Banc Home Loans Ratings & Reviews

NMLS ID: 530611

Banc Home Loans

4 of 5 567 Reviews


Who is Banc Home Loans?

For decades, millions of Americans have dreamt of owning a home only to awaken to closed doors, obstacles and excuses. And it’s primarily due to a poor experience starting with the home lending process. At Banc Home Loans, a division of Banc of California,...

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82% of our customers would recommend this lender. (72 of 88)


Customer Reviews


  • (0) (0)

    Very pleased

    Yes, I recommend this lender

    Refinanced our home mortgage and equity line. The interest rate was low and our loan officer was very personable and knowledgeable. We went through VA and although it took a bit longer to close (almost 7 weeks) it was pretty painless. Have already recommended them to a friend.

    By:   (Ohio)Reviewed On:

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  • (1) (2)

    Excellent

    Yes, I recommend this lender

    I cannot begin to tell you what a wonderful experience I had with BANC Home Loans. From start to ending they were there every step of the way. Rita was so wonderful to work with and was very responsive every time I had a question. I do not believe there is a better lender out there that could match the customer service or responsiveness of BANC Home Loans

    By:   (Texas)Reviewed On:

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  • (4) (1)

    Watch out for double fees

    Overall the process was fairly simple and quick. The rate was nothing spectacular just the going rate. They were quick to get me to pay an appraisal fee with my credit card. The person handling my loan told me that the amount would be credited at the time the loan funds. When the loan funded I checked my documents and found no credit. In fact I found a charge for the same amount for the appraisal. So I had paid the appraisal fee twice. I brought that to the attention of the loan coordinator. He reviewed my documentation, found the same thing, and initially said he would credit my credit card immediately. That never happened. I contacted him again and he then told me that they were investigating. That was a month ago. I have since filed a complaint with the Consumer Financial Protection Bureau.

    By:   (Banning, CA)Reviewed On:

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  • (3) (0)

    BAC Refinance

    Yes, I recommend this lender

    It was a pleasure to work with them. I received the rate they quoted and everything was handled in a courteous and professional manner,

    By:   (Dayton,OH)Reviewed On:

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  • (1) (3)

    Outstanding Experience

    Yes, I recommend this lender

    This was my first home mortgage. Paul Librojo was my loan officer. Although he was very busy every day he made our Va loan go as smooth as possible. We closed within 40 days of providing all the required documentation necessary for the loan. We did a 15 yr refinance and lowered our interest rate to 3.375 percent from a loan with 21 yrs remaining at 6.25 percent. This loan has saved us thousands of dollars in interest because we took no cash out on our refinance. Paul was always eager to answer all our questions as well as return our calls. As stressful as this big of a loan could be, Paul's upbeat personality and professionalism kept the loan going smooth along with his colleague Kelvin Tran, from start to finish. Will buy another house and use Banc Home Loans!

    By:   (Brighton, New York)Reviewed On:

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  • (5) (2)

    My Experience

    Yes, I recommend this lender

    It was an excellent experience, very responsive and efficient!

    By:   (Rochester, NY)Reviewed On:

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  • (5) (3)

    Great customer service online

    Yes, I recommend this lender

    Just finished refinance , my loan officer Mr . Paul Librojo provided me with excellent service and gave me all the information when needed.he guided me through whole process till closing. I would recommend to friends and family. Thanks Paul and Pauls team at banc home loans.

    By:   (Arizona)Reviewed On:

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  • (7) (3)

    Too many phone calls !

    After starting the process on lending tree, I was OVERWHELMED with 6-8 phone calls a day for the last 4-5 days from this lender. It was ridiculous ! Sometimes the calls were less than an hour apart. Like a psycho girlfriend that won't leave you alone. I have asked to be removed from their calling list just based on the amount of calls I received. Maybe that's not a fair assessment, but my phone has rung off the hook since signing up . I will take my business elsewhere as it seems they are high pressure.

    By:   (Raleigh, NC)Reviewed On:

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  • (8) (5)

    Overpromise - High Pressure

    RUN AWAY!!! My experience has been the rep Overpromises...Promissed that he had access to expensive experts and systems that would improve my credit score and he would handle it. Demanded my 495 deposit and told me that would lock my rate. Constant phone calls that where your out, rehashing the same information, he promised to get it together and work on it then he never did. Never gave a straight answer... We were always a couple or few days away from Close... Then came back to tell me I had to go work my credit report issues myself ... I wasted two months with them. Now that I have requested my refundable deposit back - I was told I may not get it. I have opened a complaint with my credit card company.

    By:   (Helotes TX)Reviewed On:

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  • (7) (4)

    Use Anyone But Banc Loans

    Horrible and unresponsive customer service. However, they will constantly bombard you with spam, yet never answer/return your calls or emails. Look elsewhere for a mortgage.

    By:   (Atlanta)Reviewed On:

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For decades, millions of Americans have dreamt of owning a home only to awaken to closed doors, obstacles and excuses. And it’s primarily due to a poor experience starting with the home lending process. At Banc Home Loans, a division of Banc of California, N.A., our mission is to simplify and streamline the lending process, and to open more doors to homeownership with flexible lending products and exceptional service.
We help our customers discover the solutions that best fit their unique situation. Starting with the fact that the word “no” isn’t in our vocabulary. If one solution isn’t working for our customers, we simply find another. And unlike big, impersonal banks and online-only lenders, we’re local and work with the speed and convenience that it takes to make a deal close. Call or visit a Banc Home Loans location today to enjoy a whole new lending experience.
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