Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2011
In 2011, Community West Bank, A California Banking Corporation of Fresno, CA reported 561 mortgage applications totaling $101.4 million, down 26% from 2010. The average application was for $180,716, and applicants reported an average income of $105,005. 71% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (217), Oxnard-Thousand Oaks-Ventura, CA (110) and Los Angeles-Long Beach-Glendale, CA (57) (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 | 561 |
| Total Mortgage Loan Application Amount | $101,382,000 |
| Average Mortgage Loan Application Amount | $180,716 |
| Highest Mortgage Loan Application Amount | $2,660,000 |
| Average Applicant Income | $105,005 |
| Highest Applicant Income | $1,287,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011
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 | 312 | $60,953,000 | $195,000 | $1,295,000 | $109,000 | $619,000 |
| Home Purchase | 249 | $40,429,000 | $162,000 | $2,660,000 | $100,000 | $1,287,000 |
| 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 | 404 | $82,071,000 | $203,000 | $2,660,000 | $113,000 | $1,287,000 |
| Hispanic | 74 | $6,956,000 | $94,000 | $560,000 | $60,000 | $266,000 |
| Not Provided | 38 | $4,579,000 | $120,000 | $492,000 | $78,000 | $272,000 |
| Asian | 27 | $5,224,000 | $193,000 | $715,000 | $171,000 | $552,000 |
| Black or African American | 10 | $873,000 | $87,000 | $212,000 | $80,000 | $107,000 |
| Not applicable | 4 | $1,297,000 | $324,000 | $665,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $197,000 | $98,000 | $125,000 | $36,000 | $43,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $185,000 | $92,000 | $108,000 | $169,000 | $169,000 |
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) | 558 | $100,370,000 | $179,000 | $2,660,000 | $105,000 | $1,287,000 |
| FHA-insured (Federal Housing Administration) | 3 | $1,012,000 | $337,000 | $406,000 | $92,000 | $104,000 |
| 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 | 396 | $68,122,000 | $172,000 | $730,000 | $105,000 | $1,287,000 |
| Application Denied By Financial Institution | 100 | $18,718,000 | $187,000 | $1,295,000 | $99,000 | $619,000 |
| Application Withdrawn By Applicant | 47 | $9,746,000 | $207,000 | $2,660,000 | $102,000 | $750,000 |
| Application Approved But Not Accepted | 18 | $4,796,000 | $266,000 | $1,000,000 | $157,000 | $427,000 |
| 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 | 46 | $7,549,000 | $164,000 | $665,000 | $59,000 | $290,000 |
| Credit History | 23 | $2,724,000 | $118,000 | $650,000 | $63,000 | $207,000 |
| Collateral | 14 | $3,712,000 | $265,000 | $730,000 | $181,000 | $619,000 |
| Other | 10 | $2,127,000 | $212,000 | $626,000 | $199,000 | $552,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $2,606,000 | $372,000 | $1,295,000 | $177,000 | $618,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Community West Bank, A California Banking Corporation's 2011 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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