Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2009
In 2009, Community West Bank, A California Banking Corporation of Fresno, CA reported 58 mortgage applications totaling $14.8 million, up 190% from 2008. The average application was for $254,982, and applicants reported an average income of $112,275. 0% of its applications resulted in an originated loan and 48% were denied. Its largest markets were Fresno, CA (38), Madera-Chowchilla, CA (12) and Merced, CA (2) (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 | 58 |
| Total Mortgage Loan Application Amount | $14,789,000 |
| Average Mortgage Loan Application Amount | $254,982 |
| Highest Mortgage Loan Application Amount | $685,000 |
| Average Applicant Income | $112,275 |
| Highest Applicant Income | $1,080,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 38 | $ 9,913,000 | $ 260,868 | $ 98,000 |
| Madera-Chowchilla, CA | 12 | $ 1,960,000 | $ 163,333 | $ 69,000 |
| Merced, CA | 2 | $ 245,000 | $ 122,500 | $ 98,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 1 | $ 580,000 | $ 580,000 | $ 1,080,000 |
| San Francisco-San Mateo-Redwood City, CA | 1 | $ 517,000 | $ 517,000 | $ 92,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 413,000 | $ 413,000 | $ 116,000 |
| Santa Ana-Anaheim-Irvine, CA | 1 | $ 685,000 | $ 685,000 | $ 244,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 408,000 | $ 408,000 | $ 193,000 |
| Stockton, CA | 1 | $ 68,000 | $ 68,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation 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 | 40 | $11,098,000 | $277,000 | $580,000 | $116,000 | $1,080,000 |
| Home Purchase | 18 | $3,691,000 | $205,000 | $685,000 | $104,000 | $340,000 |
| 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 | 35 | $9,758,000 | $278,000 | $685,000 | $105,000 | $340,000 |
| Hispanic | 12 | $2,602,000 | $216,000 | $555,000 | $73,000 | $340,000 |
| Not Provided | 8 | $2,039,000 | $254,000 | $580,000 | $227,000 | $1,080,000 |
| Black or African American | 2 | $302,000 | $151,000 | $152,000 | $63,000 | $75,000 |
| American Indian or Alaskan Native | 1 | $88,000 | $88,000 | $88,000 | $31,000 | $31,000 |
| 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 |
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) | 49 | $12,959,000 | $264,000 | $580,000 | $120,000 | $1,080,000 |
| FHA-insured (Federal Housing Administration) | 9 | $1,830,000 | $203,000 | $685,000 | $73,000 | $244,000 |
| 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 Denied By Financial Institution | 28 | $6,315,000 | $225,000 | $555,000 | $76,000 | $187,000 |
| Application Approved But Not Accepted | 23 | $6,280,000 | $273,000 | $580,000 | $157,000 | $1,080,000 |
| Application Withdrawn By Applicant | 5 | $1,628,000 | $325,000 | $685,000 | $115,000 | $244,000 |
| File Closed For Incompleteness | 2 | $566,000 | $283,000 | $296,000 | $99,000 | $115,000 |
| Loan Originated | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 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 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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