Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2015
In 2015, Community West Bank, A California Banking Corporation of Fresno, CA reported 445 mortgage applications totaling $88.1 million, up 23% from 2014. The average application was for $197,880, and applicants reported an average income of $104,714. 62% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Santa Maria-Santa Barbara, CA (155), Oxnard-Thousand Oaks-Ventura, CA (99) and San Jose-Sunnyvale-Santa Clara, CA (56) (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 | 445 |
| Total Mortgage Loan Application Amount | $88,057,000 |
| Average Mortgage Loan Application Amount | $197,880 |
| Highest Mortgage Loan Application Amount | $908,000 |
| Average Applicant Income | $104,714 |
| Highest Applicant Income | $1,200,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015
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 | 298 | $54,110,000 | $181,000 | $700,000 | $110,000 | $1,200,000 |
| Refinancing | 147 | $33,947,000 | $230,000 | $908,000 | $94,000 | $596,000 |
| 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 | 267 | $54,053,000 | $202,000 | $908,000 | $113,000 | $1,200,000 |
| Hispanic | 81 | $13,552,000 | $167,000 | $497,000 | $85,000 | $409,000 |
| Not Provided | 50 | $8,840,000 | $176,000 | $425,000 | $119,000 | $520,000 |
| Asian | 25 | $5,247,000 | $209,000 | $626,000 | $77,000 | $125,000 |
| Not applicable | 8 | $4,082,000 | $510,000 | $750,000 | $0 | $0 |
| Black or African American | 7 | $1,155,000 | $165,000 | $239,000 | $93,000 | $118,000 |
| American Indian or Alaskan Native | 4 | $642,000 | $160,000 | $200,000 | $201,000 | $596,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $486,000 | $162,000 | $258,000 | $91,000 | $142,000 |
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) | 445 | $88,057,000 | $197,000 | $908,000 | $105,000 | $1,200,000 |
| 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 | 274 | $57,652,000 | $210,000 | $908,000 | $105,000 | $1,062,000 |
| Application Denied By Financial Institution | 90 | $16,277,000 | $180,000 | $755,000 | $84,000 | $596,000 |
| Application Withdrawn By Applicant | 76 | $12,927,000 | $170,000 | $700,000 | $127,000 | $1,200,000 |
| Application Approved But Not Accepted | 5 | $1,201,000 | $240,000 | $627,000 | $124,000 | $225,000 |
| 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 | 36 | $7,060,000 | $196,000 | $755,000 | $62,000 | $100,000 |
| Credit History | 27 | $4,495,000 | $166,000 | $450,000 | $73,000 | $195,000 |
| Collateral | 21 | $3,061,000 | $145,000 | $345,000 | $124,000 | $596,000 |
| Unverifiable Information | 4 | $1,358,000 | $339,000 | $625,000 | $171,000 | $321,000 |
| Other | 2 | $303,000 | $151,000 | $179,000 | $48,000 | $51,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 2015 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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