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| $6,295,214,383,000 in Mortgage Loans Applied for in 2006 from 34,105,441 Applications |
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COMMUNITY WEST BANK, N.A.
Mortgage Loans and Application Details
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| Mortgage Company Name |
COMMUNITY WEST BANK, N.A. |
| Address | 445 PINE AVE.
GOLETA, CA 93117 |
| Agency | Office of the Comptroller of the Currency (OCC) |
| Year | 2006 |
| All Data Years | 2003 2004 2005 2006 |
| Total Number of Mortgage Loan Applications Processed | 1,169 |
| Total Dollar Amount of Mortgage Loan Applications Processed | $158,669,000 |
| Average Mortgage Loan Amount Applied For | $144,027 |
| Highest Mortgage Loan Amount Applied For | $1,427,000 |
| Average Applicant Income | $77,166 |
| Highest Applicant Income | $1,200,000 |
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| Home Improvement |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Home Purchase |
403 | $58,465,000 |
$145,000 | $1,427,000 |
$100,000 | $1,200,000 |
| Refinancing |
766 | $100,204,000 |
$130,000 | $1,400,000 |
$57,000 | $521,000 |
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| American Indian or Alaskan Native |
5 | $869,000 |
$173,000 | $324,000 |
$167,000 | $428,000 |
| Asian |
9 | $1,196,000 |
$132,000 | $240,000 |
$97,000 | $257,000 |
| Black or African American |
15 | $1,648,000 |
$109,000 | $212,000 |
$67,000 | $203,000 |
| Hispanic |
192 | $29,609,000 |
$154,000 | $750,000 |
$65,000 | $270,000 |
| Native Hawaiin or Other Pacific Islander |
5 | $751,000 |
$150,000 | $340,000 |
$73,000 | $109,000 |
| Not applicable |
2 | $456,000 |
$228,000 | $250,000 |
$531,000 | $726,000 |
| Not Provided |
273 | $22,234,000 |
$81,000 | $524,000 |
$25,000 | $242,000 |
| White |
668 | $101,906,000 |
$152,000 | $1,427,000 |
$91,000 | $1,200,000 |
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| Conventional (any loan other than FHA, VA, FSA, or RHS loans) |
1,169 | $158,669,000 |
$135,000 | $1,427,000 |
$72,000 | $1,200,000 |
| FHA-insured (Federal Housing Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) |
0 | $0 |
$0 | $0 |
$0 | $0 |
| VA-guaranteed (Veterans Administration) |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Application Approved But Not Accepted |
92 | $13,538,000 |
$147,000 | $815,000 |
$97,000 | $967,000 |
| Application Denied By Financial Institution |
364 | $36,861,000 |
$101,000 | $1,427,000 |
$31,000 | $577,000 |
| Application Withdrawn By Applicant |
77 | $10,718,000 |
$139,000 | $748,000 |
$84,000 | $374,000 |
| File Closed For Incompleteness |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Loan Originated |
636 | $97,552,000 |
$153,000 | $1,400,000 |
$90,000 | $1,200,000 |
| Loan Purchased By The Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Approved but not Accepted |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Preapproval Denied by Financial Institution |
0 | $0 |
$0 | $0 |
$0 | $0 |
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| Collateral |
37 | $3,852,000 |
$104,000 | $550,000 |
$49,000 | $313,000 |
| Credit Application Incomplete |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Credit History |
79 | $5,917,000 |
$74,000 | $447,000 |
$24,000 | $151,000 |
| Debt-To-Income Ratio |
55 | $5,978,000 |
$108,000 | $456,000 |
$48,000 | $180,000 |
| Employment History |
4 | $645,000 |
$161,000 | $356,000 |
$46,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) |
12 | $2,742,000 |
$228,000 | $1,427,000 |
$103,000 | $577,000 |
| Mortgage Insurance Denied |
0 | $0 |
$0 | $0 |
$0 | $0 |
| Other |
174 | $17,152,000 |
$98,000 | $880,000 |
$19,000 | $264,000 |
| Unverifiable Information |
3 | $575,000 |
$191,000 | $304,000 |
$84,000 | $126,000 |
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Mortgage Loan App Totals for COMMUNITY WEST BANK, N.A. by:
Metropolitan Area And
County
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