California Bank & Trust Mortgage Lending & HMDA Data, 2015
In 2015, California Bank & Trust of Los Angeles, CA reported 1,001 mortgage applications totaling $826.0 million, up 11% from 2014. The average application was for $825,204, and applicants reported an average income of $237,711. 47% of its applications resulted in an originated loan and 24% were denied. Its largest markets were San Diego-Carlsbad, CA (261), Los Angeles-Long Beach-Glendale, CA (250) and Anaheim-Santa Ana-Irvine, CA (150) (applications in parentheses).
| Mortgage Company & Address | California Bank & Trust 1940 Century Park East, Suite 120 Los Angeles, CA 90067 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 1,001 |
| Total Mortgage Loan Application Amount | $826,030,000 |
| Average Mortgage Loan Application Amount | $825,204 |
| Highest Mortgage Loan Application Amount | $43,300,000 |
| Average Applicant Income | $237,711 |
| Highest Applicant Income | $5,181,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Diego-Carlsbad, CA | 261 | $ 131,873,000 | $ 505,260 | $ 192,000 |
| Los Angeles-Long Beach-Glendale, CA | 250 | $ 255,326,000 | $ 1,021,304 | $ 256,000 |
| Anaheim-Santa Ana-Irvine, CA | 150 | $ 110,987,000 | $ 739,913 | $ 328,000 |
| Riverside-San Bernardino-Ontario, CA | 96 | $ 75,246,000 | $ 783,812 | $ 189,000 |
| Oakland-Hayward-Berkeley, CA | 63 | $ 67,463,000 | $ 1,070,841 | $ 176,000 |
| Fresno, CA | 41 | $ 9,972,000 | $ 243,219 | $ 242,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 28 | $ 10,256,000 | $ 366,285 | $ 261,000 |
| San Francisco-Redwood City-South San Francisco, CA | 28 | $ 19,989,000 | $ 713,892 | $ 247,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 22 | $ 16,526,000 | $ 751,181 | $ 191,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 20 | $ 8,229,000 | $ 411,450 | $ 252,000 |
| San Rafael, CA | 11 | $ 17,295,000 | $ 1,572,272 | $ 403,000 |
| Bakersfield, CA | 7 | $ 810,000 | $ 115,714 | $ 73,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 3 | $ 68,805,000 | $ 22,935,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 2 | $ 16,435,000 | $ 8,217,500 | $ 0 |
| Napa, CA | 2 | $ 3,480,000 | $ 1,740,000 | $ 423,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 6,805,000 | $ 3,402,500 | $ 0 |
| Salinas, CA | 2 | $ 1,800,000 | $ 900,000 | $ 1,134,000 |
| Santa Rosa, CA | 2 | $ 1,094,000 | $ 547,000 | $ 168,000 |
| Madera, CA | 1 | $ 101,000 | $ 101,000 | $ 78,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 1 | $ 255,000 | $ 255,000 | $ 308,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 417,000 | $ 417,000 | $ 124,000 |
| Santa Maria-Santa Barbara, CA | 1 | $ 580,000 | $ 580,000 | $ 240,000 |
| Vallejo-Fairfield, CA | 1 | $ 105,000 | $ 105,000 | $ 62,000 |
| Visalia-Porterville, CA | 1 | $ 148,000 | $ 148,000 | $ 148,000 |
Mortgage Loan Application Detail Totals for California Bank & Trust in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 661 | $438,973,000 | $664,000 | $14,198,000 | $249,000 | $3,524,000 |
| Home Purchase | 300 | $379,332,000 | $1,264,000 | $43,300,000 | $232,000 | $5,181,000 |
| Home Improvement | 40 | $7,725,000 | $193,000 | $2,940,000 | $94,000 | $921,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 503 | $324,395,000 | $644,000 | $12,500,000 | $277,000 | $5,181,000 |
| Not Provided | 160 | $90,099,000 | $563,000 | $4,400,000 | $292,000 | $2,400,000 |
| Asian | 155 | $86,233,000 | $556,000 | $3,700,000 | $221,000 | $2,016,000 |
| Hispanic | 109 | $37,604,000 | $344,000 | $1,860,000 | $132,000 | $2,294,000 |
| Not applicable | 55 | $280,317,000 | $5,096,000 | $43,300,000 | $3,000 | $167,000 |
| Black or African American | 13 | $4,316,000 | $332,000 | $748,000 | $130,000 | $538,000 |
| American Indian or Alaskan Native | 4 | $2,439,000 | $609,000 | $750,000 | $200,000 | $504,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $627,000 | $313,000 | $390,000 | $215,000 | $371,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,001 | $826,030,000 | $825,000 | $43,300,000 | $238,000 | $5,181,000 |
| 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 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 469 | $458,504,000 | $977,000 | $43,300,000 | $245,000 | $5,181,000 |
| Application Approved But Not Accepted | 270 | $219,747,000 | $813,000 | $30,730,000 | $295,000 | $3,355,000 |
| Application Denied By Financial Institution | 238 | $133,845,000 | $562,000 | $12,500,000 | $147,000 | $1,402,000 |
| Application Withdrawn By Applicant | 23 | $13,197,000 | $573,000 | $3,500,000 | $347,000 | $1,942,000 |
| File Closed For Incompleteness | 1 | $737,000 | $737,000 | $737,000 | $345,000 | $345,000 |
| 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 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 135 | $92,002,000 | $681,000 | $12,500,000 | $115,000 | $1,402,000 |
| Credit History | 56 | $21,141,000 | $377,000 | $1,358,000 | $156,000 | $875,000 |
| Other | 21 | $10,581,000 | $503,000 | $1,850,000 | $272,000 | $1,365,000 |
| Collateral | 19 | $5,931,000 | $312,000 | $1,375,000 | $207,000 | $1,260,000 |
| Employment History | 3 | $1,768,000 | $589,000 | $1,260,000 | $251,000 | $351,000 |
| Unverifiable Information | 2 | $1,426,000 | $713,000 | $1,236,000 | $24,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $241,000 | $241,000 | $241,000 | $77,000 | $77,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess California Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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