Pff Bank & Trust Mortgage Lending & HMDA Data, 2003
In 2003, Pff Bank & Trust of Rancho Cucamonga, CA reported 3,295 mortgage applications totaling $1.1 billion. The average application was for $343,111, and applicants reported an average income of $94,559. 47% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Riverside-San Bernardino, CA (1,087), Los Angeles-Long Beach, CA (779) and Orange County, CA (585) (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 | 3,295 |
| Total Mortgage Loan Application Amount | $1,130,553,000 |
| Average Mortgage Loan Application Amount | $343,111 |
| Highest Mortgage Loan Application Amount | $3,263,000 |
| Average Applicant Income | $94,559 |
| Highest Applicant Income | $5,968,000 |
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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 787 | $ 142,118,000 | $ 180,581 | $ 60,000 |
| Los Angeles, California | 779 | $ 273,031,000 | $ 350,489 | $ 157,000 |
| Orange, California | 585 | $ 259,957,000 | $ 444,370 | $ 124,000 |
| Riverside, California | 304 | $ 68,927,000 | $ 226,733 | $ 127,000 |
| Santa Clara, California | 204 | $ 100,618,000 | $ 493,225 | $ 23,000 |
| San Diego, California | 155 | $ 63,380,000 | $ 408,903 | $ 278,000 |
| Alameda, California | 79 | $ 34,784,000 | $ 440,303 | $ 8,000 |
| Ventura, California | 59 | $ 25,601,000 | $ 433,915 | $ 29,000 |
| Contra Costa, California | 46 | $ 21,502,000 | $ 467,434 | $ 13,000 |
| San Mateo, California | 35 | $ 19,016,000 | $ 543,314 | $ 0 |
| San Francisco, California | 24 | $ 12,558,000 | $ 523,250 | $ 0 |
| Cook, Illinois | 20 | $ 10,103,000 | $ 505,150 | $ 0 |
| Santa Cruz, California | 14 | $ 6,285,000 | $ 448,928 | $ 0 |
| Marin, California | 12 | $ 5,977,000 | $ 498,083 | $ 49,000 |
| Middlesex, Massachusetts | 10 | $ 4,752,000 | $ 475,200 | $ 0 |
| Santa Barbara, California | 7 | $ 3,173,000 | $ 453,285 | $ 20,000 |
| Placer, California | 6 | $ 3,591,000 | $ 598,500 | $ 0 |
| Monterey, California | 5 | $ 2,345,000 | $ 469,000 | $ 0 |
| Stanislaus, California | 5 | $ 2,406,000 | $ 481,200 | $ 0 |
| Lake, Illinois | 5 | $ 2,620,000 | $ 524,000 | $ 0 |
| Sacramento, California | 4 | $ 1,652,000 | $ 413,000 | $ 0 |
| Denver, Colorado | 4 | $ 1,534,000 | $ 383,500 | $ 0 |
| Essex, Massachusetts | 4 | $ 1,718,000 | $ 429,500 | $ 0 |
| Hennepin, Minnesota | 4 | $ 1,800,000 | $ 450,000 | $ 0 |
| Westchester, New York | 4 | $ 2,446,000 | $ 611,500 | $ 0 |
| King, Washington | 4 | $ 1,623,000 | $ 405,750 | $ 0 |
| Maricopa, Arizona | 3 | $ 2,410,000 | $ 803,333 | $ 0 |
| El Dorado, California | 3 | $ 919,000 | $ 306,333 | $ 37,000 |
| Kern, California | 3 | $ 143,000 | $ 47,666 | $ 118,000 |
| San Joaquin, California | 3 | $ 1,021,000 | $ 340,333 | $ 17,000 |
| Solano, California | 3 | $ 1,133,000 | $ 377,666 | $ 0 |
| Sonoma, California | 3 | $ 1,660,000 | $ 553,333 | $ 0 |
| Palm Beach, Florida | 3 | $ 1,270,000 | $ 423,333 | $ 0 |
| Kane, Illinois | 3 | $ 1,208,000 | $ 402,666 | $ 0 |
| Worcester, Massachusetts | 3 | $ 1,347,000 | $ 449,000 | $ 0 |
| Oakland, Michigan | 3 | $ 1,095,000 | $ 365,000 | $ 0 |
| Nassau, New York | 3 | $ 1,804,000 | $ 601,333 | $ 0 |
| Suffolk, New York | 3 | $ 1,305,000 | $ 435,000 | $ 0 |
| Wake, North Carolina | 3 | $ 881,000 | $ 293,666 | $ 15,000 |
| Fresno, California | 2 | $ 807,000 | $ 403,500 | $ 0 |
| Mono, California | 2 | $ 258,000 | $ 129,000 | $ 1,271,000 |
| Napa, California | 2 | $ 1,050,000 | $ 525,000 | $ 0 |
| San Benito, California | 2 | $ 1,044,000 | $ 522,000 | $ 0 |
| San Luis Obispo, California | 2 | $ 1,128,000 | $ 564,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 868,000 | $ 434,000 | $ 0 |
| Broward, Florida | 2 | $ 1,044,000 | $ 522,000 | $ 0 |
| Escambia, Florida | 2 | $ 997,000 | $ 498,500 | $ 0 |
| DuPage, Illinois | 2 | $ 1,047,000 | $ 523,500 | $ 0 |
| Montgomery, Maryland | 2 | $ 829,000 | $ 414,500 | $ 0 |
| Norfolk, Massachusetts | 2 | $ 830,000 | $ 415,000 | $ 0 |
| Clark, Nevada | 2 | $ 968,000 | $ 484,000 | $ 0 |
| Hillsborough, New Hampshire | 2 | $ 772,000 | $ 386,000 | $ 0 |
| Prince William, Virginia | 2 | $ 881,000 | $ 440,500 | $ 0 |
| Jackson, Alabama | 1 | $ 67,000 | $ 67,000 | $ 99,000 |
| Coconino, Arizona | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Imperial, California | 1 | $ 71,000 | $ 71,000 | $ 0 |
| Sutter, California | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Yolo, California | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Arapahoe, Colorado | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Douglas, Colorado | 1 | $ 559,000 | $ 559,000 | $ 0 |
| Jefferson, Colorado | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Larimer, Colorado | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Middlesex, Connecticut | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Miami-Dade, Florida | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Nassau, Florida | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Orange, Florida | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Pinellas, Florida | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 347,000 | $ 347,000 | $ 0 |
