Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2003
In 2003, Community West Bank, A California Banking Corporation of Fresno, CA reported 1,320 mortgage applications totaling $304.1 million. The average application was for $230,399, and applicants reported an average income of $81,781. 66% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Santa Barbara-Santa Maria-Lompoc, CA (798), Ventura, CA (283) and Los Angeles-Long Beach, CA (75) (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 | 1,320 |
| Total Mortgage Loan Application Amount | $304,127,000 |
| Average Mortgage Loan Application Amount | $230,399 |
| Highest Mortgage Loan Application Amount | $3,200,000 |
| Average Applicant Income | $81,781 |
| Highest Applicant Income | $824,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for Community West Bank, A California Banking Corporation in 2003
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 (home purchase or home improvement, one-to-four family) | 952 | $237,922,000 | $156,333 | $1,300,000 | $114,500 | $824,000 |
| Home Purchase (one-to-four family) | 367 | $66,180,000 | $120,000 | $3,200,000 | $63,500 | $738,000 |
| Home Improvement (one-to-four family) | 1 | $25,000 | $25,000 | $25,000 | $0 | $0 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 | 903 | $226,030,000 | $150,800 | $3,200,000 | $110,000 | $824,000 |
| Hispanic | 263 | $44,504,000 | $114,500 | $821,000 | $56,000 | $463,000 |
| Information not provided by applicant in mail or telephone application | 83 | $15,986,000 | $188,500 | $710,000 | $112,500 | $648,000 |
| Asian or Pacific Islander | 38 | $8,422,000 | $221,000 | $1,000,000 | $71,000 | $229,000 |
| Other | 18 | $6,056,000 | $336,000 | $1,010,000 | $117,000 | $280,000 |
| Black | 13 | $2,690,000 | $206,000 | $575,000 | $54,000 | $195,000 |
| American Indian or Alaskan Native | 2 | $439,000 | $219,000 | $288,000 | $53,000 | $54,000 |
| 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) | 1,318 | $303,827,000 | $149,666 | $3,200,000 | $114,666 | $824,000 |
| FHA-insured (Federal Housing Administration) | 2 | $300,000 | $150,000 | $202,000 | $40,000 | $41,000 |
| 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 | 866 | $193,224,000 | $140,750 | $1,300,000 | $73,500 | $824,000 |
| Application Denied By Financial Institution | 200 | $47,608,000 | $182,333 | $3,200,000 | $84,333 | $684,000 |
| Application Withdrawn By Applicant | 182 | $45,058,000 | $175,000 | $1,010,000 | $175,500 | $541,000 |
| Application Approved But Not Accepted | 72 | $18,237,000 | $253,000 | $1,000,000 | $98,000 | $426,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 65 | $15,853,000 | $181,000 | $3,200,000 | $68,000 | $648,000 |
| Other | 54 | $14,407,000 | $266,000 | $2,150,000 | $67,000 | $684,000 |
| Collateral | 36 | $7,522,000 | $208,000 | $762,000 | $63,000 | $491,000 |
| Debt-To-Income Ratio | 24 | $4,898,000 | $194,500 | $650,000 | $105,000 | $203,000 |
| Credit Application Incomplete | 14 | $3,618,000 | $258,000 | $600,000 | $68,000 | $207,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $917,000 | $229,000 | $700,000 | $129,000 | $300,000 |
| Unverifiable Information | 2 | $263,000 | $131,000 | $198,000 | $48,000 | $66,000 |
| Employment History | 1 | $130,000 | $130,000 | $130,000 | $17,000 | $17,000 |
| 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 2003 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.
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