Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2018
In 2018, Community West Bank, A California Banking Corporation of Fresno, CA reported 519 mortgage applications totaling $93.1 million, down 6% from 2017. The average application was for $179,296, and applicants reported an average income of $114,763. 60% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Oxnard-Thousand Oaks-Ventura, CA (119), San Jose-Sunnyvale-Santa Clara, CA (110) and Santa Maria-Santa Barbara, CA (90) (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 | 519 |
| Total Mortgage Loan Application Amount | $93,055,000 |
| Average Mortgage Loan Application Amount | $179,296 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $114,763 |
| Highest Applicant Income | $1,740,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018
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 | 435 | $82,435,000 | $189,000 | $1,005,000 | $122,000 | $1,740,000 |
| Refinancing | 48 | $7,130,000 | $148,000 | $405,000 | $82,000 | $391,000 |
| Cash-out Refinancing | 36 | $3,490,000 | $96,000 | $255,000 | $71,000 | $220,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 323 | $57,025,000 | $176,000 | $855,000 | $118,000 | $1,151,000 |
| Hispanic | 83 | $13,475,000 | $162,000 | $385,000 | $86,000 | $260,000 |
| Not Provided | 55 | $10,625,000 | $193,000 | $1,005,000 | $149,000 | $1,740,000 |
| Asian | 46 | $9,550,000 | $207,000 | $345,000 | $111,000 | $325,000 |
| Black or African American | 5 | $755,000 | $151,000 | $275,000 | $79,000 | $145,000 |
| American Indian or Alaskan Native | 4 | $860,000 | $215,000 | $295,000 | $75,000 | $93,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $765,000 | $255,000 | $295,000 | $105,000 | $120,000 |
| Not applicable | 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) | 519 | $93,055,000 | $179,000 | $1,005,000 | $115,000 | $1,740,000 |
| 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 | 313 | $58,695,000 | $187,000 | $1,005,000 | $125,000 | $1,740,000 |
| Application Withdrawn By Applicant | 112 | $19,010,000 | $169,000 | $405,000 | $102,000 | $1,013,000 |
| Application Denied By Financial Institution | 81 | $12,655,000 | $156,000 | $385,000 | $81,000 | $260,000 |
| Application Approved But Not Accepted | 13 | $2,695,000 | $207,000 | $855,000 | $181,000 | $587,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 438 | $80,400,000 | $183,000 | $1,005,000 | $121,000 | $1,740,000 |
| Debt-To-Income Ratio | 39 | $6,405,000 | $164,000 | $385,000 | $63,000 | $210,000 |
| Credit History | 21 | $2,925,000 | $139,000 | $265,000 | $96,000 | $216,000 |
| Collateral | 10 | $1,470,000 | $147,000 | $255,000 | $89,000 | $155,000 |
| Other | 4 | $530,000 | $132,000 | $155,000 | $78,000 | $175,000 |
| Unverifiable Information | 4 | $840,000 | $210,000 | $265,000 | $157,000 | $260,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $485,000 | $161,000 | $225,000 | $71,000 | $100,000 |
| 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 2018 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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