Community West Bank, A California Banking Corporation Mortgage Lending & HMDA Data, 2020
In 2020, Community West Bank, A California Banking Corporation of Fresno, CA reported 568 mortgage applications totaling $112.2 million, up 28% from 2019. The average application was for $197,588, and applicants reported an average income of $123,378. 59% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Santa Maria-Santa Barbara, CA (125), Oxnard-Thousand Oaks-Ventura, CA (118) and San Jose-Sunnyvale-Santa Clara, CA (114) (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 | 568 |
| Total Mortgage Loan Application Amount | $112,230,000 |
| Average Mortgage Loan Application Amount | $197,588 |
| Highest Mortgage Loan Application Amount | $775,000 |
| Average Applicant Income | $123,378 |
| Highest Applicant Income | $1,767,000 |
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Bank, A California Banking Corporation filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2020
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 | 457 | $95,135,000 | $208,000 | $775,000 | $127,000 | $1,767,000 |
| Refinancing | 82 | $13,790,000 | $168,000 | $535,000 | $115,000 | $960,000 |
| Cash-out Refinancing | 29 | $3,305,000 | $113,000 | $225,000 | $90,000 | $293,000 |
| 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 | 331 | $67,245,000 | $203,000 | $775,000 | $124,000 | $1,571,000 |
| Hispanic | 109 | $18,955,000 | $173,000 | $405,000 | $102,000 | $700,000 |
| Asian | 61 | $11,445,000 | $187,000 | $505,000 | $131,000 | $650,000 |
| Not Provided | 51 | $11,425,000 | $224,000 | $725,000 | $152,000 | $1,767,000 |
| Black or African American | 10 | $1,990,000 | $199,000 | $305,000 | $138,000 | $302,000 |
| American Indian or Alaskan Native | 3 | $585,000 | $195,000 | $265,000 | $113,000 | $200,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $195,000 | $195,000 | $195,000 | $73,000 | $73,000 |
| 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) | 568 | $112,230,000 | $197,000 | $775,000 | $123,000 | $1,767,000 |
| 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 | 337 | $68,555,000 | $203,000 | $775,000 | $117,000 | $886,000 |
| Application Withdrawn By Applicant | 125 | $24,585,000 | $196,000 | $725,000 | $146,000 | $1,767,000 |
| Application Denied By Financial Institution | 89 | $15,285,000 | $171,000 | $405,000 | $89,000 | $390,000 |
| Application Approved But Not Accepted | 17 | $3,805,000 | $223,000 | $725,000 | $262,000 | $1,571,000 |
| 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 | 479 | $96,945,000 | $202,000 | $775,000 | $129,000 | $1,767,000 |
| Debt-To-Income Ratio | 47 | $8,175,000 | $173,000 | $405,000 | $66,000 | $190,000 |
| Collateral | 17 | $2,975,000 | $175,000 | $365,000 | $126,000 | $280,000 |
| Credit History | 14 | $2,680,000 | $191,000 | $325,000 | $103,000 | $223,000 |
| Other | 5 | $625,000 | $125,000 | $165,000 | $196,000 | $390,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $560,000 | $140,000 | $205,000 | $54,000 | $73,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $58,000 | $58,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| 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 2020 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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