Pff Bank & Trust Mortgage Lending & HMDA Data, 2004
In 2004, Pff Bank & Trust of Rancho Cucamonga, CA reported 2,329 mortgage applications totaling $861.2 million, down 29% from 2003. The average application was for $369,763, and applicants reported an average income of $98,854. 49% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (796), Los Angeles-Long Beach-Glendale, CA (497) and Santa Ana-Anaheim-Irvine, CA (316) (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 | 2,329 |
| Total Mortgage Loan Application Amount | $861,180,000 |
| Average Mortgage Loan Application Amount | $369,763 |
| Highest Mortgage Loan Application Amount | $2,480,000 |
| Average Applicant Income | $98,854 |
| Highest Applicant Income | $3,164,000 |
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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 542 | $ 118,167,000 | $ 218,020 | $ 73,000 |
| Los Angeles, California | 498 | $ 191,450,000 | $ 384,437 | $ 121,000 |
| Orange, California | 316 | $ 161,360,000 | $ 510,632 | $ 183,000 |
| Riverside, California | 263 | $ 65,698,000 | $ 249,802 | $ 86,000 |
| San Diego, California | 124 | $ 52,676,000 | $ 424,806 | $ 571,000 |
| Santa Clara, California | 69 | $ 38,130,000 | $ 552,608 | $ 30,000 |
| Ventura, California | 35 | $ 15,851,000 | $ 452,885 | $ 42,000 |
| Alameda, California | 34 | $ 17,954,000 | $ 528,058 | $ 0 |
| Cook, Illinois | 21 | $ 10,381,000 | $ 494,333 | $ 0 |
| Contra Costa, California | 18 | $ 8,803,000 | $ 489,055 | $ 0 |
| San Mateo, California | 17 | $ 10,153,000 | $ 597,235 | $ 19,000 |
| Marin, California | 16 | $ 11,923,000 | $ 745,187 | $ 0 |
| Sacramento, California | 12 | $ 3,561,000 | $ 296,750 | $ 6,000 |
| Santa Barbara, California | 11 | $ 5,630,000 | $ 511,818 | $ 36,000 |
| King, Washington | 11 | $ 5,519,000 | $ 501,727 | $ 0 |
| San Francisco, California | 7 | $ 5,069,000 | $ 724,142 | $ 0 |
| Sonoma, California | 7 | $ 2,540,000 | $ 362,857 | $ 0 |
| Middlesex, Massachusetts | 7 | $ 3,286,000 | $ 469,428 | $ 0 |
| Maricopa, Arizona | 6 | $ 2,688,000 | $ 448,000 | $ 0 |
| Essex, Massachusetts | 6 | $ 2,349,000 | $ 391,500 | $ 0 |
| Hennepin, Minnesota | 6 | $ 1,534,000 | $ 255,666 | $ 0 |
| Fairfax, Virginia | 6 | $ 2,634,000 | $ 439,000 | $ 0 |
| Fresno, California | 5 | $ 1,291,000 | $ 258,200 | $ 41,000 |
| Mono, California | 5 | $ 1,889,000 | $ 377,800 | $ 28,000 |
| Placer, California | 5 | $ 2,259,000 | $ 451,800 | $ 0 |
| San Luis Obispo, California | 5 | $ 2,247,000 | $ 449,400 | $ 0 |
| Santa Cruz, California | 5 | $ 2,972,000 | $ 594,400 | $ 0 |
| Ocean, New Jersey | 5 | $ 2,260,000 | $ 452,000 | $ 0 |
| New York, New York | 5 | $ 2,183,000 | $ 436,600 | $ 0 |
| Solano, California | 4 | $ 1,391,000 | $ 347,750 | $ 0 |
| Collier, Florida | 4 | $ 2,315,000 | $ 578,750 | $ 0 |
| DuPage, Illinois | 4 | $ 2,176,000 | $ 544,000 | $ 0 |
| Lake, Illinois | 4 | $ 2,874,000 | $ 718,500 | $ 0 |
| St. Louis, Missouri | 4 | $ 1,737,000 | $ 434,250 | $ 0 |
| Kings, New York | 4 | $ 1,908,000 | $ 477,000 | $ 0 |
| Westchester, New York | 4 | $ 2,772,000 | $ 693,000 | $ 0 |
| Napa, California | 3 | $ 1,331,000 | $ 443,666 | $ 0 |
| District of Columbia, District Of Columbia | 3 | $ 1,606,000 | $ 535,333 | $ 0 |
| Palm Beach, Florida | 3 | $ 1,653,000 | $ 551,000 | $ 0 |
| Norfolk, Massachusetts | 3 | $ 1,316,000 | $ 438,666 | $ 0 |
| Plymouth, Massachusetts | 3 | $ 1,167,000 | $ 389,000 | $ 0 |
| Oakland, Michigan | 3 | $ 1,689,000 | $ 563,000 | $ 0 |
| Washtenaw, Michigan | 3 | $ 1,551,000 | $ 517,000 | $ 0 |
| Bergen, New Jersey | 3 | $ 1,846,000 | $ 615,333 | $ 0 |
| Monmouth, New Jersey | 3 | $ 1,839,000 | $ 613,000 | $ 0 |
| Santa Fe, New Mexico | 3 | $ 1,605,000 | $ 535,000 | $ 0 |
| Nassau, New York | 3 | $ 1,642,000 | $ 547,333 | $ 0 |
| Suffolk, New York | 3 | $ 1,579,000 | $ 526,333 | $ 0 |
