California Bank & Trust Mortgage Lending & HMDA Data, 2014
In 2014, California Bank & Trust of Los Angeles, CA reported 903 mortgage applications totaling $601.4 million, down 52% from 2013. The average application was for $665,995, and applicants reported an average income of $235,767. 47% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (233), San Diego-Carlsbad, CA (230) and Anaheim-Santa Ana-Irvine, CA (128) (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 | 903 |
| Total Mortgage Loan Application Amount | $601,394,000 |
| Average Mortgage Loan Application Amount | $665,995 |
| Highest Mortgage Loan Application Amount | $24,780,000 |
| Average Applicant Income | $235,767 |
| 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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 577 | $362,746,000 | $628,000 | $15,500,000 | $244,000 | $9,999,000 |
| Home Purchase | 266 | $217,785,000 | $818,000 | $24,780,000 | $235,000 | $4,098,000 |
| Home Improvement | 60 | $20,863,000 | $347,000 | $3,700,000 | $160,000 | $1,307,000 |
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 | 493 | $257,233,000 | $521,000 | $11,050,000 | $273,000 | $9,999,000 |
| Asian | 141 | $71,221,000 | $505,000 | $3,700,000 | $205,000 | $4,098,000 |
| Not Provided | 127 | $87,741,000 | $690,000 | $4,500,000 | $297,000 | $3,479,000 |
| Hispanic | 70 | $23,780,000 | $339,000 | $2,036,000 | $141,000 | $981,000 |
| Not applicable | 51 | $156,885,000 | $3,076,000 | $24,780,000 | $0 | $0 |
| Black or African American | 15 | $2,799,000 | $186,000 | $425,000 | $65,000 | $154,000 |
| American Indian or Alaskan Native | 5 | $1,309,000 | $261,000 | $380,000 | $164,000 | $259,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $426,000 | $426,000 | $426,000 | $159,000 | $159,000 |
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) | 903 | $601,394,000 | $665,000 | $24,780,000 | $236,000 | $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 | 420 | $324,672,000 | $773,000 | $18,500,000 | $273,000 | $9,999,000 |
| Application Denied By Financial Institution | 253 | $110,345,000 | $436,000 | $4,650,000 | $132,000 | $1,102,000 |
| Application Approved But Not Accepted | 180 | $98,146,000 | $545,000 | $3,700,000 | $275,000 | $4,098,000 |
| Application Withdrawn By Applicant | 35 | $53,469,000 | $1,527,000 | $24,780,000 | $380,000 | $6,562,000 |
| File Closed For Incompleteness | 15 | $14,762,000 | $984,000 | $3,700,000 | $158,000 | $396,000 |
| 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 | 126 | $68,414,000 | $542,000 | $4,650,000 | $117,000 | $716,000 |
| Credit History | 89 | $28,166,000 | $316,000 | $2,800,000 | $151,000 | $1,102,000 |
| Collateral | 20 | $6,529,000 | $326,000 | $1,070,000 | $138,000 | $380,000 |
| Unverifiable Information | 7 | $3,334,000 | $476,000 | $1,000,000 | $176,000 | $297,000 |
| Other | 4 | $974,000 | $243,000 | $355,000 | $132,000 | $163,000 |
| Employment History | 3 | $1,265,000 | $421,000 | $855,000 | $105,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $1,246,000 | $415,000 | $870,000 | $114,000 | $174,000 |
| 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 2014 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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