Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2009
In 2009, Community West Bank, A California Banking Corporation of Fresno, CA reported 924 mortgage applications totaling $209.4 million, down 1% from 2008. The average application was for $226,661, and applicants reported an average income of $109,512. 64% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (318), Oxnard-Thousand Oaks-Ventura, CA (172) and San Jose-Sunnyvale-Santa Clara, CA (96) (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 | 924 |
| Total Mortgage Loan Application Amount | $209,435,000 |
| Average Mortgage Loan Application Amount | $226,661 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $109,512 |
| Highest Applicant Income | $4,544,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Santa Barbara, California | 318 | $ 93,883,000 | $ 295,229 | $ 110,000 |
| Ventura, California | 172 | $ 45,371,000 | $ 263,784 | $ 158,000 |
| Santa Clara, California | 96 | $ 8,907,000 | $ 92,781 | $ 72,000 |
| Los Angeles, California | 95 | $ 23,840,000 | $ 250,947 | $ 162,000 |
| San Luis Obispo, California | 47 | $ 13,185,000 | $ 280,531 | $ 84,000 |
| Orange, California | 32 | $ 5,894,000 | $ 184,187 | $ 73,000 |
| Alameda, California | 22 | $ 2,161,000 | $ 98,227 | $ 52,000 |
| Santa Cruz, California | 22 | $ 3,355,000 | $ 152,500 | $ 65,000 |
| Sonoma, California | 16 | $ 1,411,000 | $ 88,187 | $ 40,000 |
| Placer, California | 14 | $ 1,372,000 | $ 98,000 | $ 84,000 |
| Sacramento, California | 13 | $ 711,000 | $ 54,692 | $ 62,000 |
| Contra Costa, California | 12 | $ 719,000 | $ 59,916 | $ 48,000 |
| San Mateo, California | 10 | $ 939,000 | $ 93,900 | $ 63,000 |
| Napa, California | 7 | $ 588,000 | $ 84,000 | $ 41,000 |
| San Diego, California | 6 | $ 978,000 | $ 163,000 | $ 86,000 |
| Solano, California | 6 | $ 269,000 | $ 44,833 | $ 48,000 |
| Kern, California | 5 | $ 915,000 | $ 183,000 | $ 79,000 |
| Monterey, California | 4 | $ 1,141,000 | $ 285,250 | $ 110,000 |
| Riverside, California | 4 | $ 1,113,000 | $ 278,250 | $ 158,000 |
| Yolo, California | 3 | $ 186,000 | $ 62,000 | $ 94,000 |
| Marin, California | 2 | $ 674,000 | $ 337,000 | $ 124,000 |
| Mariposa, California | 2 | $ 108,000 | $ 54,000 | $ 40,000 |
| Nevada, California | 2 | $ 89,000 | $ 44,500 | $ 88,000 |
| San Bernardino, California | 2 | $ 526,000 | $ 263,000 | $ 141,000 |
| Shasta, California | 2 | $ 79,000 | $ 39,500 | $ 26,000 |
| Stanislaus, California | 2 | $ 80,000 | $ 40,000 | $ 25,000 |
| Sutter, California | 2 | $ 76,000 | $ 38,000 | $ 11,000 |
| Maricopa, Arizona | 1 | $ 192,000 | $ 192,000 | $ 93,000 |
| Amador, California | 1 | $ 67,000 | $ 67,000 | $ 28,000 |
| El Dorado, California | 1 | $ 56,000 | $ 56,000 | $ 20,000 |
| Madera, California | 1 | $ 260,000 | $ 260,000 | $ 234,000 |
| San Joaquin, California | 1 | $ 45,000 | $ 45,000 | $ 47,000 |
| Boulder, Colorado | 1 | $ 245,000 | $ 245,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2009
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 | 591 | $150,122,000 | $254,000 | $900,000 | $116,000 | $4,544,000 |
| Home Purchase | 333 | $59,313,000 | $178,000 | $840,000 | $98,000 | $563,000 |
| 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 | 724 | $172,774,000 | $238,000 | $900,000 | $119,000 | $4,544,000 |
| Not Provided | 87 | $16,468,000 | $189,000 | $725,000 | $81,000 | $307,000 |
| Hispanic | 78 | $12,153,000 | $155,000 | $446,000 | $60,000 | $195,000 |
| Asian | 26 | $6,663,000 | $256,000 | $729,000 | $106,000 | $301,000 |
| Black or African American | 4 | $757,000 | $189,000 | $336,000 | $64,000 | $85,000 |
| American Indian or Alaskan Native | 3 | $404,000 | $134,000 | $298,000 | $54,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $216,000 | $108,000 | $158,000 | $53,000 | $74,000 |
| 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) | 924 | $209,435,000 | $226,000 | $900,000 | $110,000 | $4,544,000 |
| 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 | 587 | $136,802,000 | $233,000 | $803,000 | $108,000 | $966,000 |
| Application Denied By Financial Institution | 205 | $37,110,000 | $181,000 | $900,000 | $84,000 | $4,341,000 |
| Application Withdrawn By Applicant | 74 | $16,321,000 | $220,000 | $740,000 | $172,000 | $4,544,000 |
| Application Approved But Not Accepted | 56 | $18,352,000 | $327,000 | $692,000 | $130,000 | $477,000 |
| File Closed For Incompleteness | 2 | $850,000 | $425,000 | $480,000 | $177,000 | $210,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 75 | $8,002,000 | $106,000 | $840,000 | $30,000 | $240,000 |
| Debt-To-Income Ratio | 61 | $14,390,000 | $235,000 | $625,000 | $84,000 | $1,620,000 |
| Collateral | 38 | $6,829,000 | $179,000 | $557,000 | $76,000 | $215,000 |
| Other | 11 | $1,555,000 | $141,000 | $312,000 | $68,000 | $274,000 |
| Employment History | 7 | $866,000 | $123,000 | $302,000 | $43,000 | $87,000 |
| Unverifiable Information | 6 | $3,154,000 | $525,000 | $900,000 | $180,000 | $453,000 |
| Credit Application Incomplete | 5 | $2,060,000 | $412,000 | $626,000 | $955,000 | $4,341,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $254,000 | $127,000 | $151,000 | $75,000 | $112,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community West Bank, A California Banking Corporation's 2009 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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