Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2021
In 2021, Community West Bank, A California Banking Corporation of Fresno, CA reported 516 mortgage applications totaling $104.3 million, down 9% from 2020. The average application was for $202,209, and applicants reported an average income of $133,410. 65% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Oxnard-Thousand Oaks-Ventura, CA (119), Santa Maria-Santa Barbara, CA (109) and San Jose-Sunnyvale-Santa Clara, CA (89) (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 | 516 |
| Total Mortgage Loan Application Amount | $104,340,000 |
| Average Mortgage Loan Application Amount | $202,209 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $133,410 |
| Highest Applicant Income | $5,327,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Oxnard-Thousand Oaks-Ventura, CA | 119 | $ 20,565,000 | $ 172,815 | $ 101,000 |
| Santa Maria-Santa Barbara, CA | 109 | $ 20,765,000 | $ 190,504 | $ 99,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 89 | $ 17,995,000 | $ 202,191 | $ 127,000 |
| Los Angeles-Long Beach-Glendale, CA | 51 | $ 18,625,000 | $ 365,196 | $ 406,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 44 | $ 7,290,000 | $ 165,681 | $ 97,000 |
| San Diego-Carlsbad, CA | 34 | $ 4,440,000 | $ 130,588 | $ 73,000 |
| Anaheim-Santa Ana-Irvine, CA | 31 | $ 7,895,000 | $ 254,677 | $ 123,000 |
| Oakland-Hayward-Berkeley, CA | 13 | $ 2,105,000 | $ 161,923 | $ 96,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 2,035,000 | $ 226,111 | $ 94,000 |
| San Francisco-Redwood City-South San Francisco, CA | 7 | $ 1,605,000 | $ 229,285 | $ 113,000 |
| Riverside-San Bernardino-Ontario, CA | 5 | $ 435,000 | $ 87,000 | $ 79,000 |
| Vallejo-Fairfield, CA | 2 | $ 180,000 | $ 90,000 | $ 57,000 |
| Bakersfield, CA | 1 | $ 145,000 | $ 145,000 | $ 52,000 |
| Madera, CA | 1 | $ 105,000 | $ 105,000 | $ 81,000 |
| Outside any metro area | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2021
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 | 402 | $84,460,000 | $210,000 | $905,000 | $128,000 | $3,700,000 |
| Refinancing | 83 | $14,245,000 | $171,000 | $995,000 | $103,000 | $900,000 |
| Cash-out Refinancing | 31 | $5,635,000 | $181,000 | $1,005,000 | $285,000 | $5,327,000 |
| 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 | 316 | $64,610,000 | $204,000 | $1,005,000 | $153,000 | $5,327,000 |
| Hispanic | 85 | $16,165,000 | $190,000 | $525,000 | $91,000 | $250,000 |
| Asian | 58 | $11,820,000 | $203,000 | $355,000 | $117,000 | $600,000 |
| Not Provided | 42 | $8,760,000 | $208,000 | $685,000 | $110,000 | $296,000 |
| Black or African American | 7 | $1,105,000 | $157,000 | $235,000 | $119,000 | $242,000 |
| American Indian or Alaskan Native | 5 | $1,015,000 | $203,000 | $365,000 | $97,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $560,000 | $280,000 | $395,000 | $95,000 | $116,000 |
| 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) | 516 | $104,340,000 | $202,000 | $1,005,000 | $134,000 | $5,327,000 |
| 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 | 334 | $68,280,000 | $204,000 | $1,005,000 | $149,000 | $5,327,000 |
| Application Withdrawn By Applicant | 87 | $18,815,000 | $216,000 | $995,000 | $124,000 | $900,000 |
| Application Denied By Financial Institution | 76 | $12,860,000 | $169,000 | $405,000 | $73,000 | $352,000 |
| Application Approved But Not Accepted | 19 | $4,385,000 | $230,000 | $405,000 | $144,000 | $673,000 |
| 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 | 440 | $91,480,000 | $207,000 | $1,005,000 | $144,000 | $5,327,000 |
| Debt-To-Income Ratio | 43 | $7,535,000 | $175,000 | $405,000 | $59,000 | $199,000 |
| Collateral | 15 | $1,905,000 | $127,000 | $235,000 | $83,000 | $162,000 |
| Other | 8 | $1,780,000 | $222,000 | $355,000 | $86,000 | $153,000 |
| Credit History | 7 | $995,000 | $142,000 | $225,000 | $107,000 | $352,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $380,000 | $190,000 | $195,000 | $96,000 | $111,000 |
| Unverifiable Information | 1 | $265,000 | $265,000 | $265,000 | $113,000 | $113,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community West Bank, A California Banking Corporation's 2021 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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