Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2004
In 2004, Community West Bank, A California Banking Corporation of Fresno, CA reported 30 mortgage applications totaling $6.4 million, down 33% from 2003. The average application was for $213,233, and applicants reported an average income of $88,266. 17% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Fresno, CA (26), Madera, CA (2) and Sacramento--Arden-Arcade--Roseville, 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 | 30 |
| Total Mortgage Loan Application Amount | $6,397,000 |
| Average Mortgage Loan Application Amount | $213,233 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $88,266 |
| Highest Applicant Income | $492,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 26 | $ 4,081,000 | $ 156,961 | $ 66,000 |
| Madera, California | 2 | $ 316,000 | $ 158,000 | $ 107,000 |
| El Dorado, California | 1 | $ 1,800,000 | $ 1,800,000 | $ 492,000 |
| Marin, California | 1 | $ 200,000 | $ 200,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation 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 | 24 | $3,771,000 | $157,000 | $335,000 | $77,000 | $492,000 |
| Home Purchase | 5 | $2,426,000 | $485,000 | $1,800,000 | $160,000 | $492,000 |
| Home Improvement | 1 | $200,000 | $200,000 | $200,000 | $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 |
|---|---|---|---|---|---|---|
| White | 26 | $5,817,000 | $223,000 | $1,800,000 | $115,000 | $492,000 |
| Hispanic | 3 | $505,000 | $168,000 | $324,000 | $56,000 | $74,000 |
| Black or African American | 1 | $75,000 | $75,000 | $75,000 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 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) | 30 | $6,397,000 | $213,000 | $1,800,000 | $97,000 | $492,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Approved But Not Accepted | 10 | $1,408,000 | $140,000 | $324,000 | $54,000 | $154,000 |
| Application Withdrawn By Applicant | 9 | $1,702,000 | $189,000 | $334,000 | $98,000 | $155,000 |
| Application Denied By Financial Institution | 6 | $959,000 | $159,000 | $335,000 | $32,000 | $158,000 |
| Loan Originated | 5 | $2,328,000 | $465,000 | $1,800,000 | $218,000 | $492,000 |
| 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 |
| 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 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 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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