Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2008
In 2008, Community West Bank, A California Banking Corporation of Fresno, CA reported 937 mortgage applications totaling $177.4 million, down 11% from 2007. The average application was for $189,363, and applicants reported an average income of $92,875. 52% of its applications resulted in an originated loan and 37% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (239), Oxnard-Thousand Oaks-Ventura, CA (139) and San Jose-Sunnyvale-Santa Clara, CA (99) (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 | 937 |
| Total Mortgage Loan Application Amount | $177,434,000 |
| Average Mortgage Loan Application Amount | $189,363 |
| Highest Mortgage Loan Application Amount | $3,500,000 |
| Average Applicant Income | $92,875 |
| Highest Applicant Income | $5,797,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 239 | $ 62,102,000 | $ 259,841 | $ 97,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 139 | $ 29,130,000 | $ 209,568 | $ 95,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 99 | $ 8,877,000 | $ 89,666 | $ 42,000 |
| Los Angeles-Long Beach-Glendale, CA | 95 | $ 26,550,000 | $ 279,473 | $ 224,000 |
| San Luis Obispo-Paso Robles, CA | 82 | $ 19,747,000 | $ 240,817 | $ 115,000 |
| Oakland-Fremont-Hayward, CA | 60 | $ 3,902,000 | $ 65,033 | $ 36,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 40 | $ 2,998,000 | $ 74,950 | $ 32,000 |
| Santa Ana-Anaheim-Irvine, CA | 23 | $ 4,412,000 | $ 191,826 | $ 111,000 |
| San Francisco-San Mateo-Redwood City, CA | 22 | $ 2,238,000 | $ 101,727 | $ 40,000 |
| Santa Rosa-Petaluma, CA | 20 | $ 1,637,000 | $ 81,850 | $ 44,000 |
| Napa, CA | 15 | $ 1,106,000 | $ 73,733 | $ 19,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 2,093,000 | $ 139,533 | $ 45,000 |
| Salinas, CA | 12 | $ 2,090,000 | $ 174,166 | $ 45,000 |
| Vallejo-Fairfield, CA | 11 | $ 789,000 | $ 71,727 | $ 36,000 |
| San Diego-Carlsbad-San Marcos, CA | 10 | $ 2,304,000 | $ 230,400 | $ 90,000 |
| Chico, CA | 6 | $ 303,000 | $ 50,500 | $ 23,000 |
| Fresno, CA | 6 | $ 995,000 | $ 165,833 | $ 84,000 |
| Yuba City, CA | 5 | $ 240,000 | $ 48,000 | $ 26,000 |
| Redding, CA | 3 | $ 143,000 | $ 47,666 | $ 37,000 |
| Riverside-San Bernardino-Ontario, CA | 3 | $ 695,000 | $ 231,666 | $ 83,000 |
| Bakersfield, CA | 2 | $ 232,000 | $ 116,000 | $ 185,000 |
| Las Vegas-Paradise, NV | 2 | $ 440,000 | $ 220,000 | $ 227,000 |
| Modesto, CA | 2 | $ 100,000 | $ 50,000 | $ 49,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 388,000 | $ 194,000 | $ 173,000 |
| Stockton, CA | 2 | $ 113,000 | $ 56,500 | $ 14,000 |
| Boise City-Nampa, ID | 1 | $ 367,000 | $ 367,000 | $ 139,000 |
| Boulder, CO | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Lawrence, KS | 1 | $ 180,000 | $ 180,000 | $ 78,000 |
| Madera, CA | 1 | $ 169,000 | $ 169,000 | $ 87,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 194,000 | $ 194,000 | $ 48,000 |
| Reno-Sparks, NV | 1 | $ 150,000 | $ 150,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2008
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 | 560 | $104,867,000 | $187,000 | $3,500,000 | $80,000 | $2,400,000 |
| Home Purchase | 377 | $72,567,000 | $192,000 | $2,618,000 | $112,000 | $5,797,000 |
| 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 | 635 | $130,540,000 | $205,000 | $3,500,000 | $102,000 | $5,797,000 |
| Not Provided | 135 | $18,104,000 | $134,000 | $1,000,000 | $82,000 | $2,400,000 |
| Hispanic | 129 | $22,382,000 | $173,000 | $1,000,000 | $62,000 | $339,000 |
| Asian | 29 | $4,795,000 | $165,000 | $750,000 | $84,000 | $325,000 |
| Black or African American | 7 | $1,174,000 | $167,000 | $485,000 | $60,000 | $111,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $389,000 | $389,000 | $389,000 | $117,000 | $117,000 |
| American Indian or Alaskan Native | 1 | $50,000 | $50,000 | $50,000 | $52,000 | $52,000 |
| 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) | 937 | $177,434,000 | $189,000 | $3,500,000 | $93,000 | $5,797,000 |
| 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 | 484 | $90,993,000 | $188,000 | $1,495,000 | $117,000 | $5,797,000 |
| Application Denied By Financial Institution | 344 | $63,580,000 | $184,000 | $3,500,000 | $57,000 | $2,400,000 |
| Application Withdrawn By Applicant | 68 | $12,473,000 | $183,000 | $940,000 | $97,000 | $1,448,000 |
| Application Approved But Not Accepted | 41 | $10,388,000 | $253,000 | $543,000 | $108,000 | $323,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 152 | $16,221,000 | $106,000 | $506,000 | $14,000 | $276,000 |
| Collateral | 88 | $20,822,000 | $236,000 | $2,618,000 | $106,000 | $2,400,000 |
| Debt-To-Income Ratio | 65 | $13,215,000 | $203,000 | $1,240,000 | $57,000 | $199,000 |
| Other | 12 | $2,591,000 | $215,000 | $600,000 | $55,000 | $171,000 |
| Unverifiable Information | 12 | $3,510,000 | $292,000 | $1,000,000 | $95,000 | $330,000 |
| Credit Application Incomplete | 5 | $1,921,000 | $384,000 | $896,000 | $154,000 | $362,000 |
| Employment History | 5 | $606,000 | $121,000 | $200,000 | $70,000 | $191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $4,694,000 | $938,000 | $3,500,000 | $300,000 | $1,200,000 |
| 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 2008 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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