First Private Bank & Trust Mortgage Lending & HMDA Data, 2010
In 2010, First Private Bank & Trust of Encino, CA reported 99 mortgage applications totaling $170.1 million, down 38% from 2009. The average application was for $1,718,535, and applicants reported an average income of $1,007,191. 37% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (72), Santa Ana-Anaheim-Irvine, CA (19) and Oxnard-Thousand Oaks-Ventura, CA (3) (applications in parentheses).
| Mortgage Company & Address | First Private Bank & Trust 16000 Ventura Blvd. Encino, CA 91436 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2011 2010 2009 2008 2007 2005 2004 |
| Total Number of Mortgage Applications | 99 |
| Total Mortgage Loan Application Amount | $170,135,000 |
| Average Mortgage Loan Application Amount | $1,718,535 |
| Highest Mortgage Loan Application Amount | $10,050,000 |
| Average Applicant Income | $1,007,191 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Private Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 First Private Bank & Trust in 2010
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 |
|---|---|---|---|---|---|---|
| Refinancing | 61 | $119,771,000 | $1,963,000 | $10,050,000 | $1,026,000 | $9,999,000 |
| Home Purchase | 38 | $50,364,000 | $1,325,000 | $3,150,000 | $977,000 | $9,999,000 |
| 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 | 50 | $92,288,000 | $1,845,000 | $10,050,000 | $1,484,000 | $9,999,000 |
| Not Provided | 30 | $59,576,000 | $1,985,000 | $6,000,000 | $790,000 | $3,479,000 |
| Not applicable | 16 | $15,166,000 | $947,000 | $1,400,000 | $44,000 | $718,000 |
| Hispanic | 2 | $1,105,000 | $552,000 | $700,000 | $303,000 | $433,000 |
| Asian | 1 | $2,000,000 | $2,000,000 | $2,000,000 | $500,000 | $500,000 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 99 | $170,135,000 | $1,718,000 | $10,050,000 | $1,007,000 | $9,999,000 |
| 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 | 37 | $64,431,000 | $1,741,000 | $4,800,000 | $1,484,000 | $9,999,000 |
| Application Denied By Financial Institution | 19 | $40,823,000 | $2,148,000 | $6,000,000 | $645,000 | $2,487,000 |
| Application Withdrawn By Applicant | 17 | $34,369,000 | $2,021,000 | $10,050,000 | $1,377,000 | $9,999,000 |
| Loan Purchased By The Institution | 15 | $14,701,000 | $980,000 | $1,400,000 | $47,000 | $718,000 |
| Application Approved But Not Accepted | 10 | $14,705,000 | $1,470,000 | $5,000,000 | $783,000 | $2,363,000 |
| File Closed For Incompleteness | 1 | $1,106,000 | $1,106,000 | $1,106,000 | $600,000 | $600,000 |
| 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 |
|---|---|---|---|---|---|---|
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $24,025,000 | $2,669,000 | $6,000,000 | $495,000 | $899,000 |
| Collateral | 5 | $7,288,000 | $1,457,000 | $2,200,000 | $746,000 | $1,396,000 |
| Credit Application Incomplete | 1 | $1,240,000 | $1,240,000 | $1,240,000 | $350,000 | $350,000 |
| Credit History | 1 | $1,120,000 | $1,120,000 | $1,120,000 | $396,000 | $396,000 |
| Debt-To-Income Ratio | 1 | $525,000 | $525,000 | $525,000 | $61,000 | $61,000 |
| Other | 1 | $5,400,000 | $5,400,000 | $5,400,000 | $2,487,000 | $2,487,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Private Bank & Trust's 2010 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 First Private Bank & Trust'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.
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