Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2005
In 2005, Community West Bank, A California Banking Corporation of Fresno, CA reported 1,069 mortgage applications totaling $200.6 million, about the same as 2004. The average application was for $187,625, and applicants reported an average income of $84,377. 58% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (339), Oxnard-Thousand Oaks-Ventura, CA (192) and Los Angeles-Long Beach-Glendale, CA (155) (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 | 1,069 |
| Total Mortgage Loan Application Amount | $200,572,000 |
| Average Mortgage Loan Application Amount | $187,625 |
| Highest Mortgage Loan Application Amount | $2,500,000 |
| Average Applicant Income | $84,377 |
| Highest Applicant Income | $3,000,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2005
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 | 584 | $119,939,000 | $236,666 | $2,500,000 | $1,024,333 | $3,000,000 |
| Home Purchase | 485 | $80,633,000 | $192,000 | $1,500,000 | $101,500 | $1,046,000 |
| 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 | 687 | $139,979,000 | $233,333 | $2,500,000 | $1,044,333 | $3,000,000 |
| Hispanic | 212 | $34,256,000 | $143,000 | $1,295,000 | $71,500 | $297,000 |
| Not Provided | 110 | $14,483,000 | $228,500 | $1,427,000 | $114,500 | $831,000 |
| Asian | 29 | $6,395,000 | $220,000 | $800,000 | $78,000 | $334,000 |
| Black or African American | 17 | $3,386,000 | $199,000 | $514,000 | $78,000 | $183,000 |
| American Indian or Alaskan Native | 9 | $1,315,000 | $146,000 | $619,000 | $93,000 | $370,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $758,000 | $151,000 | $288,000 | $40,000 | $62,000 |
| 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) | 1,069 | $200,572,000 | $227,400 | $2,500,000 | $670,400 | $3,000,000 |
| 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 | 619 | $119,777,000 | $234,666 | $2,500,000 | $1,043,333 | $3,000,000 |
| Application Denied By Financial Institution | 233 | $34,230,000 | $146,000 | $1,427,000 | $65,000 | $831,000 |
| Application Approved But Not Accepted | 129 | $23,918,000 | $185,000 | $1,350,000 | $96,000 | $3,000,000 |
| Application Withdrawn By Applicant | 88 | $22,647,000 | $260,750 | $1,825,000 | $828,000 | $3,000,000 |
| 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 | 99 | $12,235,000 | $123,000 | $1,000,000 | $41,000 | $288,000 |
| Other | 56 | $7,685,000 | $137,000 | $1,427,000 | $91,000 | $831,000 |
| Debt-To-Income Ratio | 46 | $5,293,000 | $115,000 | $408,000 | $40,000 | $107,000 |
| Collateral | 15 | $4,167,000 | $277,000 | $1,235,000 | $106,000 | $276,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,497,000 | $166,000 | $440,000 | $37,000 | $95,000 |
| Unverifiable Information | 3 | $1,404,000 | $468,000 | $1,295,000 | $114,000 | $297,000 |
| Credit Application Incomplete | 3 | $1,682,000 | $560,000 | $1,208,000 | $335,000 | $457,000 |
| Employment History | 2 | $267,000 | $133,000 | $144,000 | $17,000 | $34,000 |
| 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 2005 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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