Hanmi Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
42nd6.0% deniedProcesswithdrawn + incomplete share, weight 15%
20th14.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 55 | 40 | 9.1% | 11.1% | 7.00% | $108M |
| 2024 | 60 | 47 | 6.7% | 7.6% | — | $69M |
| 2025 | 117 | 94 | 5.1% | 6.0% | — | $113M |
What Hanmi Bank 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, 0 manufactured homes, 66 investment properties.
Who gets approved at Hanmi Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 22 | 18 | 5.3% |
| Over $250k | 62 | 45 | 10.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 25 | 18 | 5.3% |
| 55–64 | 27 | 25 | 0.0% |
Where Hanmi Bank lends
8 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 78 | 61 | 6.4% | — | #473 |
| New Jersey | 12 | 10 | 0.0% | — | #512 |
| New York | 10 | 9 | 0.0% | — | #467 |
| Texas | 10 | 9 | 10.0% | — | #962 |
Frequently asked questions
Hanmi Bank denied 6.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of investment-property lenders.
In 2025, 47% of its applications were for home purchases, 45% for refinancing (including cash-out), and 8% 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.