Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2009
In 2009, Community West Bank, A California Banking Corporation of Fresno, CA reported 924 mortgage applications totaling $209.4 million, down 1% from 2008. The average application was for $226,661, and applicants reported an average income of $109,512. 64% of its applications resulted in an originated loan and 22% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (318), Oxnard-Thousand Oaks-Ventura, CA (172) and San Jose-Sunnyvale-Santa Clara, CA (96) (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 | 924 |
| Total Mortgage Loan Application Amount | $209,435,000 |
| Average Mortgage Loan Application Amount | $226,661 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $109,512 |
| Highest Applicant Income | $4,544,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2009
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 | 591 | $150,122,000 | $254,000 | $900,000 | $116,000 | $4,544,000 |
| Home Purchase | 333 | $59,313,000 | $178,000 | $840,000 | $98,000 | $563,000 |
| 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 | 724 | $172,774,000 | $238,000 | $900,000 | $119,000 | $4,544,000 |
| Not Provided | 87 | $16,468,000 | $189,000 | $725,000 | $81,000 | $307,000 |
| Hispanic | 78 | $12,153,000 | $155,000 | $446,000 | $60,000 | $195,000 |
| Asian | 26 | $6,663,000 | $256,000 | $729,000 | $106,000 | $301,000 |
| Black or African American | 4 | $757,000 | $189,000 | $336,000 | $64,000 | $85,000 |
| American Indian or Alaskan Native | 3 | $404,000 | $134,000 | $298,000 | $54,000 | $82,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $216,000 | $108,000 | $158,000 | $53,000 | $74,000 |
| 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) | 924 | $209,435,000 | $226,000 | $900,000 | $110,000 | $4,544,000 |
| 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 | 587 | $136,802,000 | $233,000 | $803,000 | $108,000 | $966,000 |
| Application Denied By Financial Institution | 205 | $37,110,000 | $181,000 | $900,000 | $84,000 | $4,341,000 |
| Application Withdrawn By Applicant | 74 | $16,321,000 | $220,000 | $740,000 | $172,000 | $4,544,000 |
| Application Approved But Not Accepted | 56 | $18,352,000 | $327,000 | $692,000 | $130,000 | $477,000 |
| File Closed For Incompleteness | 2 | $850,000 | $425,000 | $480,000 | $177,000 | $210,000 |
| 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 | 75 | $8,002,000 | $106,000 | $840,000 | $30,000 | $240,000 |
| Debt-To-Income Ratio | 61 | $14,390,000 | $235,000 | $625,000 | $84,000 | $1,620,000 |
| Collateral | 38 | $6,829,000 | $179,000 | $557,000 | $76,000 | $215,000 |
| Other | 11 | $1,555,000 | $141,000 | $312,000 | $68,000 | $274,000 |
| Employment History | 7 | $866,000 | $123,000 | $302,000 | $43,000 | $87,000 |
| Unverifiable Information | 6 | $3,154,000 | $525,000 | $900,000 | $180,000 | $453,000 |
| Credit Application Incomplete | 5 | $2,060,000 | $412,000 | $626,000 | $955,000 | $4,341,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $254,000 | $127,000 | $151,000 | $75,000 | $112,000 |
| 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 2009 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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