City National Bank Mortgage Lending & HMDA Data, 2006
In 2006, City National Bank of Los Angeles, CA reported 748 mortgage applications totaling $865.2 million, down 20% from 2005. The average application was for $1,156,628, and applicants reported an average income of $710,453. 63% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (360), New York-White Plains-Wayne, NY-NJ (67) and Santa Ana-Anaheim-Irvine, CA (50) (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 | 748 |
| Total Mortgage Loan Application Amount | $865,158,000 |
| Average Mortgage Loan Application Amount | $1,156,628 |
| Highest Mortgage Loan Application Amount | $22,752,000 |
| Average Applicant Income | $710,453 |
| 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Act (HMDA) records City National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 360 | $ 416,310,000 | $ 1,156,416 | $ 644,000 |
| New York-White Plains-Wayne, NY-NJ | 67 | $ 73,537,000 | $ 1,097,567 | $ 877,000 |
| Santa Ana-Anaheim-Irvine, CA | 50 | $ 47,162,000 | $ 943,240 | $ 890,000 |
| Riverside-San Bernardino-Ontario, CA | 42 | $ 26,940,000 | $ 641,428 | $ 749,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 32 | $ 31,733,000 | $ 991,656 | $ 897,000 |
| San Francisco-San Mateo-Redwood City, CA | 28 | $ 27,080,000 | $ 967,142 | $ 543,000 |
| San Diego-Carlsbad-San Marcos, CA | 21 | $ 35,949,000 | $ 1,711,857 | $ 382,000 |
| Oakland-Fremont-Hayward, CA | 16 | $ 14,306,000 | $ 894,125 | $ 504,000 |
| Nassau-Suffolk, NY | 6 | $ 6,340,000 | $ 1,056,666 | $ 607,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 5 | $ 35,045,000 | $ 7,009,000 | $ 695,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 4 | $ 5,818,000 | $ 1,454,500 | $ 523,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 4 | $ 1,679,000 | $ 419,750 | $ 749,000 |
| Bakersfield, CA | 3 | $ 9,616,000 | $ 3,205,333 | $ 76,000 |
| Bridgeport-Stamford-Norwalk, CT | 3 | $ 5,303,000 | $ 1,767,666 | $ 1,219,000 |
| Honolulu, HI | 3 | $ 5,578,000 | $ 1,859,333 | $ 812,000 |
| Las Vegas-Paradise, NV | 3 | $ 22,220,000 | $ 7,406,666 | $ 73,000 |
| Santa Barbara-Santa Maria, CA | 3 | $ 8,670,000 | $ 2,890,000 | $ 1,210,000 |
| Boston-Quincy, MA | 2 | $ 2,059,000 | $ 1,029,500 | $ 5,499,000 |
| Edison, NJ | 2 | $ 1,300,000 | $ 650,000 | $ 1,326,000 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 1,620,000 | $ 810,000 | $ 1,399,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 2,334,000 | $ 1,167,000 | $ 3,261,000 |
| Barnstable Town, MA | 1 | $ 525,000 | $ 525,000 | $ 527,000 |
| Cambridge-Newton-Framingham, MA | 1 | $ 352,000 | $ 352,000 | $ 1,286,000 |
| Denver-Aurora, CO | 1 | $ 1,500,000 | $ 1,500,000 | $ 1,285,000 |
| Kingston, NY | 1 | $ 1,100,000 | $ 1,100,000 | $ 620,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 300,000 | $ 300,000 | $ 100,000 |
| Napa, CA | 1 | $ 1,295,000 | $ 1,295,000 | $ 761,000 |
| Newark-Union, NJ-PA | 1 | $ 544,000 | $ 544,000 | $ 2,100,000 |
| Orlando-Kissimmee, FL | 1 | $ 2,750,000 | $ 2,750,000 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 258,000 | $ 258,000 | $ 959,000 |
| Pittsfield, MA | 1 | $ 600,000 | $ 600,000 | $ 56,000 |
| Salt Lake City, UT | 1 | $ 315,000 | $ 315,000 | $ 795,000 |
| San Luis Obispo-Paso Robles, CA | 1 | $ 400,000 | $ 400,000 | $ 4,153,000 |
| Santa Rosa-Petaluma, CA | 1 | $ 207,000 | $ 207,000 | $ 558,000 |
Mortgage Loan Application Detail Totals for City National Bank in 2006
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 | 429 | $550,241,000 | $1,282,000 | $22,752,000 | $828,000 | $9,999,000 |
| Refinancing | 239 | $251,556,000 | $1,052,000 | $15,800,000 | $593,000 | $9,879,000 |
| Home Improvement | 80 | $63,361,000 | $792,000 | $6,684,000 | $431,000 | $5,916,000 |
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 | 360 | $312,981,000 | $869,000 | $7,560,000 | $663,000 | $9,879,000 |
| Not Provided | 280 | $327,022,000 | $1,167,000 | $10,500,000 | $967,000 | $9,999,000 |
| Not applicable | 53 | $186,063,000 | $3,510,000 | $22,752,000 | $33,000 | $1,500,000 |
| Asian | 27 | $24,541,000 | $908,000 | $3,000,000 | $380,000 | $1,400,000 |
| Hispanic | 17 | $7,665,000 | $450,000 | $1,248,000 | $281,000 | $1,100,000 |
| Black or African American | 7 | $6,154,000 | $879,000 | $1,320,000 | $620,000 | $1,969,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $632,000 | $210,000 | $428,000 | $148,000 | $167,000 |
| American Indian or Alaskan Native | 1 | $100,000 | $100,000 | $100,000 | $296,000 | $296,000 |
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) | 748 | $865,158,000 | $1,156,000 | $22,752,000 | $710,000 | $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 | 473 | $571,984,000 | $1,209,000 | $22,752,000 | $780,000 | $9,999,000 |
| Application Approved But Not Accepted | 74 | $90,629,000 | $1,224,000 | $5,000,000 | $971,000 | $6,633,000 |
| Application Denied By Financial Institution | 67 | $53,879,000 | $804,000 | $4,400,000 | $275,000 | $2,400,000 |
| Application Withdrawn By Applicant | 57 | $68,775,000 | $1,206,000 | $5,000,000 | $558,000 | $2,721,000 |
| Preapproval Approved but not Accepted | 41 | $47,825,000 | $1,166,000 | $10,000,000 | $761,000 | $6,232,000 |
| Preapproval Denied by Financial Institution | 24 | $13,023,000 | $542,000 | $2,485,000 | $210,000 | $1,730,000 |
| File Closed For Incompleteness | 12 | $19,043,000 | $1,586,000 | $3,000,000 | $316,000 | $1,336,000 |
| 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 | 50 | $28,621,000 | $572,000 | $2,485,000 | $145,000 | $1,730,000 |
| Credit History | 15 | $8,968,000 | $597,000 | $1,500,000 | $218,000 | $700,000 |
| Collateral | 13 | $19,281,000 | $1,483,000 | $4,400,000 | $722,000 | $2,400,000 |
| Other | 6 | $3,215,000 | $535,000 | $1,000,000 | $224,000 | $450,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $2,997,000 | $999,000 | $2,637,000 | $170,000 | $288,000 |
| Unverifiable Information | 2 | $2,250,000 | $1,125,000 | $1,275,000 | $555,000 | $775,000 |
| Credit Application Incomplete | 2 | $1,570,000 | $785,000 | $1,060,000 | $277,000 | $490,000 |
| Employment History | 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 2006 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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