Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2013
In 2013, Community West Bank, A California Banking Corporation of Fresno, CA reported 57 mortgage applications totaling $13.2 million, down 40% from 2012. The average application was for $232,175, and applicants reported an average income of $70,192. 5% of its applications resulted in an originated loan and 47% were denied. Its largest markets were Fresno, CA (28), Stockton, CA (16) and Merced, CA (5) (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 | 57 |
| Total Mortgage Loan Application Amount | $13,234,000 |
| Average Mortgage Loan Application Amount | $232,175 |
| Highest Mortgage Loan Application Amount | $2,090,000 |
| Average Applicant Income | $70,192 |
| Highest Applicant Income | $360,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 28 | $ 7,781,000 | $ 277,892 | $ 75,000 |
| Stockton, CA | 16 | $ 3,067,000 | $ 191,687 | $ 75,000 |
| Merced, CA | 5 | $ 669,000 | $ 133,800 | $ 36,000 |
| Modesto, CA | 4 | $ 731,000 | $ 182,750 | $ 46,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 2 | $ 413,000 | $ 206,500 | $ 51,000 |
| Madera-Chowchilla, CA | 1 | $ 245,000 | $ 245,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2013
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 | 50 | $10,002,000 | $200,000 | $417,000 | $74,000 | $360,000 |
| Home Purchase | 7 | $3,232,000 | $461,000 | $2,090,000 | $43,000 | $135,000 |
| 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 | 27 | $5,509,000 | $204,000 | $417,000 | $69,000 | $360,000 |
| Not Provided | 16 | $3,455,000 | $215,000 | $417,000 | $84,000 | $221,000 |
| Hispanic | 8 | $1,080,000 | $135,000 | $296,000 | $47,000 | $125,000 |
| Asian | 2 | $518,000 | $259,000 | $306,000 | $116,000 | $184,000 |
| Not applicable | 2 | $2,328,000 | $1,164,000 | $2,090,000 | $0 | $0 |
| Black or African American | 1 | $170,000 | $170,000 | $170,000 | $167,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $174,000 | $174,000 | $174,000 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 55 | $12,825,000 | $233,000 | $2,090,000 | $71,000 | $360,000 |
| FHA-insured (Federal Housing Administration) | 1 | $245,000 | $245,000 | $245,000 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 1 | $164,000 | $164,000 | $164,000 | $71,000 | $71,000 |
| 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 |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 27 | $4,876,000 | $180,000 | $388,000 | $57,000 | $167,000 |
| Application Withdrawn By Applicant | 18 | $3,705,000 | $205,000 | $375,000 | $76,000 | $221,000 |
| File Closed For Incompleteness | 7 | $1,807,000 | $258,000 | $417,000 | $137,000 | $360,000 |
| Loan Originated | 3 | $2,578,000 | $859,000 | $2,090,000 | $0 | $0 |
| Application Approved But Not Accepted | 2 | $268,000 | $134,000 | $135,000 | $71,000 | $89,000 |
| 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 2013 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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