Lender in California · HMDA 2025
Bank of America, N.A. mortgages in California
Bank of America, N.A.'s 2025 home-purchase and refinance lending in California, compared with all lenders in the state.
Bank of America, N.A. originated 6,144 owner-occupied single-family loans in California from 6,938 completed applications, making it the state's #8 lender by volume.
Its median conventional purchase loan costs were $7,500 versus $7,920 for all California lenders, at a median 30-year fixed rate of 6.25% (California: 6.625%).
Loans in CA
6,144
of 6,938 applications
Denial rate
11.9%
Purchase · CA 8.9%
Rate spread
−0.35 pts
Conv. · CA +0.09 pts
Loan amount
$1,085,000
Purchase · CA $575,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 4,121 | 3,612 | 11.9% | 6.250% | −0.35 pts | $7,500 | $1,085,000 |
| Refinance | 2,402 | 2,211 | 8.0% | 6.125% | −0.36 pts | $3,960 | $1,245,000 |
| Cash-out refinance | 415 | 321 | 22.7% | 6.500% | −0.02 pts | $4,170 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
California counties where Bank of America, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Santa Clara County | 2 | 1,686 | 10.2% |
| San Mateo County | 2 | 467 | 7.8% |
| Alameda County | 4 | 834 | 6.0% |
| Contra Costa County | 6 | 386 | 3.3% |
| Orange County | 7 | 435 | 2.0% |
| San Francisco County | 7 | 237 | 4.7% |
| Marin County | 8 | 74 | 3.3% |
| Los Angeles County | 11 | 848 | 1.6% |
| Ventura County | 15 | 86 | 1.3% |
| Santa Cruz County | 16 | 18 | 1.1% |
| Santa Barbara County | 18 | 37 | 1.4% |
| Monterey County | 18 | 29 | 1.3% |
| San Diego County | 19 | 302 | 1.1% |
| El Dorado County | 22 | 23 | 0.9% |
| Tuolumne County | 22 | 5 | 0.9% |
| San Luis Obispo County | 23 | 21 | 0.9% |
- Bank of America, N.A. nationwide
- California mortgage market
- Bank of America, N.A. in Texas
- Bank of America, N.A. in Florida
- Bank of America, N.A. in New York
- Bank of America, N.A. in North Carolina
- Bank of America, N.A. in Washington
- Bank of America, N.A. in Illinois
- Bank of America, N.A. in New Jersey
- Bank of America, N.A. in Georgia
- Bank of America, N.A. in Massachusetts
- Bank of America, N.A. in Pennsylvania
- Bank of America, N.A. in Virginia
- Bank of America, N.A. in Maryland
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology