Pff Bank & Trust Mortgage Lending & HMDA Data, 2007
In 2007, Pff Bank & Trust of Rancho Cucamonga, CA reported 1,264 mortgage applications totaling $476.6 million, about the same as 2006. The average application was for $377,052, and applicants reported an average income of $400,640. 70% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (597), Los Angeles-Long Beach-Glendale, CA (299) and Santa Ana-Anaheim-Irvine, CA (113) (applications in parentheses).
| Mortgage Company & Address | Pff Bank & Trust P O Box 2789 , 9337 Milliken Ave. Rancho Cucamonga, CA 91729 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,264 |
| Total Mortgage Loan Application Amount | $476,594,000 |
| Average Mortgage Loan Application Amount | $377,052 |
| Highest Mortgage Loan Application Amount | $15,593,000 |
| Average Applicant Income | $400,640 |
| Highest Applicant Income | $9,192,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Bernardino, California | 420 | $ 119,519,000 | $ 284,569 | $ 521,000 |
| Los Angeles, California | 300 | $ 118,214,000 | $ 394,046 | $ 263,000 |
| Riverside, California | 184 | $ 58,542,000 | $ 318,163 | $ 288,000 |
| Orange, California | 113 | $ 61,211,000 | $ 541,690 | $ 435,000 |
| San Diego, California | 112 | $ 51,980,000 | $ 464,107 | $ 336,000 |
| Sacramento, California | 26 | $ 4,292,000 | $ 165,076 | $ 1,243,000 |
| Santa Cruz, California | 26 | $ 5,513,000 | $ 212,038 | $ 380,000 |
| Contra Costa, California | 8 | $ 5,214,000 | $ 651,750 | $ 204,000 |
| Ventura, California | 7 | $ 3,094,000 | $ 442,000 | $ 182,000 |
| Santa Barbara, California | 5 | $ 3,656,000 | $ 731,200 | $ 346,000 |
| Solano, California | 4 | $ 1,600,000 | $ 400,000 | $ 366,000 |
| Alameda, California | 2 | $ 1,880,000 | $ 940,000 | $ 199,000 |
| Kern, California | 2 | $ 500,000 | $ 250,000 | $ 83,000 |
| Santa Clara, California | 2 | $ 3,900,000 | $ 1,950,000 | $ 376,000 |
| Tulare, California | 2 | $ 699,000 | $ 349,500 | $ 2,151,000 |
| Clark, Nevada | 2 | $ 548,000 | $ 274,000 | $ 401,000 |
| Mono, California | 1 | $ 333,000 | $ 333,000 | $ 181,000 |
| Napa, California | 1 | $ 390,000 | $ 390,000 | $ 381,000 |
| Placer, California | 1 | $ 368,000 | $ 368,000 | $ 205,000 |
| San Francisco, California | 1 | $ 1,250,000 | $ 1,250,000 | $ 399,000 |
| Sonoma, California | 1 | $ 15,593,000 | $ 15,593,000 | $ 0 |
| Sutter, California | 1 | $ 169,000 | $ 169,000 | $ 62,000 |
| Tehama, California | 1 | $ 224,000 | $ 224,000 | $ 258,000 |
| Hawaii, Hawaii | 1 | $ 700,000 | $ 700,000 | $ 1,670,000 |
| Summit, Utah | 1 | $ 1,500,000 | $ 1,500,000 | $ 5,409,000 |
Mortgage Loan Application Detail Totals for Pff Bank & Trust in 2007
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 | 735 | $311,557,000 | $423,000 | $15,593,000 | $267,000 | $5,409,000 |
| Home Purchase | 421 | $156,988,000 | $372,000 | $3,225,000 | $708,000 | $9,192,000 |
| Home Improvement | 108 | $8,049,000 | $74,000 | $400,000 | $112,000 | $2,151,000 |
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 | 670 | $250,105,000 | $373,000 | $3,225,000 | $341,000 | $4,247,000 |
| Hispanic | 239 | $70,166,000 | $293,000 | $1,415,000 | $104,000 | $1,043,000 |
| Not applicable | 169 | $79,781,000 | $472,000 | $15,593,000 | $1,271,000 | $9,192,000 |
| Not Provided | 80 | $36,805,000 | $460,000 | $3,500,000 | $264,000 | $3,413,000 |
| Black or African American | 55 | $20,248,000 | $368,000 | $1,330,000 | $153,000 | $853,000 |
| Asian | 45 | $17,124,000 | $380,000 | $816,000 | $154,000 | $651,000 |
| Native Hawaiian or Other Pacific Islander | 5 | $1,922,000 | $384,000 | $544,000 | $192,000 | $574,000 |
| American Indian or Alaskan Native | 1 | $443,000 | $443,000 | $443,000 | $274,000 | $274,000 |
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) | 1,262 | $476,191,000 | $377,000 | $15,593,000 | $401,000 | $9,192,000 |
| VA-guaranteed (Veterans Administration) | 2 | $403,000 | $201,000 | $203,000 | $71,000 | $97,000 |
| 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 |
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 | 884 | $312,674,000 | $353,000 | $3,500,000 | $466,000 | $9,192,000 |
| Application Denied By Financial Institution | 164 | $69,193,000 | $421,000 | $1,569,000 | $135,000 | $791,000 |
| Application Approved But Not Accepted | 88 | $32,364,000 | $367,000 | $1,768,000 | $242,000 | $3,358,000 |
| File Closed For Incompleteness | 67 | $29,184,000 | $435,000 | $2,300,000 | $173,000 | $1,483,000 |
| Application Withdrawn By Applicant | 61 | $33,179,000 | $543,000 | $15,593,000 | $647,000 | $9,192,000 |
| 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 | 72 | $29,556,000 | $410,000 | $1,500,000 | $96,000 | $333,000 |
| Collateral | 43 | $19,433,000 | $451,000 | $1,280,000 | $171,000 | $737,000 |
| Other | 24 | $12,080,000 | $503,000 | $1,569,000 | $202,000 | $651,000 |
| Credit History | 22 | $6,690,000 | $304,000 | $1,281,000 | $106,000 | $791,000 |
| Mortgage Insurance Denied | 2 | $462,000 | $231,000 | $410,000 | $89,000 | $95,000 |
| Unverifiable Information | 1 | $972,000 | $972,000 | $972,000 | $540,000 | $540,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pff Bank & Trust's 2007 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 Pff 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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