Lenders › CBNA Year to Date › California
CBNA Year to Date 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.
CBNA Year to Date's 2024 HMDA record for California covers 326 applications, 216 of them originated, worth $461m.
Its denial rate in the state was 14.2%, below the California rate of 24.8% across all lenders and compared with the lender's national rate of 35.2%.
The median rate spread on its California originations was -0.2 percentage points (state median 0.4).
Applications in the state were down 41% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | CBNA Year to Date, all states | United States |
|---|---|---|---|---|
| Denial rate | 14.2% | 24.8% | 35.2% | 24.3% |
| Median rate spread, pp | -0.2 | 0.4 | 0.7 | 0.3 |
| Originations with spread of 1.5 pp or more | 0.0% | 19.9% | 27.4% | 15.6% |
| Average originated loan | $2.1m | $566k | $272k | $329k |
| Home purchase share | 51.9% | 51.2% | 19.0% | 57.0% |
| FHA-insured share | 0.0% | 11.4% | 1.2% | 13.4% |
| VA-guaranteed share | 0.5% | 4.8% | 0.3% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 52% (112)Home improvement 5% (10)Refinancing 28% (61)Cash-out refinancing 4% (9)Other purpose 11% (24)
By type
Conventional 100% (215)VA 0% (1)
Denial reasons as coded
Share of 36 denials in California by first denial reason coded (outlined bar: all lenders in the state).
Counties in California
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| San Francisco County | 60 | 51 | $130m | 3.7% |
| Los Angeles County | 54 | 28 | $50m | 24.3% |
| San Mateo County | 37 | 26 | $63m | 3.7% |
| San Diego County | 27 | 14 | $22m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did CBNA Year to Date originate in California in 2024?
216 loans totalling $461m, from 326 applications reported for properties in California.
What is CBNA Year to Date's denial rate in California?
14.2% of decided applications in California were denied, against 24.8% for all lenders in the state and 35.2% 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 CBNA Year to Date lend in most?
By originations: San Francisco County (51), Los Angeles County (28), San Mateo County (26), San Diego County (14).
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 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.