California Bank & Trust Mortgage Lending & HMDA Data, 2012
In 2012, California Bank & Trust of Los Angeles, CA reported 2,760 mortgage applications totaling $1.4 billion, up 14% from 2011. The average application was for $489,495, and applicants reported an average income of $253,118. 51% of its applications resulted in an originated loan and 26% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (790), San Diego-Carlsbad-San Marcos, CA (579) and Santa Ana-Anaheim-Irvine, CA (398) (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 | 2,760 |
| Total Mortgage Loan Application Amount | $1,351,008,000 |
| Average Mortgage Loan Application Amount | $489,495 |
| Highest Mortgage Loan Application Amount | $7,785,000 |
| Average Applicant Income | $253,118 |
| Highest Applicant Income | $8,508,000 |
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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012
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 | 2,074 | $1,016,230,000 | $489,000 | $7,785,000 | $260,000 | $8,508,000 |
| Home Purchase | 592 | $290,864,000 | $491,000 | $7,000,000 | $233,000 | $8,316,000 |
| Home Improvement | 94 | $43,914,000 | $467,000 | $2,910,000 | $228,000 | $2,003,000 |
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 | 1,328 | $694,185,000 | $522,000 | $7,000,000 | $314,000 | $8,508,000 |
| Not Provided | 575 | $289,563,000 | $503,000 | $5,000,000 | $286,000 | $6,324,000 |
| Asian | 468 | $177,537,000 | $379,000 | $2,630,000 | $161,000 | $3,592,000 |
| Hispanic | 223 | $62,695,000 | $281,000 | $3,300,000 | $135,000 | $2,500,000 |
| Not applicable | 111 | $111,993,000 | $1,008,000 | $7,785,000 | $0 | $0 |
| Black or African American | 33 | $7,808,000 | $236,000 | $940,000 | $104,000 | $678,000 |
| Native Hawaiian or Other Pacific Islander | 16 | $6,442,000 | $402,000 | $2,100,000 | $516,000 | $6,736,000 |
| American Indian or Alaskan Native | 6 | $785,000 | $130,000 | $417,000 | $104,000 | $175,000 |
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) | 2,760 | $1,351,008,000 | $489,000 | $7,785,000 | $253,000 | $8,508,000 |
| 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 | 1,407 | $594,117,000 | $422,000 | $7,785,000 | $233,000 | $8,316,000 |
| Application Denied By Financial Institution | 720 | $374,814,000 | $520,000 | $5,255,000 | $196,000 | $6,736,000 |
| Application Approved But Not Accepted | 527 | $309,291,000 | $586,000 | $4,550,000 | $382,000 | $8,508,000 |
| File Closed For Incompleteness | 93 | $51,291,000 | $551,000 | $3,400,000 | $272,000 | $1,803,000 |
| Application Withdrawn By Applicant | 13 | $21,495,000 | $1,653,000 | $7,000,000 | $274,000 | $2,003,000 |
| 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 | 353 | $205,749,000 | $582,000 | $5,255,000 | $106,000 | $2,500,000 |
| Credit History | 154 | $60,013,000 | $389,000 | $3,000,000 | $235,000 | $6,324,000 |
| Collateral | 137 | $61,418,000 | $448,000 | $3,400,000 | $298,000 | $4,143,000 |
| Other | 45 | $28,583,000 | $635,000 | $5,000,000 | $306,000 | $1,929,000 |
| Unverifiable Information | 21 | $14,548,000 | $692,000 | $5,000,000 | $525,000 | $6,736,000 |
| Credit Application Incomplete | 4 | $1,572,000 | $393,000 | $1,100,000 | $245,000 | $600,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,483,000 | $494,000 | $703,000 | $143,000 | $220,000 |
| Employment History | 2 | $1,168,000 | $584,000 | $608,000 | $192,000 | $240,000 |
| Mortgage Insurance Denied | 1 | $280,000 | $280,000 | $280,000 | $116,000 | $116,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2012 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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