California Bank & Trust Mortgage Lending & HMDA Data, 2013
In 2013, California Bank & Trust of Los Angeles, CA reported 1,899 mortgage applications totaling $1.0 billion, down 31% from 2012. The average application was for $551,191, and applicants reported an average income of $249,872. 51% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (484), San Diego-Carlsbad-San Marcos, CA (406) and Santa Ana-Anaheim-Irvine, CA (248) (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 | 1,899 |
| Total Mortgage Loan Application Amount | $1,046,713,000 |
| Average Mortgage Loan Application Amount | $551,191 |
| Highest Mortgage Loan Application Amount | $30,750,000 |
| Average Applicant Income | $249,872 |
| Highest Applicant Income | $8,933,000 |
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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 1,292 | $697,460,000 | $539,000 | $30,750,000 | $246,000 | $8,933,000 |
| Home Purchase | 491 | $281,073,000 | $572,000 | $30,000,000 | $252,000 | $4,430,000 |
| Home Improvement | 116 | $68,180,000 | $587,000 | $4,800,000 | $284,000 | $6,062,000 |
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 | 1,082 | $544,717,000 | $503,000 | $5,500,000 | $295,000 | $8,933,000 |
| Asian | 293 | $126,714,000 | $432,000 | $3,000,000 | $190,000 | $3,276,000 |
| Not Provided | 253 | $156,400,000 | $618,000 | $6,000,000 | $292,000 | $3,978,000 |
| Hispanic | 173 | $52,060,000 | $300,000 | $2,263,000 | $125,000 | $1,617,000 |
| Not applicable | 56 | $156,259,000 | $2,790,000 | $30,750,000 | $0 | $0 |
| Black or African American | 29 | $6,021,000 | $207,000 | $750,000 | $84,000 | $240,000 |
| American Indian or Alaskan Native | 8 | $1,754,000 | $219,000 | $865,000 | $113,000 | $155,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $2,788,000 | $557,000 | $915,000 | $143,000 | $198,000 |
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) | 1,899 | $1,046,713,000 | $551,000 | $30,750,000 | $250,000 | $8,933,000 |
| 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 | 974 | $534,406,000 | $548,000 | $30,750,000 | $250,000 | $6,062,000 |
| Application Denied By Financial Institution | 513 | $241,078,000 | $469,000 | $6,000,000 | $172,000 | $5,153,000 |
| Application Approved But Not Accepted | 293 | $165,719,000 | $565,000 | $5,175,000 | $326,000 | $8,933,000 |
| File Closed For Incompleteness | 95 | $62,548,000 | $658,000 | $3,700,000 | $358,000 | $2,957,000 |
| Application Withdrawn By Applicant | 24 | $42,962,000 | $1,790,000 | $16,000,000 | $551,000 | $3,276,000 |
| 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 | 224 | $127,271,000 | $568,000 | $4,500,000 | $109,000 | $1,000,000 |
| Credit History | 151 | $54,756,000 | $362,000 | $5,000,000 | $210,000 | $5,153,000 |
| Collateral | 66 | $26,135,000 | $395,000 | $2,690,000 | $245,000 | $1,001,000 |
| Other | 37 | $14,055,000 | $379,000 | $1,900,000 | $245,000 | $1,990,000 |
| Unverifiable Information | 17 | $6,338,000 | $372,000 | $855,000 | $219,000 | $1,596,000 |
| Employment History | 9 | $2,174,000 | $241,000 | $500,000 | $58,000 | $146,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,593,000 | $531,000 | $1,200,000 | $222,000 | $575,000 |
| Credit Application Incomplete | 2 | $6,775,000 | $3,387,000 | $6,000,000 | $853,000 | $920,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2013 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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