Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2007
In 2007, Community West Bank, A California Banking Corporation of Fresno, CA reported 1,051 mortgage applications totaling $153.4 million, down 10% from 2006. The average application was for $145,942, and applicants reported an average income of $79,767. 52% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (204), Oxnard-Thousand Oaks-Ventura, CA (168) and Los Angeles-Long Beach-Glendale, CA (110) (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 | 1,051 |
| Total Mortgage Loan Application Amount | $153,386,000 |
| Average Mortgage Loan Application Amount | $145,942 |
| Highest Mortgage Loan Application Amount | $1,440,000 |
| Average Applicant Income | $79,767 |
| Highest Applicant Income | $1,823,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Santa Barbara-Santa Maria-Goleta, CA | 204 | $ 37,716,000 | $ 184,882 | $ 98,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 168 | $ 31,852,000 | $ 189,595 | $ 102,000 |
| Los Angeles-Long Beach-Glendale, CA | 110 | $ 29,918,000 | $ 271,981 | $ 184,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 101 | $ 8,280,000 | $ 81,980 | $ 28,000 |
| Oakland-Fremont-Hayward, CA | 96 | $ 6,340,000 | $ 66,041 | $ 35,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 86 | $ 5,456,000 | $ 63,441 | $ 34,000 |
| San Luis Obispo-Paso Robles, CA | 52 | $ 9,212,000 | $ 177,153 | $ 97,000 |
| Santa Cruz-Watsonville, CA | 22 | $ 2,555,000 | $ 116,136 | $ 55,000 |
| Vallejo-Fairfield, CA | 22 | $ 1,406,000 | $ 63,909 | $ 44,000 |
| Napa, CA | 21 | $ 1,840,000 | $ 87,619 | $ 54,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 1,333,000 | $ 66,650 | $ 34,000 |
| San Francisco-San Mateo-Redwood City, CA | 18 | $ 2,132,000 | $ 118,444 | $ 68,000 |
| San Diego-Carlsbad-San Marcos, CA | 17 | $ 2,566,000 | $ 150,941 | $ 96,000 |
| Modesto, CA | 16 | $ 1,191,000 | $ 74,437 | $ 23,000 |
| Bakersfield, CA | 13 | $ 2,684,000 | $ 206,461 | $ 117,000 |
| Redding, CA | 12 | $ 676,000 | $ 56,333 | $ 14,000 |
| Santa Ana-Anaheim-Irvine, CA | 11 | $ 1,647,000 | $ 149,727 | $ 94,000 |
| Chico, CA | 7 | $ 390,000 | $ 55,714 | $ 26,000 |
| Salinas, CA | 7 | $ 1,368,000 | $ 195,428 | $ 46,000 |
| Yuba City, CA | 6 | $ 342,000 | $ 57,000 | $ 15,000 |
| Fresno, CA | 5 | $ 245,000 | $ 49,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 4 | $ 486,000 | $ 121,500 | $ 73,000 |
| Visalia-Porterville, CA | 3 | $ 381,000 | $ 127,000 | $ 47,000 |
| Stockton, CA | 2 | $ 100,000 | $ 50,000 | $ 65,000 |
| Lake Havasu City-Kingman, AZ | 1 | $ 80,000 | $ 80,000 | $ 130,000 |
| Las Vegas-Paradise, NV | 1 | $ 196,000 | $ 196,000 | $ 108,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 163,000 | $ 163,000 | $ 0 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2007
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 | 697 | $94,417,000 | $135,000 | $1,061,000 | $70,000 | $1,752,000 |
| Home Purchase | 354 | $58,969,000 | $166,000 | $1,440,000 | $99,000 | $1,823,000 |
| 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 | 722 | $110,623,000 | $153,000 | $1,440,000 | $90,000 | $1,823,000 |
| Hispanic | 157 | $25,243,000 | $160,000 | $750,000 | $66,000 | $205,000 |
| Not Provided | 141 | $13,232,000 | $93,000 | $750,000 | $42,000 | $1,388,000 |
| Asian | 18 | $2,283,000 | $126,000 | $500,000 | $79,000 | $333,000 |
| Black or African American | 6 | $960,000 | $160,000 | $560,000 | $77,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $651,000 | $162,000 | $180,000 | $71,000 | $106,000 |
| American Indian or Alaskan Native | 3 | $394,000 | $131,000 | $242,000 | $238,000 | $476,000 |
| 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) | 1,051 | $153,386,000 | $145,000 | $1,440,000 | $80,000 | $1,823,000 |
| 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 | 544 | $85,271,000 | $156,000 | $1,440,000 | $97,000 | $1,823,000 |
| Application Denied By Financial Institution | 387 | $45,883,000 | $118,000 | $1,061,000 | $41,000 | $1,752,000 |
| Application Withdrawn By Applicant | 66 | $9,541,000 | $144,000 | $600,000 | $115,000 | $900,000 |
| Application Approved But Not Accepted | 54 | $12,691,000 | $235,000 | $1,211,000 | $150,000 | $1,721,000 |
| 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 | 180 | $17,767,000 | $98,000 | $750,000 | $12,000 | $150,000 |
| Credit History | 76 | $7,520,000 | $98,000 | $700,000 | $22,000 | $216,000 |
| Debt-To-Income Ratio | 74 | $8,996,000 | $121,000 | $688,000 | $56,000 | $384,000 |
| Collateral | 32 | $5,732,000 | $179,000 | $780,000 | $190,000 | $1,752,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $2,197,000 | $219,000 | $881,000 | $51,000 | $261,000 |
| Employment History | 7 | $1,306,000 | $186,000 | $415,000 | $59,000 | $120,000 |
| Unverifiable Information | 6 | $1,735,000 | $289,000 | $1,061,000 | $102,000 | $292,000 |
| Credit Application Incomplete | 2 | $630,000 | $315,000 | $560,000 | $192,000 | $192,000 |
| 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 2007 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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