Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2013
In 2013, Community West Bank, A California Banking Corporation of Fresno, CA reported 437 mortgage applications totaling $92.4 million, down 14% from 2012. The average application was for $211,551, and applicants reported an average income of $103,260. 70% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Santa Barbara-Santa Maria-Goleta, CA (192), Oxnard-Thousand Oaks-Ventura, CA (126) and Los Angeles-Long Beach-Glendale, CA (49) (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 | 437 |
| Total Mortgage Loan Application Amount | $92,448,000 |
| Average Mortgage Loan Application Amount | $211,551 |
| Highest Mortgage Loan Application Amount | $999,000 |
| Average Applicant Income | $103,260 |
| Highest Applicant Income | $946,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013
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 | 266 | $47,349,000 | $178,000 | $999,000 | $97,000 | $946,000 |
| Refinancing | 171 | $45,099,000 | $263,000 | $650,000 | $113,000 | $427,000 |
| 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 | 298 | $68,428,000 | $229,000 | $999,000 | $110,000 | $946,000 |
| Not Provided | 60 | $10,070,000 | $167,000 | $625,000 | $89,000 | $250,000 |
| Hispanic | 52 | $8,574,000 | $164,000 | $417,000 | $89,000 | $309,000 |
| Asian | 12 | $2,902,000 | $241,000 | $625,000 | $104,000 | $232,000 |
| American Indian or Alaskan Native | 7 | $823,000 | $117,000 | $185,000 | $84,000 | $112,000 |
| Not applicable | 4 | $1,180,000 | $295,000 | $375,000 | $0 | $0 |
| Black or African American | 4 | $471,000 | $117,000 | $287,000 | $157,000 | $331,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 432 | $91,012,000 | $210,000 | $999,000 | $104,000 | $946,000 |
| FHA-insured (Federal Housing Administration) | 5 | $1,436,000 | $287,000 | $427,000 | $93,000 | $134,000 |
| 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 | 308 | $65,275,000 | $211,000 | $999,000 | $101,000 | $427,000 |
| Application Denied By Financial Institution | 82 | $15,386,000 | $187,000 | $570,000 | $90,000 | $274,000 |
| Application Withdrawn By Applicant | 40 | $9,744,000 | $243,000 | $585,000 | $152,000 | $946,000 |
| Application Approved But Not Accepted | 7 | $2,043,000 | $291,000 | $598,000 | $103,000 | $180,000 |
| 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 | 26 | $4,063,000 | $156,000 | $417,000 | $107,000 | $274,000 |
| Debt-To-Income Ratio | 26 | $4,594,000 | $176,000 | $570,000 | $73,000 | $213,000 |
| Collateral | 24 | $5,273,000 | $219,000 | $540,000 | $95,000 | $217,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $844,000 | $281,000 | $505,000 | $105,000 | $114,000 |
| Other | 2 | $227,000 | $113,000 | $120,000 | $54,000 | $72,000 |
| Unverifiable Information | 1 | $385,000 | $385,000 | $385,000 | $28,000 | $28,000 |
| Mortgage Insurance Denied | 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 2013 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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