| Hamilton, Ohio | 3 | $ 1,313,000 | $ 437,666 | $ 0 |
| Harris, Texas | 3 | $ 1,697,000 | $ 565,666 | $ 0 |
| Arlington, Virginia | 3 | $ 1,522,000 | $ 507,333 | $ 0 |
| Kern, California | 2 | $ 359,000 | $ 179,500 | $ 41,000 |
| San Joaquin, California | 2 | $ 712,000 | $ 356,000 | $ 34,000 |
| Shasta, California | 2 | $ 735,000 | $ 367,500 | $ 22,000 |
| Yolo, California | 2 | $ 548,000 | $ 274,000 | $ 0 |
| Jefferson, Colorado | 2 | $ 1,214,000 | $ 607,000 | $ 0 |
| New Haven, Connecticut | 2 | $ 911,000 | $ 455,500 | $ 0 |
| Lee, Florida | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Miami-Dade, Florida | 2 | $ 1,072,000 | $ 536,000 | $ 0 |
| Monroe, Florida | 2 | $ 853,000 | $ 426,500 | $ 0 |
| Okaloosa, Florida | 2 | $ 944,000 | $ 472,000 | $ 0 |
| Pinellas, Florida | 2 | $ 509,000 | $ 254,500 | $ 0 |
| Washoe, Nevada | 2 | $ 1,309,000 | $ 654,500 | $ 0 |
| Somerset, New Jersey | 2 | $ 1,008,000 | $ 504,000 | $ 0 |
| Orange, New York | 2 | $ 1,058,000 | $ 529,000 | $ 0 |
| Richmond, New York | 2 | $ 682,000 | $ 341,000 | $ 0 |
| Currituck, North Carolina | 2 | $ 1,000,000 | $ 500,000 | $ 0 |
| Franklin, Ohio | 2 | $ 713,000 | $ 356,500 | $ 0 |
| Dallas, Texas | 2 | $ 1,225,000 | $ 612,500 | $ 0 |
| Travis, Texas | 2 | $ 864,000 | $ 432,000 | $ 0 |
| Chittenden, Vermont | 2 | $ 932,000 | $ 466,000 | $ 0 |
| Loudoun, Virginia | 2 | $ 733,000 | $ 366,500 | $ 0 |
| Baldwin, Alabama | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Pima, Arizona | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| El Dorado, California | 1 | $ 247,000 | $ 247,000 | $ 0 |
| Imperial, California | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Nevada, California | 1 | $ 560,000 | $ 560,000 | $ 0 |
| San Benito, California | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Douglas, Colorado | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Larimer, Colorado | 1 | $ 437,000 | $ 437,000 | $ 0 |
| New Castle, Delaware | 1 | $ 488,000 | $ 488,000 | $ 0 |
| Broward, Florida | 1 | $ 840,000 | $ 840,000 | $ 0 |
| Franklin, Florida | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Hillsborough, Florida | 1 | $ 550,000 | $ 550,000 | $ 0 |
| Sarasota, Florida | 1 | $ 635,000 | $ 635,000 | $ 0 |
| St. Johns, Florida | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Valley, Idaho | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Will, Illinois | 1 | $ 409,000 | $ 409,000 | $ 0 |
| Carroll, Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Johnson, Kansas | 1 | $ 453,000 | $ 453,000 | $ 0 |
| Jefferson, Kentucky | 1 | $ 472,000 | $ 472,000 | $ 0 |
| Anne Arundel, Maryland | 1 | $ 459,000 | $ 459,000 | $ 0 |
| Carroll, Maryland | 1 | $ 374,000 | $ 374,000 | $ 0 |
| Frederick, Maryland | 1 | $ 608,000 | $ 608,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Berrien, Michigan | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Ingham, Michigan | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Wayne, Michigan | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Hinds, Mississippi | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Lamar, Mississippi | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Jackson, Missouri | 1 | $ 746,000 | $ 746,000 | $ 0 |
| St. Louis City, Missouri | 1 | $ 504,000 | $ 504,000 | $ 0 |
| Clark, Nevada | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Burlington, New Jersey | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Camden, New Jersey | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Cape May, New Jersey | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Hunterdon, New Jersey | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Morris, New Jersey | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Sandoval, New Mexico | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Josephine, Oregon | 1 | $ 207,000 | $ 207,000 | $ 0 |
