Correspondent Lending

Banc Home Loans is a division of Banc of California, N.A., a national bank with FNMA, FHMLC and GNMA seller/servicer approvals. Our Correspondent Division purchases comprehensive product lines of Government, Conventional and Non-Conforming loans on a Flow and Mini-Bulk basis. Locks are offered on a best effort basis.

Banc Home Loans is looking to establish long-term, mutually-beneficial relationships with Credit Unions, Banks and Lenders that share the same principles of homeownership, prudent underwriting and fraud prevention.

  • Aggressive FHA, VA, USDA & Conventional (incl HARP) pricing
  • De minimus overlays to Agency guidelines
  • Delegated underwriting
  • Diverse non-conforming product offerings
  • Best in class service and response times
  • Common sense reviews
  • Best Efforts and Mandatory locks
  • Flow and Mini-bulk deliveries
  • FHA 203(k) and FNMA Homestyle powered by RenovationReady®, a division of Banc of California

Current Turn Times

Non-Delegated Submissions

File Completeness Review 48 Hours
Underwriter Review

72 Hours (Purchases) /

10 days (Refinances)

Conditions 48 Hours
For Jumbos Only (2nd Review) Additional 1 business days

Delegated Submissions

File Completeness Review 48 Hours
Conditions 24 Hours