City National Bank Mortgage Lending & HMDA Data, 2004
In 2004, City National Bank of Los Angeles, CA reported 969 mortgage applications totaling $1.1 billion, down 31% from 2003. The average application was for $1,098,173, and applicants reported an average income of $510,982. 76% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (531), Santa Ana-Anaheim-Irvine, CA (70) and San Diego-Carlsbad-San Marcos, CA (68) (applications in parentheses).
| Mortgage Company & Address | City National Bank 555 South Flower Street Los Angeles, CA 90071 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 969 |
| Total Mortgage Loan Application Amount | $1,064,130,000 |
| Average Mortgage Loan Application Amount | $1,098,173 |
| Highest Mortgage Loan Application Amount | $20,400,000 |
| Average Applicant Income | $510,982 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records City National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 531 | $ 529,331,000 | $ 996,856 | $ 371,000 |
| Santa Ana-Anaheim-Irvine, CA | 70 | $ 82,495,000 | $ 1,178,500 | $ 368,000 |
| San Diego-Carlsbad-San Marcos, CA | 68 | $ 157,923,000 | $ 2,322,397 | $ 339,000 |
| Riverside-San Bernardino-Ontario, CA | 51 | $ 19,088,000 | $ 374,274 | $ 377,000 |
| New York-Wayne-White Plains, NY-NJ | 41 | $ 47,371,000 | $ 1,155,390 | $ 1,245,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 32 | $ 22,148,000 | $ 692,125 | $ 430,000 |
| San Francisco-San Mateo-Redwood City, CA | 31 | $ 38,943,000 | $ 1,256,225 | $ 861,000 |
| Oakland-Fremont-Hayward, CA | 27 | $ 18,456,000 | $ 683,555 | $ 270,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 45,292,000 | $ 5,661,500 | $ 216,000 |
| Las Vegas-Paradise, NV | 7 | $ 24,349,000 | $ 3,478,428 | $ 222,000 |
| Nassau-Suffolk, NY | 6 | $ 9,283,000 | $ 1,547,166 | $ 763,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 5 | $ 3,579,000 | $ 715,800 | $ 1,108,000 |
| Phoenix-Mesa-Scottsdale, AZ | 4 | $ 321,000 | $ 80,250 | $ 96,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 2,782,000 | $ 695,500 | $ 787,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 3,100,000 | $ 1,033,333 | $ 676,000 |
| Camden, NJ | 2 | $ 354,000 | $ 177,000 | $ 131,000 |
| Kingston, NY | 2 | $ 1,030,000 | $ 515,000 | $ 470,000 |
| Newark-Union, NJ-PA | 2 | $ 836,000 | $ 418,000 | $ 267,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 1,716,000 | $ 858,000 | $ 1,647,000 |
| Prescott, AZ | 2 | $ 944,000 | $ 472,000 | $ 277,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 975,000 | $ 487,500 | $ 155,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 1,450,000 | $ 725,000 | $ 435,000 |
| Albany-Schenectady-Troy, NY | 1 | $ 560,000 | $ 560,000 | $ 185,000 |
| Bakersfield, CA | 1 | $ 77,000 | $ 77,000 | $ 0 |
| Barnstable Town, MA | 1 | $ 1,500,000 | $ 1,500,000 | $ 2,319,000 |
| Bend, OR | 1 | $ 400,000 | $ 400,000 | $ 588,000 |
| Denver-Aurora, CO | 1 | $ 440,000 | $ 440,000 | $ 175,000 |
| Edison, NJ | 1 | $ 200,000 | $ 200,000 | $ 0 |
| Honolulu, HI | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Napa, CA | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Philadelphia, PA | 1 | $ 10,000,000 | $ 10,000,000 | $ 9,999,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 455,000 | $ 455,000 | $ 500,000 |
| Reno-Sparks, NV | 1 | $ 480,000 | $ 480,000 | $ 1,508,000 |
| Salinas, CA | 1 | $ 2,700,000 | $ 2,700,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 880,000 | $ 880,000 | $ 421,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 386,000 | $ 386,000 | $ 510,000 |
| Tacoma, WA | 1 | $ 320,000 | $ 320,000 | $ 257,000 |
| Vallejo-Fairfield, CA | 1 | $ 344,000 | $ 344,000 | $ 67,000 |
Mortgage Loan Application Detail Totals for City National Bank in 2004
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 | 483 | $637,041,000 | $1,707,384 | $20,400,000 | $1,291,615 | $9,999,000 |
| Refinancing | 397 | $322,614,000 | $671,142 | $5,175,000 | $784,714 | $9,999,000 |
| Home Improvement | 89 | $104,475,000 | $2,798,500 | $12,100,000 | $1,046,000 | $4,792,000 |
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 |
|---|---|---|---|---|---|---|
| White | 455 | $378,156,000 | $684,083 | $4,875,000 | $620,583 | $9,999,000 |
| Not Provided | 357 | $332,830,000 | $1,586,222 | $10,000,000 | $1,778,444 | $9,999,000 |
| Not applicable | 89 | $323,722,000 | $3,253,166 | $20,400,000 | $500 | $99,000 |
| Hispanic | 30 | $10,558,000 | $273,500 | $950,000 | $141,500 | $3,724,000 |
| Asian | 27 | $11,861,000 | $418,000 | $1,500,000 | $209,500 | $7,843,000 |
| Black or African American | 9 | $6,151,000 | $800,333 | $2,400,000 | $740,666 | $1,950,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $200,000 | $200,000 | $200,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $652,000 | $652,000 | $652,000 | $203,000 | $203,000 |
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) | 969 | $1,064,130,000 | $1,568,214 | $20,400,000 | $1,326,642 | $9,999,000 |
| 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 |
|---|---|---|---|---|---|---|
| Loan Originated | 733 | $847,010,000 | $1,078,333 | $20,400,000 | $656,666 | $9,999,000 |
| Application Withdrawn By Applicant | 80 | $69,887,000 | $735,000 | $4,500,000 | $703,400 | $7,200,000 |
| Application Approved But Not Accepted | 68 | $74,045,000 | $624,666 | $4,875,000 | $1,796,000 | $9,999,000 |
| Application Denied By Financial Institution | 40 | $42,801,000 | $2,529,600 | $10,000,000 | $2,200,600 | $9,999,000 |
| Preapproval Approved but not Accepted | 27 | $17,721,000 | $656,000 | $2,000,000 | $222,000 | $2,029,000 |
| Preapproval Denied by Financial Institution | 15 | $8,660,000 | $577,000 | $1,900,000 | $75,000 | $191,000 |
| File Closed For Incompleteness | 6 | $4,006,000 | $667,000 | $1,300,000 | $61,000 | $96,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 28 | $17,219,000 | $613,000 | $1,900,000 | $67,500 | $220,000 |
| Credit History | 10 | $3,934,000 | $326,000 | $1,240,000 | $152,200 | $356,000 |
| Other | 8 | $20,458,000 | $3,583,500 | $10,000,000 | $2,758,000 | $9,999,000 |
| Collateral | 6 | $6,327,000 | $1,132,500 | $2,677,000 | $423,500 | $581,000 |
| Employment History | 2 | $1,523,000 | $761,500 | $900,000 | $410,000 | $820,000 |
| Credit Application Incomplete | 1 | $2,000,000 | $2,000,000 | $2,000,000 | $0 | $0 |
| Unverifiable Information | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into City National Bank's 2004 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 City National Bank'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.
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