Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2012
In 2012, Community West Bank, A California Banking Corporation of Fresno, CA reported 95 mortgage applications totaling $21.8 million, up 83% from 2011. The average application was for $229,063, and applicants reported an average income of $103,800. 0% of its applications resulted in an originated loan and 59% were denied. Its largest markets were Fresno, CA (41), Stockton, CA (18) and Merced, CA (12) (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 | 95 |
| Total Mortgage Loan Application Amount | $21,761,000 |
| Average Mortgage Loan Application Amount | $229,063 |
| Highest Mortgage Loan Application Amount | $1,695,000 |
| Average Applicant Income | $103,800 |
| Highest Applicant Income | $442,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 41 | $ 10,052,000 | $ 245,170 | $ 102,000 |
| Stockton, CA | 18 | $ 3,865,000 | $ 214,722 | $ 122,000 |
| Merced, CA | 12 | $ 2,902,000 | $ 241,833 | $ 70,000 |
| Madera-Chowchilla, CA | 7 | $ 1,596,000 | $ 228,000 | $ 129,000 |
| Modesto, CA | 6 | $ 953,000 | $ 158,833 | $ 107,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 547,000 | $ 273,500 | $ 137,000 |
| Oakland-Fremont-Hayward, CA | 1 | $ 625,000 | $ 625,000 | $ 156,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 361,000 | $ 361,000 | $ 110,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 150,000 | $ 150,000 | $ 195,000 |
| Visalia-Porterville, CA | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2012
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 | 79 | $18,478,000 | $233,000 | $1,695,000 | $107,000 | $442,000 |
| Home Purchase | 16 | $3,283,000 | $205,000 | $417,000 | $88,000 | $240,000 |
| 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 | 63 | $14,432,000 | $229,000 | $1,695,000 | $99,000 | $442,000 |
| Not Provided | 16 | $3,650,000 | $228,000 | $625,000 | $129,000 | $384,000 |
| Asian | 7 | $1,975,000 | $282,000 | $417,000 | $144,000 | $303,000 |
| Hispanic | 5 | $736,000 | $147,000 | $192,000 | $49,000 | $67,000 |
| American Indian or Alaskan Native | 4 | $968,000 | $242,000 | $363,000 | $77,000 | $119,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 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) | 89 | $19,966,000 | $224,000 | $1,695,000 | $104,000 | $442,000 |
| FHA-insured (Federal Housing Administration) | 3 | $720,000 | $240,000 | $328,000 | $106,000 | $166,000 |
| VA-guaranteed (Veterans Administration) | 2 | $450,000 | $225,000 | $250,000 | $60,000 | $74,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $625,000 | $625,000 | $625,000 | $156,000 | $156,000 |
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 | 56 | $12,130,000 | $216,000 | $625,000 | $98,000 | $303,000 |
| Application Withdrawn By Applicant | 35 | $8,931,000 | $255,000 | $1,695,000 | $115,000 | $442,000 |
| Application Approved But Not Accepted | 4 | $700,000 | $175,000 | $190,000 | $75,000 | $101,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 20 | $4,960,000 | $248,000 | $417,000 | $140,000 | $303,000 |
| Debt-To-Income Ratio | 15 | $2,723,000 | $181,000 | $329,000 | $38,000 | $83,000 |
| Other | 12 | $2,286,000 | $190,000 | $360,000 | $99,000 | $174,000 |
| Credit History | 6 | $1,204,000 | $200,000 | $360,000 | $81,000 | $166,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $817,000 | $408,000 | $625,000 | $107,000 | $156,000 |
| Unverifiable Information | 1 | $140,000 | $140,000 | $140,000 | $240,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community West Bank, A California Banking Corporation's 2012 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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