Pff Bank & Trust Mortgage Lending & HMDA Data, 2005
In 2005, Pff Bank & Trust of Rancho Cucamonga, CA reported 1,483 mortgage applications totaling $560.8 million, down 36% from 2004. The average application was for $378,182, and applicants reported an average income of $136,248. 69% of its applications resulted in an originated loan and 6% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (690), Los Angeles-Long Beach-Glendale, CA (347) and Santa Ana-Anaheim-Irvine, CA (189) (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 | 1,483 |
| Total Mortgage Loan Application Amount | $560,845,000 |
| Average Mortgage Loan Application Amount | $378,182 |
| Highest Mortgage Loan Application Amount | $4,650,000 |
| Average Applicant Income | $136,248 |
| Highest Applicant Income | $3,093,000 |
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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 690 | $ 199,467,000 | $ 289,082 | $ 137,000 |
| Los Angeles-Long Beach-Glendale, CA | 347 | $ 161,879,000 | $ 466,510 | $ 120,000 |
| Santa Ana-Anaheim-Irvine, CA | 189 | $ 98,552,000 | $ 521,439 | $ 163,000 |
| San Diego-Carlsbad-San Marcos, CA | 101 | $ 41,649,000 | $ 412,366 | $ 349,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 20 | $ 9,121,000 | $ 456,050 | $ 94,000 |
| Oakland-Fremont-Hayward, CA | 10 | $ 3,948,000 | $ 394,800 | $ 22,000 |
| Stockton, CA | 8 | $ 2,161,000 | $ 270,125 | $ 0 |
| Bakersfield, CA | 6 | $ 1,201,000 | $ 200,166 | $ 99,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 3,315,000 | $ 552,500 | $ 50,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 6 | $ 3,760,000 | $ 626,666 | $ 107,000 |
| Modesto, CA | 5 | $ 1,544,000 | $ 308,800 | $ 40,000 |
| San Luis Obispo-Paso Robles, CA | 4 | $ 1,477,000 | $ 369,250 | $ 124,000 |
| Las Vegas-Paradise, NV | 3 | $ 786,000 | $ 262,000 | $ 120,000 |
| San Francisco-San Mateo-Redwood City, CA | 3 | $ 2,074,000 | $ 691,333 | $ 311,000 |
| Vallejo-Fairfield, CA | 3 | $ 840,000 | $ 280,000 | $ 27,000 |
| Chico, CA | 2 | $ 824,000 | $ 412,000 | $ 123,000 |
| El Centro, CA | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Honolulu, HI | 2 | $ 3,380,000 | $ 1,690,000 | $ 1,266,000 |
| Salinas, CA | 2 | $ 1,144,000 | $ 572,000 | $ 115,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 2 | $ 641,000 | $ 320,500 | $ 19,000 |
| Yuba City, CA | 2 | $ 664,000 | $ 332,000 | $ 193,000 |
| Napa, CA | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Redding, CA | 1 | $ 242,000 | $ 242,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 487,000 | $ 487,000 | $ 0 |
| Santa Rosa-Petaluma, CA | 1 | $ 302,000 | $ 302,000 | $ 0 |
Mortgage Loan Application Detail Totals for Pff Bank & Trust in 2005
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 | 913 | $307,993,000 | $337,000 | $2,175,000 | $115,000 | $2,895,000 |
| Home Purchase | 563 | $252,365,000 | $678,500 | $4,650,000 | $411,750 | $3,093,000 |
| Home Improvement | 7 | $487,000 | $69,000 | $120,000 | $58,000 | $116,000 |
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 | 902 | $345,931,000 | $497,000 | $3,700,000 | $388,000 | $2,904,000 |
| Hispanic | 245 | $73,018,000 | $250,000 | $1,790,000 | $73,000 | $840,000 |
| Not Provided | 112 | $48,060,000 | $372,500 | $2,980,000 | $42,500 | $861,000 |
| Not applicable | 80 | $35,747,000 | $1,361,500 | $4,650,000 | $1,164,500 | $3,093,000 |
| Black or African American | 71 | $22,713,000 | $319,000 | $1,033,000 | $88,000 | $251,000 |
| Asian | 62 | $31,132,000 | $665,000 | $2,247,000 | $139,500 | $407,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $2,624,000 | $324,000 | $1,240,000 | $57,000 | $169,000 |
| American Indian or Alaskan Native | 5 | $1,620,000 | $324,000 | $800,000 | $98,000 | $238,000 |
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) | 1,482 | $560,550,000 | $661,000 | $4,650,000 | $404,500 | $3,093,000 |
| FHA-insured (Federal Housing Administration) | 1 | $295,000 | $295,000 | $295,000 | $67,000 | $67,000 |
| 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 | 1,022 | $385,148,000 | $775,333 | $2,980,000 | $533,000 | $2,904,000 |
| Loan Purchased By The Institution | 136 | $68,999,000 | $507,000 | $3,700,000 | $0 | $0 |
| Application Withdrawn By Applicant | 109 | $34,681,000 | $298,000 | $4,650,000 | $92,666 | $1,565,000 |
| Application Denied By Financial Institution | 86 | $25,059,000 | $219,500 | $1,200,000 | $74,000 | $384,000 |
| Application Approved But Not Accepted | 73 | $24,062,000 | $329,000 | $750,000 | $316,000 | $1,232,000 |
| File Closed For Incompleteness | 56 | $22,396,000 | $613,000 | $1,000,000 | $230,000 | $3,093,000 |
| Preapproval Approved but not Accepted | 1 | $500,000 | $500,000 | $500,000 | $166,000 | $166,000 |
| 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 | 37 | $11,595,000 | $321,000 | $1,200,000 | $82,000 | $171,000 |
| Credit History | 23 | $5,281,000 | $165,000 | $620,000 | $68,000 | $384,000 |
| Collateral | 13 | $4,529,000 | $348,000 | $980,000 | $103,000 | $286,000 |
| Other | 9 | $2,821,000 | $313,000 | $680,000 | $115,000 | $240,000 |
| Mortgage Insurance Denied | 2 | $458,000 | $229,000 | $432,000 | $104,000 | $150,000 |
| Credit Application Incomplete | 1 | $175,000 | $175,000 | $175,000 | $95,000 | $95,000 |
| Employment History | 1 | $200,000 | $200,000 | $200,000 | $58,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 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 2005 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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