Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2024
In 2024, Community West Bank, A California Banking Corporation of Fresno, CA reported 81 mortgage applications totaling $19.7 million, down 77% from 2023. The average application was for $243,148, and applicants reported an average income of $153,209. 67% of its applications resulted in an originated loan and 15% were denied. Its largest markets were San Jose-Sunnyvale-Santa Clara, CA (19), Santa Maria-Santa Barbara, CA (17) and Oxnard-Thousand Oaks-Ventura, CA (13) (applications in parentheses).
| Mortgage Company & Address | Community West Bank, A California Banking Corporation Fresno, CA 93720 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 81 |
| Total Mortgage Loan Application Amount | $19,695,000 |
| Average Mortgage Loan Application Amount | $243,148 |
| Highest Mortgage Loan Application Amount | $535,000 |
| Average Applicant Income | $153,209 |
| Highest Applicant Income | $2,045,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2024
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 | 68 | $17,910,000 | $263,000 | $535,000 | $162,000 | $2,045,000 |
| Cash-out Refinancing | 9 | $1,195,000 | $132,000 | $255,000 | $102,000 | $222,000 |
| Refinancing | 4 | $590,000 | $147,000 | $175,000 | $119,000 | $240,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 49 | $11,265,000 | $229,000 | $505,000 | $132,000 | $569,000 |
| Hispanic | 16 | $4,150,000 | $259,000 | $535,000 | $123,000 | $222,000 |
| Asian | 7 | $1,825,000 | $260,000 | $365,000 | $109,000 | $142,000 |
| Not Provided | 5 | $1,505,000 | $301,000 | $535,000 | $524,000 | $2,045,000 |
| American Indian or Alaskan Native | 2 | $420,000 | $210,000 | $275,000 | $149,000 | $202,000 |
| Black or African American | 2 | $530,000 | $265,000 | $385,000 | $129,000 | $162,000 |
| 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) | 81 | $19,695,000 | $243,000 | $535,000 | $153,000 | $2,045,000 |
| 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 | 54 | $14,470,000 | $267,000 | $535,000 | $165,000 | $2,045,000 |
| Application Withdrawn By Applicant | 13 | $2,925,000 | $225,000 | $515,000 | $151,000 | $396,000 |
| Application Denied By Financial Institution | 12 | $2,010,000 | $167,000 | $365,000 | $119,000 | $324,000 |
| Application Approved But Not Accepted | 2 | $290,000 | $145,000 | $165,000 | $56,000 | $63,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 69 | $17,685,000 | $256,000 | $535,000 | $159,000 | $2,045,000 |
| Other | 6 | $1,070,000 | $178,000 | $365,000 | $161,000 | $324,000 |
| Debt-To-Income Ratio | 5 | $865,000 | $173,000 | $345,000 | $65,000 | $127,000 |
| Credit History | 1 | $75,000 | $75,000 | $75,000 | $132,000 | $132,000 |
| 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 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 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 2024 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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