Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2014
In 2014, Community West Bank, A California Banking Corporation of Fresno, CA reported 362 mortgage applications totaling $78.5 million, down 17% from 2013. The average application was for $216,715, and applicants reported an average income of $121,237. 65% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Santa Maria-Santa Barbara, CA (141), Oxnard-Thousand Oaks-Ventura, CA (84) and Los Angeles-Long Beach-Glendale, CA (62) (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 | 362 |
| Total Mortgage Loan Application Amount | $78,451,000 |
| Average Mortgage Loan Application Amount | $216,715 |
| Highest Mortgage Loan Application Amount | $990,000 |
| Average Applicant Income | $121,237 |
| Highest Applicant Income | $1,912,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014
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 | 244 | $49,663,000 | $203,000 | $990,000 | $117,000 | $1,912,000 |
| Refinancing | 118 | $28,788,000 | $243,000 | $950,000 | $130,000 | $1,593,000 |
| 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 | 247 | $56,013,000 | $226,000 | $990,000 | $127,000 | $1,912,000 |
| Hispanic | 60 | $10,489,000 | $174,000 | $950,000 | $98,000 | $893,000 |
| Not Provided | 37 | $7,986,000 | $215,000 | $644,000 | $149,000 | $1,296,000 |
| Asian | 9 | $1,867,000 | $207,000 | $350,000 | $86,000 | $157,000 |
| Black or African American | 4 | $400,000 | $100,000 | $130,000 | $73,000 | $110,000 |
| Not applicable | 3 | $1,468,000 | $489,000 | $578,000 | $0 | $0 |
| American Indian or Alaskan Native | 2 | $228,000 | $114,000 | $120,000 | $64,000 | $67,000 |
| 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) | 362 | $78,451,000 | $216,000 | $990,000 | $121,000 | $1,912,000 |
| 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 | 234 | $52,446,000 | $224,000 | $905,000 | $121,000 | $1,912,000 |
| Application Denied By Financial Institution | 69 | $14,405,000 | $208,000 | $950,000 | $116,000 | $893,000 |
| Application Withdrawn By Applicant | 55 | $10,642,000 | $193,000 | $990,000 | $132,000 | $1,296,000 |
| Application Approved But Not Accepted | 4 | $958,000 | $239,000 | $390,000 | $109,000 | $147,000 |
| 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 | 24 | $4,543,000 | $189,000 | $856,000 | $104,000 | $598,000 |
| Debt-To-Income Ratio | 23 | $4,774,000 | $207,000 | $644,000 | $78,000 | $278,000 |
| Collateral | 18 | $3,787,000 | $210,000 | $870,000 | $146,000 | $398,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $1,141,000 | $570,000 | $950,000 | $491,000 | $893,000 |
| Other | 1 | $80,000 | $80,000 | $80,000 | $33,000 | $33,000 |
| Unverifiable Information | 1 | $80,000 | $80,000 | $80,000 | $52,000 | $52,000 |
| 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 2014 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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