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Banc One Mortgage Corporation

Independent Mortgage CompanyOrange, CAHQDirectReviews near you on Google

Banc One Mortgage Corporation has 141 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pull-through
Strong
4/5
closing strength
Product
Sound
3/5
FHA · Conventional
Place
Sound
3/5
Multi-Region · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Banc One Mortgage Corporation performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
No peer data
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
88 loans
Acceptable
Bottom 40% of lenders
2/5
FHA
50 loans
Sound
Top 60% of lenders
3/5
By Loan Purpose· Transaction purpose mix
Purchase
125 loans
Acceptable
Bottom 40% of lenders
2/5
Refinance
16 loans
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 3 markets
Sound
Top 60% of lenders
3/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Sound
Product
Acceptable
Pricing
Pull Through
Sound
Volume88
Mix62.4%
Spread
Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Pull Through
Exceptional
Volume50
Mix35.5%
Spread
Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Acceptable
Pricing
Pull Through
Strong
Volume125
Mix88.7%
Spread
Fees
Refinance
Overall
Acceptable
Product
Acceptable
Pricing
Pull Through
Sound
Volume16
Mix11.3%
Spread
Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
141
Applications
167
Volume
$75 million
Pricing & Closing
Pullthrough Rate
84.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$533,156
Avg Borrower Income
$18,482
Avg Property Value
$676,418

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
7
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

7Full-year 2024 · HMDA
7 states with loan originations
Loans originated
< 1010+None
Northeast1
NJ
South3
FLMDTX
West3
AZCAWA

Top Metro Areas by Place Specialization Score

Volume 68Mix 48.23% of portfolio
67/100
Strong
Volume 18Mix 12.77% of portfolio
54/100
Sound
3© Eric Polk · CC BY-SA 4.0
Los Angeles, CAMetro
Volume 22Mix 15.60% of portfolio
53/100
Sound

Top States by Place Specialization Score

California
California
1
CaliforniaState
Volume 120Mix 85.11% of portfolio
66/100
Strong
Texas
Texas
2
TexasState
Volume 13Mix 9.22% of portfolio
40/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.