Lenders › Bank of America NA › California
Bank of America NA in California
HMDA record for properties in California, calendar year 2024. National record · California overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In California, Bank of America NA reported 39,285 applications and 16,248 originations for 2024, $9.3bn in all.
Its denial rate in the state was 43.8%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 48.1%.
The median rate spread on its California originations was 0.9 percentage points (state median 0.4).
Applications in the state were down 11% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Bank of America NA, all states | United States |
|---|---|---|---|---|
| Denial rate | 43.8% | 24.8% | 48.1% | 24.3% |
| Median rate spread, pp | 0.9 | 0.4 | 1.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 37.1% | 19.9% | 41.1% | 15.6% |
| Average originated loan | $570k | $566k | $360k | $329k |
| Home purchase share | 29.2% | 51.2% | 31.8% | 57.0% |
| FHA-insured share | 0.3% | 11.4% | 0.5% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 0.1% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 29% (4,737)Home improvement 31% (5,067)Refinancing 21% (3,366)Cash-out refinancing 2% (278)Other purpose 17% (2,800)
By type
Conventional 100% (16,204)FHA 0% (42)VA 0% (2)
Denial reasons as coded
Share of 13,347 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Los Angeles County | 9,272 | 3,486 | $1.9bn | 47.4% |
| Santa Clara County | 2,927 | 1,777 | $1.9bn | 22.1% |
| Orange County | 3,648 | 1,643 | $883m | 37.1% |
| San Diego County | 2,775 | 1,171 | $621m | 41.7% |
| Alameda County | 2,166 | 1,161 | $921m | 28.6% |
| Contra Costa County | 1,843 | 895 | $513m | 34.5% |
| Riverside County | 2,587 | 771 | $185m | 59.2% |
| San Bernardino County | 2,203 | 683 | $136m | 58.3% |
| San Mateo County | 1,113 | 640 | $611m | 26.3% |
| Sacramento County | 1,355 | 498 | $113m | 50.5% |
| San Francisco County | 836 | 423 | $394m | 32.0% |
| Ventura County | 902 | 414 | $131m | 37.9% |
| San Joaquin County | 831 | 285 | $86m | 54.6% |
| Placer County | 543 | 227 | $86m | 40.1% |
| Solano County | 529 | 208 | $42m | 48.2% |
| Marin County | 370 | 192 | $150m | 33.4% |
| Fresno County | 645 | 185 | $35m | 61.3% |
| Stanislaus County | 449 | 149 | $23m | 58.1% |
| Monterey County | 384 | 149 | $69m | 49.8% |
| Kern County | 581 | 148 | $20m | 66.5% |
| Sonoma County | 354 | 134 | $53m | 44.4% |
| Santa Barbara County | 312 | 132 | $106m | 39.5% |
| San Luis Obispo County | 204 | 94 | $37m | 33.8% |
| El Dorado County | 255 | 84 | $33m | 53.0% |
| Tulare County | 324 | 79 | $11m | 68.1% |
| Santa Cruz County | 193 | 76 | $47m | 46.2% |
| Napa County | 160 | 73 | $49m | 38.3% |
| Yolo County | 135 | 54 | $9.9m | 46.3% |
| Nevada County | 142 | 53 | $17m | 42.6% |
| Merced County | 166 | 48 | $6.8m | 62.8% |
| Shasta County | 138 | 45 | $6.3m | 58.6% |
| Butte County | 151 | 42 | $7.1m | 61.3% |
| San Benito County | 58 | 28 | $6.3m | 41.2% |
| Madera County | 107 | 23 | $3.9m | 73.3% |
| Tuolumne County | 62 | 23 | $4.4m | 50.0% |
| Imperial County | 95 | 19 | $2.0m | 74.4% |
| Kings County | 63 | 18 | $3.3m | 66.7% |
| Calaveras County | 53 | 17 | $2.8m | 45.7% |
| Amador County | 41 | 15 | $2.0m | 55.9% |
| Tehama County | 39 | 14 | $1.6m | 56.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Bank of America NA originate in California in 2024?
16,248 loans totalling $9.3bn, from 39,285 applications reported for properties in California.
What is Bank of America NA's denial rate in California?
43.8% of decided applications in California were denied, against 24.8% for all lenders in the state and 48.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which California counties does Bank of America NA lend in most?
By originations: Los Angeles County (3,486), Santa Clara County (1,777), Orange County (1,643), San Diego County (1,171), Alameda County (1,161).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in California. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.