Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2022
In 2022, Community West Bank, A California Banking Corporation of Fresno, CA reported 448 mortgage applications totaling $99.8 million, down 13% from 2021. The average application was for $222,857, and applicants reported an average income of $128,198. 63% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Oxnard-Thousand Oaks-Ventura, CA (98), Santa Maria-Santa Barbara, CA (87) and San Jose-Sunnyvale-Santa Clara, CA (84) (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 | 448 |
| Total Mortgage Loan Application Amount | $99,840,000 |
| Average Mortgage Loan Application Amount | $222,857 |
| Highest Mortgage Loan Application Amount | $975,000 |
| Average Applicant Income | $128,198 |
| Highest Applicant Income | $2,039,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Ventura, California | 98 | $ 19,570,000 | $ 199,693 | $ 102,000 |
| Santa Barbara, California | 87 | $ 19,885,000 | $ 228,563 | $ 132,000 |
| Santa Clara, California | 83 | $ 18,315,000 | $ 220,662 | $ 124,000 |
| Los Angeles, California | 43 | $ 13,775,000 | $ 320,348 | $ 218,000 |
| San Diego, California | 41 | $ 6,995,000 | $ 170,609 | $ 85,000 |
| San Luis Obispo, California | 34 | $ 7,890,000 | $ 232,058 | $ 135,000 |
| Orange, California | 25 | $ 6,715,000 | $ 268,600 | $ 170,000 |
| Santa Cruz, California | 11 | $ 3,155,000 | $ 286,818 | $ 135,000 |
| Alameda, California | 9 | $ 1,555,000 | $ 172,777 | $ 87,000 |
| Contra Costa, California | 4 | $ 790,000 | $ 197,500 | $ 78,000 |
| San Bernardino, California | 3 | $ 235,000 | $ 78,333 | $ 66,000 |
| San Mateo, California | 3 | $ 355,000 | $ 118,333 | $ 158,000 |
| Calaveras, California | 1 | $ 105,000 | $ 105,000 | $ 32,000 |
| El Dorado, California | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
| Riverside, California | 1 | $ 65,000 | $ 65,000 | $ 51,000 |
| Sacramento, California | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| San Benito, California | 1 | $ 195,000 | $ 195,000 | $ 71,000 |
| Tehama, California | 1 | $ 85,000 | $ 85,000 | $ 54,000 |
| Tulare, California | 1 | $ 65,000 | $ 65,000 | $ 434,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2022
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 | 335 | $78,895,000 | $235,000 | $975,000 | $133,000 | $2,039,000 |
| Cash-out Refinancing | 57 | $10,095,000 | $177,000 | $785,000 | $110,000 | $484,000 |
| Refinancing | 56 | $10,850,000 | $193,000 | $555,000 | $118,000 | $1,100,000 |
| 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 | 273 | $60,065,000 | $220,000 | $785,000 | $127,000 | $1,200,000 |
| Hispanic | 86 | $18,950,000 | $220,000 | $455,000 | $129,000 | $2,039,000 |
| Not Provided | 39 | $10,665,000 | $273,000 | $975,000 | $155,000 | $893,000 |
| Asian | 35 | $6,835,000 | $195,000 | $325,000 | $101,000 | $290,000 |
| American Indian or Alaskan Native | 8 | $1,830,000 | $228,000 | $385,000 | $198,000 | $719,000 |
| Black or African American | 4 | $960,000 | $240,000 | $405,000 | $118,000 | $188,000 |
| 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) | 448 | $99,840,000 | $222,000 | $975,000 | $128,000 | $2,039,000 |
| 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 | 284 | $66,790,000 | $235,000 | $975,000 | $127,000 | $1,030,000 |
| Application Withdrawn By Applicant | 84 | $18,120,000 | $215,000 | $705,000 | $143,000 | $1,200,000 |
| Application Denied By Financial Institution | 70 | $12,970,000 | $185,000 | $455,000 | $119,000 | $2,039,000 |
| Application Approved But Not Accepted | 10 | $1,960,000 | $196,000 | $405,000 | $107,000 | $235,000 |
| 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 | 378 | $86,870,000 | $229,000 | $975,000 | $130,000 | $1,200,000 |
| Debt-To-Income Ratio | 30 | $6,170,000 | $205,000 | $455,000 | $65,000 | $206,000 |
| Collateral | 22 | $3,400,000 | $154,000 | $285,000 | $115,000 | $434,000 |
| Credit History | 11 | $2,135,000 | $194,000 | $315,000 | $113,000 | $278,000 |
| Other | 6 | $1,000,000 | $166,000 | $345,000 | $398,000 | $2,039,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $208,000 | $208,000 |
| Credit Application Incomplete | 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 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community West Bank, A California Banking Corporation's 2022 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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