Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2016
In 2016, Community West Bank, A California Banking Corporation of Fresno, CA reported 69 mortgage applications totaling $17.9 million, up 86% from 2015. The average application was for $259,231, and applicants reported an average income of $51,536. 49% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Sacramento--Roseville--Arden-Arcade, CA (26), Fresno, CA (19) and Merced, CA (8) (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 | 69 |
| Total Mortgage Loan Application Amount | $17,887,000 |
| Average Mortgage Loan Application Amount | $259,231 |
| Highest Mortgage Loan Application Amount | $3,900,000 |
| Average Applicant Income | $51,536 |
| Highest Applicant Income | $255,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Sacramento, California | 21 | $ 3,609,000 | $ 171,857 | $ 20,000 |
| Fresno, California | 19 | $ 4,066,000 | $ 214,000 | $ 86,000 |
| Merced, California | 8 | $ 2,214,000 | $ 276,750 | $ 64,000 |
| Madera, California | 4 | $ 1,125,000 | $ 281,250 | $ 98,000 |
| San Joaquin, California | 4 | $ 515,000 | $ 128,750 | $ 13,000 |
| Placer, California | 3 | $ 605,000 | $ 201,666 | $ 0 |
| El Dorado, California | 2 | $ 531,000 | $ 265,500 | $ 61,000 |
| Sutter, California | 2 | $ 4,012,000 | $ 2,006,000 | $ 0 |
| Tulare, California | 2 | $ 289,000 | $ 144,500 | $ 83,000 |
| Kings, California | 1 | $ 233,000 | $ 233,000 | $ 70,000 |
| Marin, California | 1 | $ 385,000 | $ 385,000 | $ 205,000 |
| Stanislaus, California | 1 | $ 138,000 | $ 138,000 | $ 0 |
| Tuolumne, California | 1 | $ 165,000 | $ 165,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 35 | $6,934,000 | $198,000 | $659,000 | $32,000 | $255,000 |
| Refinancing | 31 | $10,250,000 | $330,000 | $3,900,000 | $72,000 | $245,000 |
| Home Improvement | 3 | $703,000 | $234,000 | $385,000 | $68,000 | $205,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 29 | $8,106,000 | $279,000 | $3,900,000 | $0 | $0 |
| White | 19 | $4,387,000 | $230,000 | $417,000 | $109,000 | $245,000 |
| Hispanic | 10 | $2,433,000 | $243,000 | $659,000 | $71,000 | $255,000 |
| Not Provided | 9 | $2,659,000 | $295,000 | $470,000 | $70,000 | $180,000 |
| American Indian or Alaskan Native | 1 | $196,000 | $196,000 | $196,000 | $25,000 | $25,000 |
| Asian | 1 | $106,000 | $106,000 | $106,000 | $148,000 | $148,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 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) | 65 | $17,220,000 | $264,000 | $3,900,000 | $52,000 | $255,000 |
| FHA-insured (Federal Housing Administration) | 3 | $471,000 | $157,000 | $216,000 | $43,000 | $103,000 |
| VA-guaranteed (Veterans Administration) | 1 | $196,000 | $196,000 | $196,000 | $25,000 | $25,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 34 | $9,962,000 | $293,000 | $3,900,000 | $13,000 | $205,000 |
| Application Withdrawn By Applicant | 18 | $4,580,000 | $254,000 | $659,000 | $109,000 | $255,000 |
| Application Denied By Financial Institution | 12 | $2,316,000 | $193,000 | $376,000 | $65,000 | $156,000 |
| File Closed For Incompleteness | 4 | $881,000 | $220,000 | $308,000 | $70,000 | $100,000 |
| Application Approved But Not Accepted | 1 | $148,000 | $148,000 | $148,000 | $96,000 | $96,000 |
| 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 |
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 2016 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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