Lenders › Banner Bank › California
Banner Bank 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.
Banner Bank's 2024 HMDA record for California covers 1,438 applications, 621 of them originated, worth $384m.
Its denial rate in the state was 49.3%, above the California rate of 24.8% across all lenders and compared with the lender's national rate of 38.0%.
The median rate spread on its California originations was 1.3 percentage points (state median 0.4).
Applications in the state were up 9% on 2023.
Compared with the state and the lender's national record
| Measure | In California | California, all lenders | Banner Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 49.3% | 24.8% | 38.0% | 24.3% |
| Median rate spread, pp | 1.3 | 0.4 | 1.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 43.6% | 19.9% | 33.1% | 15.6% |
| Average originated loan | $618k | $566k | $358k | $329k |
| Home purchase share | 21.9% | 51.2% | 41.8% | 57.0% |
| FHA-insured share | 0.8% | 11.4% | 4.1% | 13.4% |
| VA-guaranteed share | 0.0% | 4.8% | 1.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateCalifornia, all lenders
Loan purpose and loan type in California
By purpose
Home purchase 22% (136)Home improvement 60% (374)Refinancing 6% (40)Cash-out refinancing 3% (19)Other purpose 8% (52)
By type
Conventional 99% (616)FHA 1% (5)
Denial reasons as coded
Share of 655 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 Diego County | 274 | 134 | $130m | 44.7% |
| Los Angeles County | 259 | 101 | $51m | 54.9% |
| Riverside County | 194 | 86 | $39m | 52.7% |
| San Bernardino County | 166 | 62 | $14m | 53.1% |
| Sacramento County | 123 | 57 | $14m | 46.9% |
| Siskiyou County | 67 | 31 | $3.9m | 39.0% |
| Orange County | 62 | 26 | $38m | 52.5% |
| Placer County | 33 | 22 | $8.8m | 26.7% |
| Butte County | 28 | 11 | $6.6m | — |
| Tehama County | 28 | 11 | $2.8m | 57.7% |
| Nevada County | 27 | 10 | $1.7m | — |
| Shasta County | 29 | 9 | $2.0m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Banner Bank originate in California in 2024?
621 loans totalling $384m, from 1,438 applications reported for properties in California.
What is Banner Bank's denial rate in California?
49.3% of decided applications in California were denied, against 24.8% for all lenders in the state and 38.0% 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 Banner Bank lend in most?
By originations: San Diego County (134), Los Angeles County (101), Riverside County (86), San Bernardino County (62), Sacramento County (57).
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.