Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2006
In 2006, Community West Bank, A California Banking Corporation of Fresno, CA reported 1,169 mortgage applications totaling $158.7 million, up 9% from 2005. The average application was for $135,730, and applicants reported an average income of $71,823. 54% of its applications resulted in an originated loan and 31% were denied. Its largest markets were Sacramento--Arden-Arcade--Roseville, CA (247), Santa Barbara-Santa Maria, CA (226) and Oxnard-Thousand Oaks-Ventura, CA (165) (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 | 1,169 |
| Total Mortgage Loan Application Amount | $158,669,000 |
| Average Mortgage Loan Application Amount | $135,730 |
| Highest Mortgage Loan Application Amount | $1,427,000 |
| Average Applicant Income | $71,823 |
| Highest Applicant Income | $1,200,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sacramento--Arden-Arcade--Roseville, CA | 247 | $ 16,237,000 | $ 65,736 | $ 31,000 |
| Santa Barbara-Santa Maria, CA | 226 | $ 40,773,000 | $ 180,411 | $ 79,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 165 | $ 30,394,000 | $ 184,206 | $ 97,000 |
| Los Angeles-Long Beach-Glendale, CA | 140 | $ 29,186,000 | $ 208,471 | $ 140,000 |
| Oakland-Fremont-Hayward, CA | 85 | $ 6,178,000 | $ 72,682 | $ 45,000 |
| San Diego-Carlsbad-San Marcos, CA | 38 | $ 3,541,000 | $ 93,184 | $ 70,000 |
| Santa Ana-Anaheim-Irvine, CA | 38 | $ 5,756,000 | $ 151,473 | $ 92,000 |
| San Luis Obispo-Paso Robles, CA | 37 | $ 6,707,000 | $ 181,270 | $ 108,000 |
| Napa, CA | 33 | $ 2,778,000 | $ 84,181 | $ 37,000 |
| Vallejo-Fairfield, CA | 32 | $ 2,188,000 | $ 68,375 | $ 37,000 |
| San Francisco-San Mateo-Redwood City, CA | 20 | $ 2,042,000 | $ 102,100 | $ 37,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 19 | $ 1,873,000 | $ 98,578 | $ 32,000 |
| Santa Rosa-Petaluma, CA | 17 | $ 1,283,000 | $ 75,470 | $ 27,000 |
| Yuba City, CA | 16 | $ 828,000 | $ 51,750 | $ 26,000 |
| Riverside-San Bernardino-Ontario, CA | 9 | $ 2,039,000 | $ 226,555 | $ 97,000 |
| Chico, CA | 7 | $ 524,000 | $ 74,857 | $ 30,000 |
| Santa Cruz-Watsonville, CA | 6 | $ 1,008,000 | $ 168,000 | $ 55,000 |
| Bakersfield, CA | 3 | $ 542,000 | $ 180,666 | $ 73,000 |
| Redding, CA | 3 | $ 1,022,000 | $ 340,666 | $ 242,000 |
| Honolulu, HI | 2 | $ 1,048,000 | $ 524,000 | $ 138,000 |
| Stockton, CA | 2 | $ 358,000 | $ 179,000 | $ 86,000 |
| Boulder, CO | 1 | $ 250,000 | $ 250,000 | $ 63,000 |
| Carson City, NV | 1 | $ 299,000 | $ 299,000 | $ 177,000 |
| Denver-Aurora, CO | 1 | $ 40,000 | $ 40,000 | $ 100,000 |
| Las Vegas-Paradise, NV | 1 | $ 341,000 | $ 341,000 | $ 135,000 |
| Reno-Sparks, NV | 1 | $ 65,000 | $ 65,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation 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 |
|---|---|---|---|---|---|---|
| Refinancing | 766 | $100,204,000 | $130,000 | $1,400,000 | $57,000 | $521,000 |
| Home Purchase | 403 | $58,465,000 | $145,000 | $1,427,000 | $100,000 | $1,200,000 |
| 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 | 668 | $101,906,000 | $152,000 | $1,427,000 | $91,000 | $1,200,000 |
| Not Provided | 273 | $22,234,000 | $81,000 | $524,000 | $25,000 | $242,000 |
| Hispanic | 192 | $29,609,000 | $154,000 | $750,000 | $65,000 | $270,000 |
| Black or African American | 15 | $1,648,000 | $109,000 | $212,000 | $67,000 | $203,000 |
| Asian | 9 | $1,196,000 | $132,000 | $240,000 | $97,000 | $257,000 |
| American Indian or Alaskan Native | 5 | $869,000 | $173,000 | $324,000 | $167,000 | $428,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $751,000 | $150,000 | $340,000 | $73,000 | $109,000 |
| Not applicable | 2 | $456,000 | $228,000 | $250,000 | $531,000 | $726,000 |
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) | 1,169 | $158,669,000 | $135,000 | $1,427,000 | $72,000 | $1,200,000 |
| 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 | 636 | $97,552,000 | $153,000 | $1,400,000 | $90,000 | $1,200,000 |
| Application Denied By Financial Institution | 364 | $36,861,000 | $101,000 | $1,427,000 | $31,000 | $577,000 |
| Application Approved But Not Accepted | 92 | $13,538,000 | $147,000 | $815,000 | $97,000 | $967,000 |
| Application Withdrawn By Applicant | 77 | $10,718,000 | $139,000 | $748,000 | $84,000 | $374,000 |
| 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 |
|---|---|---|---|---|---|---|
| Other | 174 | $17,152,000 | $98,000 | $880,000 | $19,000 | $264,000 |
| Credit History | 79 | $5,917,000 | $74,000 | $447,000 | $24,000 | $151,000 |
| Debt-To-Income Ratio | 55 | $5,978,000 | $108,000 | $456,000 | $48,000 | $180,000 |
| Collateral | 37 | $3,852,000 | $104,000 | $550,000 | $49,000 | $313,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 12 | $2,742,000 | $228,000 | $1,427,000 | $103,000 | $577,000 |
| Employment History | 4 | $645,000 | $161,000 | $356,000 | $46,000 | $135,000 |
| Unverifiable Information | 3 | $575,000 | $191,000 | $304,000 | $84,000 | $126,000 |
| Mortgage Insurance Denied | 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 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 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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