Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2003
In 2003, Community West Bank, A California Banking Corporation of Fresno, CA reported 45 mortgage applications totaling $8.3 million. The average application was for $184,777, and applicants reported an average income of $117,377. 2% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Fresno, CA (39), Los Angeles-Long Beach, CA (1) and Merced, CA (1) (applications in parentheses).
| Mortgage Company & Address | Community West Bank, A California Banking Corporation 7100 N Financial Drive Suite 101 Fresno, CA 93720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 45 |
| Total Mortgage Loan Application Amount | $8,315,000 |
| Average Mortgage Loan Application Amount | $184,777 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $117,377 |
| Highest Applicant Income | $541,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Community West Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fresno, California | 38 | $ 6,179,000 | $ 162,605 | $ 76,000 |
| El Dorado, California | 1 | $ 1,000,000 | $ 1,000,000 | $ 396,000 |
| Los Angeles, California | 1 | $ 145,000 | $ 145,000 | $ 157,000 |
| Madera, California | 1 | $ 318,000 | $ 318,000 | $ 541,000 |
| Merced, California | 1 | $ 106,000 | $ 106,000 | $ 0 |
| San Diego, California | 1 | $ 210,000 | $ 210,000 | $ 49,000 |
| Santa Clara, California | 1 | $ 231,000 | $ 231,000 | $ 27,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation 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) | 40 | $7,297,000 | $154,500 | $1,000,000 | $89,500 | $541,000 |
| Home Purchase (one-to-four family) | 5 | $1,018,000 | $203,000 | $310,000 | $101,000 | $181,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement (one-to-four family) | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| White | 35 | $6,828,000 | $195,000 | $1,000,000 | $168,000 | $541,000 |
| Hispanic | 6 | $844,000 | $140,000 | $231,000 | $34,000 | $83,000 |
| Asian or Pacific Islander | 2 | $267,000 | $133,000 | $136,000 | $53,000 | $67,000 |
| American Indian or Alaskan Native | 1 | $126,000 | $126,000 | $126,000 | $58,000 | $58,000 |
| Other | 1 | $250,000 | $250,000 | $250,000 | $85,000 | $85,000 |
| Black | 0 | $0 | $0 | $0 | $0 | $0 |
| Information not provided by applicant in mail or telephone application | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 44 | $8,141,000 | $156,000 | $1,000,000 | $89,500 | $541,000 |
| FHA-insured (Federal Housing Administration) | 1 | $174,000 | $174,000 | $174,000 | $62,000 | $62,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Withdrawn By Applicant | 23 | $3,945,000 | $149,500 | $376,000 | $100,000 | $541,000 |
| Application Denied By Financial Institution | 13 | $2,006,000 | $154,000 | $284,000 | $60,000 | $181,000 |
| Application Approved But Not Accepted | 8 | $1,364,000 | $170,000 | $250,000 | $84,000 | $255,000 |
| Loan Originated | 1 | $1,000,000 | $1,000,000 | $1,000,000 | $396,000 | $396,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community West Bank, A California Banking Corporation'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 Community West Bank, A California Banking Corporation'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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