California Bank & Trust Mortgage Lending & HMDA Data, 2011
In 2011, California Bank & Trust of Los Angeles, CA reported 2,426 mortgage applications totaling $1.5 billion. The average application was for $624,854, and applicants reported an average income of $246,307. 49% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (687), San Diego-Carlsbad-San Marcos, CA (521) and Santa Ana-Anaheim-Irvine, CA (387) (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 | 2,426 |
| Total Mortgage Loan Application Amount | $1,515,898,000 |
| Average Mortgage Loan Application Amount | $624,854 |
| Highest Mortgage Loan Application Amount | $18,600,000 |
| Average Applicant Income | $246,307 |
| Highest Applicant Income | $9,999,000 |
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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for California Bank & Trust in 2011
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 | 1,803 | $1,142,647,000 | $633,000 | $18,600,000 | $253,000 | $9,999,000 |
| Home Purchase | 540 | $327,940,000 | $607,000 | $13,800,000 | $232,000 | $2,639,000 |
| Home Improvement | 83 | $45,311,000 | $545,000 | $3,500,000 | $194,000 | $1,190,000 |
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 | 1,226 | $712,288,000 | $580,000 | $11,250,000 | $254,000 | $6,646,000 |
| Asian | 451 | $200,557,000 | $444,000 | $2,500,000 | $270,000 | $2,612,000 |
| Not Provided | 439 | $271,728,000 | $618,000 | $8,760,000 | $300,000 | $9,999,000 |
| Hispanic | 142 | $45,335,000 | $319,000 | $2,065,000 | $128,000 | $1,474,000 |
| Not applicable | 123 | $271,645,000 | $2,208,000 | $18,600,000 | $78,000 | $1,744,000 |
| Black or African American | 32 | $9,089,000 | $284,000 | $980,000 | $94,000 | $543,000 |
| American Indian or Alaskan Native | 7 | $2,680,000 | $382,000 | $1,005,000 | $202,000 | $509,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,576,000 | $429,000 | $800,000 | $156,000 | $603,000 |
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) | 2,426 | $1,515,898,000 | $624,000 | $18,600,000 | $246,000 | $9,999,000 |
| 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 | 1,193 | $744,411,000 | $623,000 | $18,600,000 | $279,000 | $6,646,000 |
| Application Denied By Financial Institution | 642 | $357,420,000 | $556,000 | $8,760,000 | $170,000 | $3,628,000 |
| Application Approved But Not Accepted | 552 | $290,545,000 | $526,000 | $3,580,000 | $267,000 | $9,999,000 |
| Application Withdrawn By Applicant | 23 | $95,064,000 | $4,133,000 | $15,000,000 | $92,000 | $600,000 |
| File Closed For Incompleteness | 16 | $28,458,000 | $1,778,000 | $6,280,000 | $356,000 | $1,162,000 |
| 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 | 301 | $194,274,000 | $645,000 | $8,760,000 | $111,000 | $2,400,000 |
| Credit History | 131 | $54,390,000 | $415,000 | $1,920,000 | $155,000 | $2,400,000 |
| Collateral | 128 | $64,522,000 | $504,000 | $1,920,000 | $262,000 | $2,612,000 |
| Other | 46 | $23,859,000 | $518,000 | $1,980,000 | $316,000 | $3,628,000 |
| Credit Application Incomplete | 23 | $16,363,000 | $711,000 | $2,000,000 | $247,000 | $1,066,000 |
| Unverifiable Information | 9 | $2,070,000 | $230,000 | $520,000 | $113,000 | $266,000 |
| Employment History | 1 | $398,000 | $398,000 | $398,000 | $85,000 | $85,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $561,000 | $561,000 | $561,000 | $598,000 | $598,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2011 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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