Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2010
In 2010, Community West Bank, A California Banking Corporation of Fresno, CA reported 759 mortgage applications totaling $160.0 million, down 18% from 2009. The average application was for $210,740, and applicants reported an average income of $105,039. 65% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (272), Oxnard-Thousand Oaks-Ventura, CA (124) and San Jose-Sunnyvale-Santa Clara, CA (77) (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 | 759 |
| Total Mortgage Loan Application Amount | $159,952,000 |
| Average Mortgage Loan Application Amount | $210,740 |
| Highest Mortgage Loan Application Amount | $1,215,000 |
| Average Applicant Income | $105,039 |
| Highest Applicant Income | $937,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010
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 | 441 | $109,941,000 | $249,000 | $1,215,000 | $113,000 | $937,000 |
| Home Purchase | 318 | $50,011,000 | $157,000 | $865,000 | $94,000 | $771,000 |
| 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 | 552 | $122,367,000 | $221,000 | $1,200,000 | $113,000 | $937,000 |
| Not Provided | 91 | $18,891,000 | $207,000 | $1,215,000 | $96,000 | $771,000 |
| Hispanic | 78 | $10,155,000 | $130,000 | $615,000 | $62,000 | $209,000 |
| Asian | 31 | $7,028,000 | $226,000 | $650,000 | $109,000 | $307,000 |
| Black or African American | 3 | $387,000 | $129,000 | $185,000 | $75,000 | $85,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $477,000 | $238,000 | $243,000 | $70,000 | $93,000 |
| American Indian or Alaskan Native | 2 | $647,000 | $323,000 | $625,000 | $160,000 | $196,000 |
| 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) | 752 | $157,050,000 | $208,000 | $1,215,000 | $105,000 | $937,000 |
| FHA-insured (Federal Housing Administration) | 7 | $2,902,000 | $414,000 | $660,000 | $186,000 | $430,000 |
| 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 | 492 | $102,653,000 | $208,000 | $730,000 | $110,000 | $841,000 |
| Application Denied By Financial Institution | 178 | $36,070,000 | $202,000 | $1,215,000 | $85,000 | $430,000 |
| Application Withdrawn By Applicant | 54 | $9,682,000 | $179,000 | $730,000 | $105,000 | $937,000 |
| Application Approved But Not Accepted | 35 | $11,547,000 | $329,000 | $865,000 | $148,000 | $771,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 59 | $14,069,000 | $238,000 | $1,215,000 | $85,000 | $430,000 |
| Credit History | 57 | $7,501,000 | $131,000 | $1,200,000 | $73,000 | $337,000 |
| Collateral | 36 | $7,420,000 | $206,000 | $553,000 | $95,000 | $415,000 |
| Other | 13 | $3,269,000 | $251,000 | $660,000 | $108,000 | $329,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,268,000 | $253,000 | $1,000,000 | $83,000 | $231,000 |
| Unverifiable Information | 4 | $1,952,000 | $488,000 | $688,000 | $116,000 | $156,000 |
| Credit Application Incomplete | 2 | $266,000 | $133,000 | $200,000 | $77,000 | $127,000 |
| Employment History | 2 | $325,000 | $162,000 | $275,000 | $43,000 | $54,000 |
| 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 2010 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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