California Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, California Bank & Trust of Huntington Beach, CA reported 2,791 mortgage applications totaling $875.5 million, down 30% from 2003. The average application was for $313,679, and applicants reported an average income of $93,039. 43% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (554), San Diego-Carlsbad-San Marcos, CA (462) and Santa Ana-Anaheim-Irvine, CA (448) (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 | 2,791 |
| Total Mortgage Loan Application Amount | $875,479,000 |
| Average Mortgage Loan Application Amount | $313,679 |
| Highest Mortgage Loan Application Amount | $10,059,000 |
| Average Applicant Income | $93,039 |
| Highest Applicant Income | $3,321,000 |
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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 1,508 | $402,682,000 | $418,750 | $5,630,000 | $22,750 | $3,321,000 |
| Home Purchase | 927 | $443,165,000 | $425,750 | $10,059,000 | $26,000 | $1,944,000 |
| Home Improvement | 356 | $29,632,000 | $83,000 | $1,200,000 | $95,000 | $1,629,000 |
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 | 1,098 | $289,925,000 | $411,500 | $4,100,000 | $468,750 | $3,321,000 |
| Not applicable | 787 | $374,836,000 | $446,800 | $10,059,000 | $1,933 | $600,000 |
| Asian | 458 | $111,914,000 | $244,000 | $2,800,000 | $116,000 | $1,200,000 |
| Hispanic | 227 | $40,126,000 | $176,000 | $900,000 | $74,000 | $443,000 |
| Not Provided | 130 | $40,400,000 | $310,000 | $1,946,000 | $116,000 | $879,000 |
| Black or African American | 54 | $10,604,000 | $196,000 | $980,000 | $78,000 | $252,000 |
| American Indian or Alaskan Native | 23 | $2,792,000 | $121,000 | $658,000 | $67,000 | $263,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $4,882,000 | $348,000 | $2,725,000 | $189,000 | $1,327,000 |
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) | 2,791 | $875,479,000 | $415,562 | $10,059,000 | $23,875 | $3,321,000 |
| 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 | 1,187 | $375,102,000 | $555,000 | $6,225,000 | $601,333 | $3,321,000 |
| Loan Purchased By The Institution | 713 | $271,608,000 | $438,133 | $1,996,000 | $0 | $0 |
| Application Denied By Financial Institution | 507 | $101,877,000 | $200,000 | $10,059,000 | $82,000 | $942,000 |
| Application Approved But Not Accepted | 311 | $79,385,000 | $144,000 | $2,900,000 | $92,000 | $1,200,000 |
| Application Withdrawn By Applicant | 64 | $37,715,000 | $589,000 | $3,000,000 | $128,000 | $720,000 |
| File Closed For Incompleteness | 9 | $9,792,000 | $1,088,000 | $4,000,000 | $212,000 | $1,030,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 290 | $39,016,000 | $134,000 | $750,000 | $87,000 | $942,000 |
| Debt-To-Income Ratio | 120 | $43,225,000 | $360,000 | $10,059,000 | $60,000 | $461,000 |
| Collateral | 62 | $11,945,000 | $192,000 | $1,066,000 | $110,000 | $700,000 |
| Other | 19 | $4,027,000 | $211,000 | $1,250,000 | $72,000 | $240,000 |
| Unverifiable Information | 13 | $1,942,000 | $149,000 | $250,000 | $48,000 | $96,000 |
| Employment History | 2 | $722,000 | $361,000 | $562,000 | $84,000 | $144,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $348,000 | $348,000 |
| 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 2004 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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