California Bank & Trust Mortgage Lending & HMDA Data, 2009
In 2009, California Bank & Trust of Huntington Beach, CA reported 2,138 mortgage applications totaling $1.2 billion, up 149% from 2008. The average application was for $557,302, and applicants reported an average income of $270,146. 50% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (645), San Diego-Carlsbad-San Marcos, CA (424) and Santa Ana-Anaheim-Irvine, CA (288) (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 | 2,138 |
| Total Mortgage Loan Application Amount | $1,191,513,000 |
| Average Mortgage Loan Application Amount | $557,302 |
| Highest Mortgage Loan Application Amount | $33,000,000 |
| Average Applicant Income | $270,146 |
| 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(HMDA) records California Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 1,413 | $761,569,000 | $538,000 | $33,000,000 | $241,000 | $9,999,000 |
| Home Purchase | 639 | $394,873,000 | $617,000 | $9,500,000 | $347,000 | $9,999,000 |
| Home Improvement | 86 | $35,071,000 | $407,000 | $3,000,000 | $178,000 | $1,292,000 |
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 | 881 | $428,930,000 | $486,000 | $5,460,000 | $287,000 | $9,999,000 |
| Not Provided | 452 | $258,845,000 | $572,000 | $6,000,000 | $457,000 | $9,999,000 |
| Asian | 327 | $127,637,000 | $390,000 | $3,000,000 | $244,000 | $9,999,000 |
| Not applicable | 237 | $313,714,000 | $1,323,000 | $33,000,000 | $65,000 | $9,999,000 |
| Hispanic | 189 | $45,202,000 | $239,000 | $1,615,000 | $84,000 | $492,000 |
| Black or African American | 34 | $12,269,000 | $360,000 | $3,000,000 | $138,000 | $1,923,000 |
| Native Hawaiian or Other Pacific Islander | 13 | $3,847,000 | $295,000 | $980,000 | $102,000 | $462,000 |
| American Indian or Alaskan Native | 5 | $1,069,000 | $213,000 | $535,000 | $122,000 | $276,000 |
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) | 2,138 | $1,191,513,000 | $557,000 | $33,000,000 | $270,000 | $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 | 1,064 | $519,520,000 | $488,000 | $33,000,000 | $285,000 | $9,999,000 |
| Application Denied By Financial Institution | 452 | $263,538,000 | $583,000 | $6,000,000 | $236,000 | $9,999,000 |
| Application Approved But Not Accepted | 431 | $200,040,000 | $464,000 | $6,000,000 | $334,000 | $9,999,000 |
| Loan Purchased By The Institution | 154 | $168,099,000 | $1,091,000 | $9,636,000 | $0 | $0 |
| Application Withdrawn By Applicant | 20 | $16,375,000 | $818,000 | $2,775,000 | $823,000 | $9,999,000 |
| File Closed For Incompleteness | 17 | $23,941,000 | $1,408,000 | $3,500,000 | $383,000 | $1,212,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 207 | $145,359,000 | $702,000 | $4,500,000 | $247,000 | $9,999,000 |
| Collateral | 118 | $66,098,000 | $560,000 | $6,000,000 | $191,000 | $1,903,000 |
| Credit History | 76 | $24,735,000 | $325,000 | $3,000,000 | $212,000 | $2,298,000 |
| Other | 38 | $20,772,000 | $546,000 | $5,700,000 | $385,000 | $9,999,000 |
| Unverifiable Information | 6 | $4,158,000 | $693,000 | $2,260,000 | $188,000 | $658,000 |
| Credit Application Incomplete | 5 | $1,951,000 | $390,000 | $1,100,000 | $216,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $465,000 | $232,000 | $285,000 | $75,000 | $111,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into California Bank & Trust's 2009 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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