| Cobb, Georgia | 1 | $ 394,000 | $ 394,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Fulton, Georgia | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Peoria, Illinois | 1 | $ 710,000 | $ 710,000 | $ 0 |
| Boone, Indiana | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Jefferson, Louisiana | 1 | $ 740,000 | $ 740,000 | $ 0 |
| Orleans, Louisiana | 1 | $ 472,000 | $ 472,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Howard, Maryland | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Plymouth, Massachusetts | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 407,000 | $ 407,000 | $ 0 |
| Kalamazoo, Michigan | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Livingston, Michigan | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Ramsey, Minnesota | 1 | $ 543,000 | $ 543,000 | $ 0 |
| Camden, Missouri | 1 | $ 600,000 | $ 600,000 | $ 287,000 |
| St. Louis, Missouri | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Douglas, Nebraska | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Essex, New Jersey | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Santa Fe, New Mexico | 1 | $ 350,000 | $ 350,000 | $ 0 |
| New York, New York | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Otsego, New York | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Queens, New York | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Watauga, North Carolina | 1 | $ 484,000 | $ 484,000 | $ 0 |
| Jackson, Oregon | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Horry, South Carolina | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Williamson, Tennessee | 1 | $ 554,000 | $ 554,000 | $ 0 |
| Bexar, Texas | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Harris, Texas | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Montgomery, Texas | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Travis, Texas | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Summit, Utah | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Fairfax, Virginia | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 386,000 | $ 386,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 340,000 | $ 340,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pff Bank & Trust in 2003
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 (home purchase or home improvement, one-to-four family) | 2,357 | $776,947,000 | $513,260 | $1,500,000 | $16,869 | $5,968,000 |
| Home Purchase (one-to-four family) | 915 | $343,211,000 | $429,730 | $1,894,000 | $7,884 | $3,585,000 |
| Home Improvement (one-to-four family) | 12 | $1,478,000 | $123,000 | $935,000 | $61,000 | $134,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 11 | $8,917,000 | $810,000 | $3,263,000 | $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 | 2,085 | $737,655,000 | $481,933 | $1,500,000 | $12,433 | $2,368,000 |
| Information not provided by applicant in mail or telephone application | 474 | $175,887,000 | $417,857 | $3,263,000 | $11,928 | $1,584,000 |
| Hispanic | 298 | $58,558,000 | $314,500 | $916,000 | $12,250 | $298,000 |
| Asian or Pacific Islander | 228 | $92,709,000 | $439,400 | $1,000,000 | $13,800 | $1,040,000 |
| Black | 73 | $15,756,000 | $215,000 | $599,000 | $65,000 | $244,000 |
| American Indian or Alaskan Native | 48 | $18,586,000 | $387,000 | $781,000 | $12,000 | $92,000 |
| Not applicable | 47 | $13,411,000 | $274,333 | $1,350,000 | $347,666 | $5,968,000 |
| Other | 42 | $17,991,000 | $428,000 | $1,121,000 | $57,000 | $713,000 |
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) | 3,289 | $1,129,850,000 | $449,687 | $3,263,000 | $10,937 | $5,968,000 |
| FHA-insured (Federal Housing Administration) | 6 | $703,000 | $117,000 | $169,000 | $39,000 | $83,000 |
| 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 | 1,536 | $366,532,000 | $153,666 | $1,894,000 | $129,666 | $5,968,000 |
| Loan Purchased By The Institution | 1,335 | $665,893,000 | $469,322 | $1,500,000 | $4,677 | $287,000 |
| Application Withdrawn By Applicant | 167 | $38,584,000 | $231,000 | $3,263,000 | $145,000 | $1,207,000 |
| Application Denied By Financial Institution | 153 | $31,873,000 | $208,000 | $840,000 | $86,000 | $1,207,000 |
| Application Approved But Not Accepted | 56 | $15,024,000 | $268,000 | $1,000,000 | $131,000 | $742,000 |
| File Closed For Incompleteness | 48 | $12,647,000 | $263,000 | $1,000,000 | $140,000 | $769,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 61 | $11,141,000 | $182,000 | $840,000 | $70,000 | $163,000 |
| Debt-To-Income Ratio | 60 | $13,646,000 | $227,000 | $732,000 | $59,000 | $164,000 |
| Collateral | 22 | $5,620,000 | $255,000 | $650,000 | $183,000 | $1,207,000 |
| Other | 5 | $782,000 | $156,000 | $278,000 | $104,000 | $122,000 |
| Employment History | 3 | $442,000 | $147,000 | $252,000 | $91,000 | $145,000 |
| Unverifiable Information | 2 | $242,000 | $121,000 | $218,000 | $80,000 | $105,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pff Bank & Trust's 2003 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.
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