Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2016
In 2016, Community West Bank, A California Banking Corporation of Fresno, CA reported 448 mortgage applications totaling $77.2 million, up 1% from 2015. The average application was for $172,232, and applicants reported an average income of $110,656. 65% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Santa Maria-Santa Barbara, CA (129), Oxnard-Thousand Oaks-Ventura, CA (87) and San Jose-Sunnyvale-Santa Clara, CA (76) (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 | 448 |
| Total Mortgage Loan Application Amount | $77,160,000 |
| Average Mortgage Loan Application Amount | $172,232 |
| Highest Mortgage Loan Application Amount | $1,155,000 |
| Average Applicant Income | $110,656 |
| Highest Applicant Income | $2,168,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2016
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 | 350 | $64,269,000 | $183,000 | $1,155,000 | $110,000 | $2,018,000 |
| Refinancing | 98 | $12,891,000 | $131,000 | $396,000 | $113,000 | $2,168,000 |
| 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 | 271 | $48,228,000 | $177,000 | $450,000 | $117,000 | $2,018,000 |
| Not Provided | 71 | $11,535,000 | $162,000 | $400,000 | $135,000 | $2,168,000 |
| Hispanic | 59 | $8,271,000 | $140,000 | $300,000 | $70,000 | $161,000 |
| Asian | 35 | $5,081,000 | $145,000 | $266,000 | $90,000 | $179,000 |
| Black or African American | 5 | $1,033,000 | $206,000 | $224,000 | $108,000 | $143,000 |
| American Indian or Alaskan Native | 4 | $1,004,000 | $251,000 | $400,000 | $95,000 | $145,000 |
| Not applicable | 3 | $2,008,000 | $669,000 | $1,155,000 | $0 | $0 |
| Native Hawaiin 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) | 448 | $77,160,000 | $172,000 | $1,155,000 | $111,000 | $2,168,000 |
| 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 | 291 | $50,479,000 | $173,000 | $1,155,000 | $119,000 | $2,168,000 |
| Application Withdrawn By Applicant | 86 | $16,009,000 | $186,000 | $450,000 | $114,000 | $675,000 |
| Application Denied By Financial Institution | 64 | $9,306,000 | $145,000 | $400,000 | $73,000 | $198,000 |
| Application Approved But Not Accepted | 7 | $1,366,000 | $195,000 | $368,000 | $90,000 | $164,000 |
| 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 | 25 | $3,811,000 | $152,000 | $400,000 | $47,000 | $154,000 |
| Credit History | 16 | $2,186,000 | $136,000 | $280,000 | $80,000 | $198,000 |
| Collateral | 9 | $1,431,000 | $159,000 | $351,000 | $113,000 | $196,000 |
| Other | 9 | $1,124,000 | $124,000 | $230,000 | $80,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $526,000 | $175,000 | $228,000 | $91,000 | $121,000 |
| Unverifiable Information | 1 | $111,000 | $111,000 | $111,000 | $117,000 | $117,000 |
| Employment History | 1 | $117,000 | $117,000 | $117,000 | $97,000 | $97,000 |
| Credit Application Incomplete | 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 2016 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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