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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino, CA | 1,087 | $ 210,255,000 | $ 193,426 | $ 87,000 |
| Los Angeles-Long Beach, CA | 779 | $ 273,031,000 | $ 350,489 | $ 157,000 |
| Orange County, CA | 585 | $ 259,957,000 | $ 444,370 | $ 124,000 |
| San Jose, CA | 203 | $ 100,186,000 | $ 493,527 | $ 15,000 |
| San Diego, CA | 155 | $ 63,380,000 | $ 408,903 | $ 278,000 |
| Oakland, CA | 125 | $ 56,286,000 | $ 450,288 | $ 10,000 |
| San Francisco, CA | 70 | $ 37,120,000 | $ 530,285 | $ 9,000 |
| Ventura, CA | 59 | $ 25,601,000 | $ 433,915 | $ 29,000 |
| Chicago, IL | 30 | $ 14,978,000 | $ 499,266 | $ 0 |
| Boston, MA-NH | 18 | $ 7,969,000 | $ 442,722 | $ 0 |
| Santa Cruz-Watsonville, CA | 14 | $ 6,285,000 | $ 448,928 | $ 0 |
| Sacramento, CA | 13 | $ 6,162,000 | $ 474,000 | $ 6,000 |
| Denver, CO | 7 | $ 2,873,000 | $ 410,428 | $ 0 |
| Santa Barbara-Santa Maria-Lompoc, CA | 7 | $ 3,173,000 | $ 453,285 | $ 20,000 |
| Nassau-Suffolk, NY | 6 | $ 3,109,000 | $ 518,166 | $ 0 |
| New York, NY | 6 | $ 3,300,000 | $ 550,000 | $ 0 |
| Minneapolis-St. Paul, MN-WI | 5 | $ 2,343,000 | $ 468,600 | $ 0 |
| Modesto, CA | 5 | $ 2,406,000 | $ 481,200 | $ 0 |
| Salinas, CA | 5 | $ 2,345,000 | $ 469,000 | $ 0 |
| Vallejo-Fairfield-Napa, CA | 5 | $ 2,183,000 | $ 436,600 | $ 0 |
| Seattle-Bellevue-Everett, WA | 4 | $ 1,623,000 | $ 405,750 | $ 0 |
| Atlanta, GA | 3 | $ 1,769,000 | $ 589,666 | $ 0 |
| Bakersfield, CA | 3 | $ 143,000 | $ 47,666 | $ 118,000 |
| Detroit, MI | 3 | $ 1,095,000 | $ 365,000 | $ 0 |
| Pensacola, FL | 3 | $ 1,344,000 | $ 448,000 | $ 0 |
| Phoenix-Mesa, AZ | 3 | $ 2,410,000 | $ 803,333 | $ 0 |
| Santa Rosa, CA | 3 | $ 1,660,000 | $ 553,333 | $ 0 |
| Stockton-Lodi, CA | 3 | $ 1,021,000 | $ 340,333 | $ 17,000 |
| West Palm Beach-Boca Raton, FL | 3 | $ 1,270,000 | $ 423,333 | $ 0 |
| Baltimore, MD | 2 | $ 939,000 | $ 469,500 | $ 0 |
| Fort Lauderdale, FL | 2 | $ 1,044,000 | $ 522,000 | $ 0 |
| Fresno, CA | 2 | $ 807,000 | $ 403,500 | $ 0 |
| Houston, TX | 2 | $ 805,000 | $ 402,500 | $ 0 |
| Las Vegas, NV-AZ | 2 | $ 968,000 | $ 484,000 | $ 0 |
| Lowell, MA-NH | 2 | $ 1,085,000 | $ 542,500 | $ 0 |
| Milwaukee-Waukesha, WI | 2 | $ 726,000 | $ 363,000 | $ 0 |
| New Orleans, LA | 2 | $ 1,212,000 | $ 606,000 | $ 0 |
| Raleigh-Durham-Chapel Hill, NC | 2 | $ 725,000 | $ 362,500 | $ 0 |
| San Luis Obispo-Atascadero-Paso Robles, CA | 2 | $ 1,128,000 | $ 564,000 | $ 0 |
| Washington, DC-MD-VA-WV | 2 | $ 868,000 | $ 434,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Austin-San Marcos, TX | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Brockton, MA | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Flagstaff, AZ-UT | 1 | $ 401,000 | $ 401,000 | $ 0 |
| Fort Collins-Loveland, CO | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Fort Walton Beach, FL | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Hartford, CT | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Indianapolis, IN | 1 | $ 354,000 | $ 354,000 | $ 0 |
| Jacksonville, FL | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Jersey City, NJ | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Kalamazoo-Battle Creek, MI | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Medford-Ashland, OR | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Miami, FL | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Myrtle Beach, SC | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Nashua, NH | 1 | $ 427,000 | $ 427,000 | $ 0 |
| Nashville, TN | 1 | $ 554,000 | $ 554,000 | $ 0 |
| Newark, NJ | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Omaha, NE-IA | 1 | $ 433,000 | $ 433,000 | $ 0 |
| Orlando, FL | 1 | $ 451,000 | $ 451,000 | $ 0 |
| Peoria-Pekin, IL | 1 | $ 710,000 | $ 710,000 | $ 0 |
| Philadelphia, PA-NJ | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Salt Lake City-Ogden, UT | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| San Antonio, TX | 1 | $ 995,000 | $ 995,000 | $ 0 |
| Santa Fe, NM | 1 | $ 350,000 | $ 350,000 | $ 0 |
| St. Louis, MO-IL | 1 | $ 450,000 | $ 450,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Worcester, MA-CT | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Yolo, CA | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Yuba City, CA | 1 | $ 406,000 | $ 406,000 | $ 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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