Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2004
In 2004, Community West Bank, A California Banking Corporation of Fresno, CA reported 1,074 mortgage applications totaling $217.4 million, down 19% from 2003. The average application was for $202,437, and applicants reported an average income of $86,859. 54% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (513), Oxnard-Thousand Oaks-Ventura, CA (213) and Los Angeles-Long Beach-Glendale, CA (127) (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 | 1,074 |
| Total Mortgage Loan Application Amount | $217,418,000 |
| Average Mortgage Loan Application Amount | $202,437 |
| Highest Mortgage Loan Application Amount | $1,575,000 |
| Average Applicant Income | $86,859 |
| Highest Applicant Income | $3,556,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2004
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 | 554 | $91,820,000 | $198,666 | $1,575,000 | $139,000 | $3,556,000 |
| Refinancing | 520 | $125,598,000 | $175,000 | $1,500,000 | $47,000 | $2,753,000 |
| 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 | 761 | $155,658,000 | $179,400 | $1,500,000 | $106,000 | $3,556,000 |
| Hispanic | 216 | $33,790,000 | $176,000 | $840,000 | $28,500 | $384,000 |
| Not Provided | 37 | $10,308,000 | $278,000 | $858,000 | $87,000 | $284,000 |
| Asian | 29 | $7,727,000 | $266,000 | $975,000 | $124,000 | $524,000 |
| Black or African American | 18 | $4,584,000 | $254,000 | $618,000 | $76,000 | $252,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $1,245,000 | $177,000 | $490,000 | $97,000 | $282,000 |
| American Indian or Alaskan Native | 4 | $1,031,000 | $257,000 | $450,000 | $50,000 | $138,000 |
| Not applicable | 2 | $3,075,000 | $1,537,000 | $1,575,000 | $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) | 1,074 | $217,418,000 | $181,833 | $1,575,000 | $86,333 | $3,556,000 |
| 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 | 583 | $114,314,000 | $170,000 | $1,575,000 | $86,000 | $3,556,000 |
| Application Denied By Financial Institution | 211 | $39,639,000 | $170,200 | $1,500,000 | $86,400 | $614,000 |
| Application Withdrawn By Applicant | 184 | $39,417,000 | $193,000 | $950,000 | $74,500 | $2,753,000 |
| Application Approved But Not Accepted | 96 | $24,048,000 | $250,000 | $1,000,000 | $94,000 | $600,000 |
| 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 | 94 | $13,603,000 | $144,000 | $780,000 | $55,000 | $480,000 |
| Other | 49 | $13,360,000 | $235,000 | $1,500,000 | $29,000 | $614,000 |
| Debt-To-Income Ratio | 35 | $5,546,000 | $158,000 | $792,000 | $78,000 | $191,000 |
| Collateral | 22 | $4,829,000 | $174,000 | $1,300,000 | $118,250 | $562,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,262,000 | $252,000 | $464,000 | $93,000 | $144,000 |
| Employment History | 4 | $675,000 | $168,000 | $285,000 | $55,000 | $144,000 |
| Unverifiable Information | 2 | $364,000 | $182,000 | $279,000 | $39,000 | $78,000 |
| 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 2004 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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