Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2008
In 2008, Community West Bank, A California Banking Corporation of Fresno, CA reported 20 mortgage applications totaling $6.7 million, down 13% from 2007. The average application was for $333,800, and applicants reported an average income of $342,700. 15% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Fresno, CA (9), Madera, CA (5) and Stockton, CA (3) (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 | 20 |
| Total Mortgage Loan Application Amount | $6,676,000 |
| Average Mortgage Loan Application Amount | $333,800 |
| Highest Mortgage Loan Application Amount | $2,400,000 |
| Average Applicant Income | $342,700 |
| Highest Applicant Income | $4,763,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fresno, CA | 9 | $ 1,883,000 | $ 209,222 | $ 62,000 |
| Madera, CA | 5 | $ 946,000 | $ 189,200 | $ 1,027,000 |
| Stockton, CA | 3 | $ 784,000 | $ 261,333 | $ 64,000 |
| Las Vegas-Paradise, NV | 1 | $ 343,000 | $ 343,000 | $ 438,000 |
| Modesto, CA | 1 | $ 2,400,000 | $ 2,400,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 320,000 | $ 320,000 | $ 545,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2008
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 | 11 | $2,541,000 | $231,000 | $420,000 | $106,000 | $545,000 |
| Home Purchase | 9 | $4,135,000 | $459,000 | $2,400,000 | $632,000 | $4,763,000 |
| Home Improvement | 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 | 10 | $2,712,000 | $271,000 | $417,000 | $123,000 | $438,000 |
| Hispanic | 7 | $1,339,000 | $191,000 | $420,000 | $124,000 | $545,000 |
| Not applicable | 2 | $225,000 | $112,000 | $175,000 | $2,381,000 | $4,763,000 |
| Not Provided | 1 | $2,400,000 | $2,400,000 | $2,400,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 20 | $6,676,000 | $333,000 | $2,400,000 | $343,000 | $4,763,000 |
| 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 Denied By Financial Institution | 7 | $1,790,000 | $255,000 | $420,000 | $79,000 | $138,000 |
| Application Withdrawn By Applicant | 7 | $3,926,000 | $560,000 | $2,400,000 | $187,000 | $545,000 |
| Application Approved But Not Accepted | 3 | $705,000 | $235,000 | $364,000 | $65,000 | $83,000 |
| Loan Originated | 3 | $255,000 | $85,000 | $175,000 | $1,601,000 | $4,763,000 |
| 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 2008 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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