California Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, California Bank & Trust of Huntington Beach, CA reported 2,238 mortgage applications totaling $1.2 billion, up 5% from 2009. The average application was for $523,998, and applicants reported an average income of $268,663. 50% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (624), San Diego-Carlsbad-San Marcos, CA (430) and Santa Ana-Anaheim-Irvine, CA (279) (applications in parentheses).
| Mortgage Company & Address | California Bank & Trust 16041 Goldenwest Street Huntington Beach, CA 92647 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,238 |
| Total Mortgage Loan Application Amount | $1,172,709,000 |
| Average Mortgage Loan Application Amount | $523,998 |
| Highest Mortgage Loan Application Amount | $9,600,000 |
| Average Applicant Income | $268,663 |
| 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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 624 | $ 372,604,000 | $ 597,121 | $ 310,000 |
| San Diego-Carlsbad-San Marcos, CA | 430 | $ 216,395,000 | $ 503,244 | $ 258,000 |
| Santa Ana-Anaheim-Irvine, CA | 279 | $ 197,317,000 | $ 707,229 | $ 345,000 |
| Riverside-San Bernardino-Ontario, CA | 248 | $ 70,942,000 | $ 286,056 | $ 169,000 |
| Oakland-Fremont-Hayward, CA | 149 | $ 65,487,000 | $ 439,510 | $ 175,000 |
| San Francisco-San Mateo-Redwood City, CA | 130 | $ 68,230,000 | $ 524,846 | $ 210,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 84 | $ 56,033,000 | $ 667,059 | $ 272,000 |
| Fresno, CA | 76 | $ 28,460,000 | $ 374,473 | $ 294,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 75 | $ 29,763,000 | $ 396,840 | $ 195,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 45 | $ 21,826,000 | $ 485,022 | $ 230,000 |
| Bakersfield-Delano, CA | 32 | $ 2,785,000 | $ 87,031 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 10 | $ 9,367,000 | $ 936,700 | $ 283,000 |
| Napa, CA | 5 | $ 7,186,000 | $ 1,437,200 | $ 751,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 4,202,000 | $ 840,400 | $ 462,000 |
| Santa Rosa-Petaluma, CA | 5 | $ 1,953,000 | $ 390,600 | $ 291,000 |
| Stockton, CA | 4 | $ 566,000 | $ 141,500 | $ 984,000 |
| Vallejo-Fairfield, CA | 4 | $ 716,000 | $ 179,000 | $ 143,000 |
| Madera-Chowchilla, CA | 3 | $ 1,177,000 | $ 392,333 | $ 208,000 |
| Modesto, CA | 3 | $ 1,568,000 | $ 522,666 | $ 333,000 |
| Merced, CA | 2 | $ 163,000 | $ 81,500 | $ 43,000 |
| Salinas, CA | 2 | $ 4,242,000 | $ 2,121,000 | $ 2,137,000 |
| Salt Lake City, UT | 2 | $ 1,748,000 | $ 874,000 | $ 4,647,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 1,070,000 | $ 535,000 | $ 184,000 |
| Las Vegas-Paradise, NV | 1 | $ 21,000 | $ 21,000 | $ 26,000 |
| Phoenix-Mesa-Glendale, AZ | 1 | $ 3,120,000 | $ 3,120,000 | $ 0 |
| Visalia-Porterville, CA | 1 | $ 324,000 | $ 324,000 | $ 216,000 |
| Yuma, AZ | 1 | $ 450,000 | $ 450,000 | $ 218,000 |
Mortgage Loan Application Detail Totals for California Bank & Trust in 2010
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 | 1,724 | $876,095,000 | $508,000 | $5,460,000 | $257,000 | $9,999,000 |
| Home Purchase | 431 | $252,157,000 | $585,000 | $9,600,000 | $301,000 | $8,508,000 |
| Home Improvement | 83 | $44,457,000 | $535,000 | $3,120,000 | $343,000 | $9,353,000 |
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 | 1,107 | $589,699,000 | $532,000 | $9,600,000 | $305,000 | $8,508,000 |
| Asian | 458 | $195,322,000 | $426,000 | $3,000,000 | $183,000 | $2,304,000 |
| Not Provided | 410 | $251,983,000 | $614,000 | $4,800,000 | $304,000 | $9,999,000 |
| Hispanic | 128 | $37,200,000 | $290,000 | $1,450,000 | $146,000 | $960,000 |
| Not applicable | 73 | $82,696,000 | $1,132,000 | $3,700,000 | $418,000 | $9,353,000 |
| Black or African American | 42 | $12,155,000 | $289,000 | $1,680,000 | $112,000 | $964,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $2,612,000 | $200,000 | $490,000 | $79,000 | $196,000 |
| American Indian or Alaskan Native | 7 | $1,042,000 | $148,000 | $278,000 | $102,000 | $283,000 |
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) | 2,238 | $1,172,709,000 | $523,000 | $9,600,000 | $269,000 | $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 | 1,119 | $578,315,000 | $516,000 | $4,850,000 | $319,000 | $9,999,000 |
| Application Approved But Not Accepted | 549 | $276,139,000 | $502,000 | $5,460,000 | $267,000 | $5,004,000 |
| Application Denied By Financial Institution | 547 | $290,541,000 | $531,000 | $9,600,000 | $159,000 | $4,200,000 |
| File Closed For Incompleteness | 13 | $19,184,000 | $1,475,000 | $3,500,000 | $671,000 | $3,810,000 |
| Application Withdrawn By Applicant | 10 | $8,530,000 | $853,000 | $3,000,000 | $287,000 | $1,226,000 |
| 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 | 245 | $139,036,000 | $567,000 | $4,800,000 | $103,000 | $1,200,000 |
| Collateral | 122 | $66,297,000 | $543,000 | $3,000,000 | $196,000 | $854,000 |
| Credit History | 113 | $40,532,000 | $358,000 | $2,300,000 | $162,000 | $1,312,000 |
| Other | 35 | $18,448,000 | $527,000 | $1,645,000 | $253,000 | $1,827,000 |
| Credit Application Incomplete | 16 | $8,409,000 | $525,000 | $2,800,000 | $222,000 | $780,000 |
| Unverifiable Information | 5 | $1,749,000 | $349,000 | $508,000 | $183,000 | $323,000 |
| Employment History | 5 | $3,395,000 | $679,000 | $1,500,000 | $242,000 | $632,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $11,625,000 | $2,325,000 | $9,600,000 | $885,000 | $4,200,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2010 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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