| Washington, Oregon | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Chester, Pennsylvania | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Delaware, Pennsylvania | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Horry, South Carolina | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Cheatham, Tennessee | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Davidson, Tennessee | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Parker, Texas | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Davis, Utah | 1 | $ 638,000 | $ 638,000 | $ 0 |
| Salt Lake, Utah | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Summit, Utah | 1 | $ 937,000 | $ 937,000 | $ 0 |
| Alexandria, Virginia | 1 | $ 379,000 | $ 379,000 | $ 0 |
| Lancaster, Virginia | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Prince William, Virginia | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Snohomish, Washington | 1 | $ 262,000 | $ 262,000 | $ 0 |
| Thurston, Washington | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Waukesha, Wisconsin | 1 | $ 364,000 | $ 364,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pff Bank & Trust in 2004
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 | 1,424 | $500,005,000 | $441,551 | $2,480,000 | $3,275 | $3,093,000 |
| Home Purchase | 903 | $361,127,000 | $507,933 | $1,620,000 | $7,666 | $3,164,000 |
| Home Improvement | 2 | $48,000 | $24,000 | $38,000 | $33,000 | $34,000 |
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 | 1,433 | $544,099,000 | $478,705 | $2,480,000 | $6,529 | $3,093,000 |
| Not Provided | 339 | $140,344,000 | $524,913 | $1,750,000 | $6,217 | $3,093,000 |
| Hispanic | 290 | $70,036,000 | $412,000 | $1,620,000 | $30,750 | $822,000 |
| Asian | 116 | $53,507,000 | $360,375 | $1,000,000 | $23,500 | $434,000 |
| Not applicable | 72 | $27,766,000 | $610,750 | $1,016,000 | $170,250 | $3,093,000 |
| Black or African American | 62 | $20,355,000 | $304,000 | $931,000 | $15,600 | $215,000 |
| American Indian or Alaskan Native | 9 | $3,115,000 | $350,000 | $999,000 | $82,000 | $1,131,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,958,000 | $244,000 | $354,000 | $458,000 | $3,164,000 |
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) | 2,326 | $860,588,000 | $473,444 | $2,480,000 | $5,500 | $3,164,000 |
| FHA-insured (Federal Housing Administration) | 3 | $592,000 | $201,000 | $213,000 | $62,500 | $85,000 |
| 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 | 1,147 | $352,042,000 | $223,500 | $2,480,000 | $159,500 | $3,164,000 |
| Loan Purchased By The Institution | 768 | $397,981,000 | $483,194 | $1,500,000 | $0 | $0 |
| Application Denied By Financial Institution | 147 | $34,886,000 | $237,000 | $1,189,000 | $72,500 | $974,000 |
| Application Withdrawn By Applicant | 135 | $35,838,000 | $313,500 | $1,000,000 | $110,000 | $582,000 |
| File Closed For Incompleteness | 79 | $22,044,000 | $290,000 | $900,000 | $98,500 | $392,000 |
| Application Approved But Not Accepted | 53 | $18,389,000 | $284,000 | $1,500,000 | $126,500 | $822,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 53 | $12,430,000 | $275,500 | $1,189,000 | $71,000 | $298,000 |
| Debt-To-Income Ratio | 52 | $13,453,000 | $251,500 | $760,000 | $60,500 | $220,000 |
| Other | 17 | $4,455,000 | $262,000 | $525,000 | $89,000 | $192,000 |
| Collateral | 15 | $2,456,000 | $163,000 | $375,000 | $89,000 | $198,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $691,000 | $172,000 | $376,000 | $41,000 | $134,000 |
| Mortgage Insurance Denied | 4 | $396,000 | $76,000 | $202,000 | $57,500 | $87,000 |
| Credit Application Incomplete | 2 | $1,005,000 | $502,500 | $750,000 | $511,500 | $974,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pff Bank & Trust's 2004 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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