Banc One Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
23rd0.62 ptsProcesswithdrawn + incomplete share, weight 15%
38th14.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 156 | 143 | 0.0% | 0.0% | 6.75% | $67M |
| 2024 | 182 | 150 | 0.0% | 0.0% | 6.75% | $79M |
| 2025 | 216 | 172 | 0.0% | 0.0% | 6.75% | $100M |
What Banc One Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 50 investment properties.
Who gets approved at Banc One Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 167 | 137 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 31 | 0.0% |
| 35–44 | 67 | 55 | 0.0% |
| 45–54 | 65 | 47 | 0.0% |
| 55–64 | 35 | 26 | 0.0% |
Where Banc One Mortgage lends
11 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 193 | 153 | 0.0% | 6.75% | #369 |
| Texas | 7 | 4 | 0.0% | 7.12% | #1,021 |
Frequently asked questions
Banc One Mortgage denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Banc One Mortgage originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.62 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 59% of its applications were for home purchases, 37% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.