card loans | $0 |
| Related Plans | $2,577 |
| Consumer Auto Loans | $0 |
| Other loans to individuals | $75,806 |
| All other loans & leases | $1,602,487 |
| Loans to foreign governments and official institutions | $0 |
| Other loans | $1,602,487 |
| Loans to depository institutions and acceptances of other banks | $0 |
| Loans not secured by real estate | $0 |
| Loans secured by real estate to non-U.S. addressees | $0 |
| Restructured Loans & leases | $7,123 |
| Non 1-4 family restructured loans & leases | $187 |
| Total loans and leases (foreign) | $0 |
Banc of California had $7,162,304,000 of loans outstanding in 2021. $4,765,339,000 of loans were in real estate loans. $181,841,000 of loans were in development loans. $1,362,693,000 of loans were in multifamily mortgage loans. $1,487,920,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $0 of loans were in the auto loan category.
Small Business Loans
| Categorization | # of Loans in Category | $ amount of loans (in 000's) | Average $/loan |
|---|---|---|---|
| Nonfarm, nonresidential loans - <$1MM | 199 | $80,136 | $402,693 |
| Nonfarm, nonresidential loans - $100-250k | 20 | $2,430 | $121,500 |
| Nonfarm, nonresidential loans - $250k-1MM | 179 | $77,706 | $434,112 |
| Commercial & Industrial, US addressed loans - <$1MM | 1,155 | $157,682 | $136,521 |
| Commercial & Industrial, US addressed loans - <$100k | 495 | $10,845 | $21,909 |
| Commercial & Industrial, US addressed loans - $100-250k | 333 | $39,090 | $117,387 |
| Commercial & Industrial, US addressed loans - $250k-1MM | 327 | $107,747 | $329,502 |