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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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-Ontario, CA | 796 | $ 182,500,000 | $ 229,271 | $ 79,000 |
| Los Angeles-Long Beach-Glendale, CA | 497 | $ 191,010,000 | $ 384,325 | $ 122,000 |
| Santa Ana-Anaheim-Irvine, CA | 316 | $ 161,360,000 | $ 510,632 | $ 183,000 |
| San Diego-Carlsbad-San Marcos, CA | 124 | $ 52,676,000 | $ 424,806 | $ 571,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 70 | $ 38,606,000 | $ 551,514 | $ 27,000 |
| Oakland-Fremont-Hayward, CA | 52 | $ 26,757,000 | $ 514,557 | $ 0 |
| San Francisco-San Mateo-Redwood City, CA | 40 | $ 27,145,000 | $ 678,625 | $ 8,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 35 | $ 15,851,000 | $ 452,885 | $ 42,000 |
| Chicago-Naperville-Joliet, IL | 26 | $ 12,966,000 | $ 498,692 | $ 0 |
| Sacramento--Arden-Arcade--Roseville, CA | 20 | $ 6,615,000 | $ 330,750 | $ 3,000 |
| New York-Wayne-White Plains, NY-NJ | 15 | $ 7,545,000 | $ 503,000 | $ 0 |
| Seattle-Bellevue-Everett, WA | 12 | $ 5,781,000 | $ 481,750 | $ 0 |
| Edison, NJ | 11 | $ 5,832,000 | $ 530,181 | $ 0 |
| Santa Barbara-Santa Maria-Goleta, CA | 11 | $ 5,630,000 | $ 511,818 | $ 36,000 |
| Boston-Quincy, MA | 7 | $ 2,926,000 | $ 418,000 | $ 0 |
| Cambridge-Newton-Framingham, MA | 7 | $ 3,286,000 | $ 469,428 | $ 0 |
| Santa Rosa-Petaluma, CA | 7 | $ 2,540,000 | $ 362,857 | $ 0 |
| Essex County, MA | 6 | $ 2,349,000 | $ 391,500 | $ 0 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 6 | $ 1,534,000 | $ 255,666 | $ 0 |
| Nassau-Suffolk, NY | 6 | $ 3,221,000 | $ 536,833 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 6 | $ 2,688,000 | $ 448,000 | $ 0 |
| Fresno, CA | 5 | $ 1,291,000 | $ 258,200 | $ 41,000 |
| San Luis Obispo-Paso Robles, CA | 5 | $ 2,247,000 | $ 449,400 | $ 0 |
| Santa Cruz-Watsonville, CA | 5 | $ 2,972,000 | $ 594,400 | $ 0 |
| St. Louis, MO-IL | 5 | $ 2,241,000 | $ 448,200 | $ 0 |
| Lake County-Kenosha County, IL-WI | 4 | $ 2,874,000 | $ 718,500 | $ 0 |
| Naples-Marco Island, FL | 4 | $ 2,315,000 | $ 578,750 | $ 0 |
| Vallejo-Fairfield, CA | 4 | $ 1,391,000 | $ 347,750 | $ 0 |
| Ann Arbor, MI | 3 | $ 1,551,000 | $ 517,000 | $ 0 |
| Cincinnati-Middletown, OH-KY-IN | 3 | $ 1,313,000 | $ 437,666 | $ 0 |
| Denver-Aurora, CO | 3 | $ 1,570,000 | $ 523,333 | $ 0 |
| Houston-Baytown-Sugar Land, TX | 3 | $ 1,697,000 | $ 565,666 | $ 0 |
| Napa, CA | 3 | $ 1,331,000 | $ 443,666 | $ 0 |
| Santa Fe, NM | 3 | $ 1,605,000 | $ 535,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 1,059,000 | $ 353,000 | $ 0 |
| Warren-Farmington Hills-Troy, MI | 3 | $ 1,689,000 | $ 563,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 3 | $ 1,606,000 | $ 535,333 | $ 0 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 3 | $ 1,653,000 | $ 551,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 864,000 | $ 432,000 | $ 0 |
| Bakersfield, CA | 2 | $ 359,000 | $ 179,500 | $ 41,000 |
| Baltimore-Towson, MD | 2 | $ 833,000 | $ 416,500 | $ 0 |
| Burlington-South Burlington, VT | 2 | $ 932,000 | $ 466,000 | $ 0 |
| Camden, NJ | 2 | $ 772,000 | $ 386,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 2 | $ 760,000 | $ 380,000 | $ 0 |
| Columbus, OH | 2 | $ 713,000 | $ 356,500 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 1,225,000 | $ 612,500 | $ 0 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 944,000 | $ 472,000 | $ 0 |
| Nashville-Davidson--Murfreesboro, TN | 2 | $ 809,000 | $ 404,500 | $ 0 |
| New Haven-Milford, CT | 2 | $ 911,000 | $ 455,500 | $ 0 |
| Newark-Union, NJ-PA | 2 | $ 742,000 | $ 371,000 | $ 0 |
| Philadelphia, PA | 2 | $ 1,296,000 | $ 648,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 2 | $ 1,058,000 | $ 529,000 | $ 0 |
| Redding, CA | 2 | $ 735,000 | $ 367,500 | $ 22,000 |
| Reno-Sparks, NV | 2 | $ 1,309,000 | $ 654,500 | $ 0 |
| Salt Lake City, UT | 2 | $ 1,537,000 | $ 768,500 | $ 0 |
| Stockton, CA | 2 | $ 712,000 | $ 356,000 | $ 34,000 |
| Albuquerque, NM | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 608,000 | $ 608,000 | $ 0 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 389,000 | $ 389,000 | $ 0 |
| El Centro, CA | 1 | $ 60,000 | $ 60,000 | $ 17,000 |
| Fort Collins-Loveland, CO | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 840,000 | $ 840,000 | $ 0 |
| Fort Worth-Arlington, TX | 1 | $ 142,000 | $ 142,000 | $ 58,000 |
| Hattiesburg, MS | 1 | $ 432,000 | $ 432,000 | $ 0 |
| Jackson, MS | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Jacksonville, FL | 1 | $ 470,000 | $ 470,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 746,000 | $ 746,000 | $ 0 |
| Lafayette, IN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Las Vegas-Paradise, NV | 1 | $ 705,000 | $ 705,000 | $ 0 |
| Louisville, KY-IN | 1 | $ 472,000 | $ 472,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 800,000 | $ 800,000 | $ 0 |
| Niles-Benton Harbor, MI | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Ocean City, NJ | 1 | $ 588,000 | $ 588,000 | $ 0 |
| Ogden-Clearfield, UT | 1 | $ 638,000 | $ 638,000 | $ 0 |
| Olympia, WA | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Tucson, AZ | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 488,000 | $ 488,000 | $ 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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