California Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, California Bank & Trust of Huntington Beach, CA reported 4,004 mortgage applications totaling $1.2 billion. The average application was for $308,538, and applicants reported an average income of $85,787. 37% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach, CA (850), San Diego, CA (484) and Orange County, CA (483) (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 | 4,004 |
| Total Mortgage Loan Application Amount | $1,235,389,000 |
| Average Mortgage Loan Application Amount | $308,538 |
| Highest Mortgage Loan Application Amount | $28,918,000 |
| Average Applicant Income | $85,787 |
| Highest Applicant Income | $3,000,000 |
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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2003
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 (home purchase or home improvement, one-to-four family) | 2,902 | $756,346,000 | $471,000 | $3,300,000 | $20,750 | $3,000,000 |
| Home Purchase (one-to-four family) | 751 | $307,370,000 | $388,000 | $2,600,000 | $9,466 | $1,378,000 |
| Home Improvement (one-to-four family) | 312 | $18,351,000 | $31,000 | $650,000 | $42,000 | $675,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 39 | $153,322,000 | $6,328,500 | $28,918,000 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,378 | $761,235,000 | $466,684 | $28,918,000 | $0 | $0 |
| White | 1,201 | $217,149,000 | $201,750 | $2,600,000 | $140,250 | $3,000,000 |
| Asian or Pacific Islander | 660 | $117,417,000 | $177,000 | $6,150,000 | $109,000 | $1,440,000 |
| Hispanic | 300 | $40,821,000 | $126,000 | $1,000,000 | $42,666 | $995,000 |
| Information not provided by applicant in mail or telephone application | 294 | $66,931,000 | $229,000 | $1,500,000 | $68,000 | $1,582,000 |
| Black | 89 | $13,089,000 | $118,333 | $546,000 | $58,333 | $740,000 |
| Other | 48 | $11,926,000 | $248,000 | $1,450,000 | $124,000 | $572,000 |
| American Indian or Alaskan Native | 34 | $6,821,000 | $105,500 | $3,000,000 | $56,000 | $515,000 |
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) | 4,004 | $1,235,389,000 | $422,600 | $28,918,000 | $11,100 | $3,000,000 |
| 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 | 1,462 | $370,120,000 | $1,723,750 | $28,918,000 | $70,500 | $3,000,000 |
| Loan Purchased By The Institution | 1,327 | $600,206,000 | $450,736 | $2,000,000 | $0 | $0 |
| Application Denied By Financial Institution | 663 | $112,048,000 | $104,000 | $6,150,000 | $48,000 | $1,124,000 |
| Application Approved But Not Accepted | 473 | $97,996,000 | $199,000 | $3,300,000 | $55,750 | $1,582,000 |
| Application Withdrawn By Applicant | 50 | $36,380,000 | $420,000 | $12,410,000 | $149,500 | $2,464,000 |
| File Closed For Incompleteness | 29 | $18,639,000 | $642,000 | $2,600,000 | $145,000 | $800,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 358 | $48,658,000 | $87,200 | $1,220,000 | $33,000 | $1,020,000 |
| Debt-To-Income Ratio | 178 | $40,811,000 | $229,000 | $6,150,000 | $55,000 | $409,000 |
| Collateral | 74 | $9,949,000 | $134,000 | $650,000 | $112,000 | $1,124,000 |
| Other | 21 | $6,422,000 | $305,000 | $3,607,000 | $78,000 | $320,000 |
| Unverifiable Information | 19 | $3,663,000 | $224,500 | $500,000 | $156,500 | $714,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,985,000 | $283,000 | $402,000 | $88,000 | $239,000 |
| Employment History | 4 | $271,000 | $67,000 | $86,000 | $37,000 | $51,000 |
| Credit Application Incomplete | 2 | $289,000 | $144,000 | $250,000 | $91,000 | $124,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2003 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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