Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2019
In 2019, Community West Bank, A California Banking Corporation of Fresno, CA reported 443 mortgage applications totaling $84.0 million, down 15% from 2018. The average application was for $189,582, and applicants reported an average income of $121,246. 60% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Oxnard-Thousand Oaks-Ventura, CA (113), San Jose-Sunnyvale-Santa Clara, CA (102) 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 | 443 |
| Total Mortgage Loan Application Amount | $83,985,000 |
| Average Mortgage Loan Application Amount | $189,582 |
| Highest Mortgage Loan Application Amount | $1,005,000 |
| Average Applicant Income | $121,246 |
| Highest Applicant Income | $2,359,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019
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 | 386 | $76,780,000 | $198,000 | $1,005,000 | $123,000 | $2,359,000 |
| Refinancing | 31 | $4,205,000 | $135,000 | $475,000 | $108,000 | $436,000 |
| Cash-out Refinancing | 26 | $3,000,000 | $115,000 | $605,000 | $111,000 | $687,000 |
| 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 | 264 | $49,670,000 | $188,000 | $1,005,000 | $129,000 | $2,359,000 |
| Hispanic | 90 | $15,060,000 | $167,000 | $535,000 | $97,000 | $271,000 |
| Asian | 46 | $8,350,000 | $181,000 | $345,000 | $112,000 | $287,000 |
| Not Provided | 33 | $8,835,000 | $267,000 | $805,000 | $140,000 | $402,000 |
| Black or African American | 5 | $995,000 | $199,000 | $285,000 | $117,000 | $222,000 |
| American Indian or Alaskan Native | 4 | $850,000 | $212,000 | $285,000 | $85,000 | $133,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 443 | $83,985,000 | $189,000 | $1,005,000 | $121,000 | $2,359,000 |
| 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 | 264 | $50,150,000 | $189,000 | $1,005,000 | $132,000 | $2,359,000 |
| Application Withdrawn By Applicant | 103 | $20,815,000 | $202,000 | $805,000 | $117,000 | $436,000 |
| Application Denied By Financial Institution | 61 | $10,435,000 | $171,000 | $475,000 | $85,000 | $372,000 |
| Application Approved But Not Accepted | 15 | $2,585,000 | $172,000 | $425,000 | $110,000 | $221,000 |
| 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 | 382 | $73,550,000 | $192,000 | $1,005,000 | $127,000 | $2,359,000 |
| Debt-To-Income Ratio | 32 | $5,930,000 | $185,000 | $385,000 | $70,000 | $146,000 |
| Credit History | 10 | $1,570,000 | $157,000 | $305,000 | $105,000 | $192,000 |
| Other | 9 | $1,735,000 | $192,000 | $475,000 | $126,000 | $372,000 |
| Collateral | 5 | $445,000 | $89,000 | $115,000 | $74,000 | $108,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $205,000 | $57,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $270,000 | $135,000 | $175,000 | $99,000 | $101,000 |
| Employment History | 1 | $225,000 | $225,000 | $225,000 | $59,000 | $59,000 |
| 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 2019 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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