Pff Bank & Trust Mortgage Lending & HMDA Data, 2006
In 2006, Pff Bank & Trust of Rancho Cucamonga, CA reported 1,266 mortgage applications totaling $497.5 million, down 15% from 2005. The average application was for $392,947, and applicants reported an average income of $191,130. 75% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (662), Los Angeles-Long Beach-Glendale, CA (296) and Santa Ana-Anaheim-Irvine, CA (130) (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 | 1,266 |
| Total Mortgage Loan Application Amount | $497,472,000 |
| Average Mortgage Loan Application Amount | $392,947 |
| Highest Mortgage Loan Application Amount | $6,200,000 |
| Average Applicant Income | $191,130 |
| Highest Applicant Income | $2,904,000 |
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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 662 | $ 204,985,000 | $ 309,645 | $ 205,000 |
| Los Angeles-Long Beach-Glendale, CA | 296 | $ 136,314,000 | $ 460,520 | $ 151,000 |
| Santa Ana-Anaheim-Irvine, CA | 130 | $ 73,811,000 | $ 567,776 | $ 174,000 |
| San Diego-Carlsbad-San Marcos, CA | 65 | $ 35,592,000 | $ 547,569 | $ 202,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 8 | $ 3,316,000 | $ 414,500 | $ 235,000 |
| Fresno, CA | 5 | $ 1,069,000 | $ 213,800 | $ 211,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 5 | $ 1,498,000 | $ 299,600 | $ 179,000 |
| Las Vegas-Paradise, NV | 4 | $ 1,073,000 | $ 268,250 | $ 462,000 |
| Stockton, CA | 4 | $ 1,589,000 | $ 397,250 | $ 248,000 |
| Bakersfield, CA | 3 | $ 1,035,000 | $ 345,000 | $ 91,000 |
| Merced, CA | 3 | $ 980,000 | $ 326,666 | $ 227,000 |
| Oakland-Fremont-Hayward, CA | 3 | $ 1,561,000 | $ 520,333 | $ 165,000 |
| Santa Barbara-Santa Maria, CA | 3 | $ 2,478,000 | $ 826,000 | $ 914,000 |
| El Centro, CA | 2 | $ 350,000 | $ 175,000 | $ 1,156,000 |
| San Francisco-San Mateo-Redwood City, CA | 2 | $ 1,360,000 | $ 680,000 | $ 240,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 2 | $ 886,000 | $ 443,000 | $ 140,000 |
| San Luis Obispo-Paso Robles, CA | 2 | $ 854,000 | $ 427,000 | $ 340,000 |
| Santa Cruz-Watsonville, CA | 2 | $ 678,000 | $ 339,000 | $ 353,000 |
| Visalia-Porterville, CA | 2 | $ 581,000 | $ 290,500 | $ 144,000 |
| Hanford-Corcoran, CA | 1 | $ 113,000 | $ 113,000 | $ 166,000 |
| Honolulu, HI | 1 | $ 2,500,000 | $ 2,500,000 | $ 1,640,000 |
| Madera, CA | 1 | $ 230,000 | $ 230,000 | $ 40,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 3,000,000 | $ 3,000,000 | $ 0 |
| Salt Lake City, UT | 1 | $ 1,525,000 | $ 1,525,000 | $ 1,389,000 |
| Vallejo-Fairfield, CA | 1 | $ 345,000 | $ 345,000 | $ 54,000 |
Mortgage Loan Application Detail Totals for Pff Bank & Trust in 2006
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 | 777 | $314,517,000 | $404,000 | $3,000,000 | $178,000 | $2,804,000 |
| Home Purchase | 366 | $174,972,000 | $478,000 | $6,200,000 | $254,000 | $2,904,000 |
| Home Improvement | 123 | $7,983,000 | $64,000 | $300,000 | $87,000 | $264,000 |
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 | 737 | $262,493,000 | $356,000 | $3,561,000 | $205,000 | $2,904,000 |
| Hispanic | 256 | $76,279,000 | $297,000 | $1,500,000 | $115,000 | $1,742,000 |
| Not Provided | 127 | $101,338,000 | $797,000 | $6,200,000 | $126,000 | $1,565,000 |
| Asian | 52 | $21,014,000 | $404,000 | $2,000,000 | $205,000 | $2,220,000 |
| Black or African American | 40 | $14,175,000 | $354,000 | $1,080,000 | $124,000 | $368,000 |
| Not applicable | 40 | $17,546,000 | $438,000 | $2,350,000 | $688,000 | $1,640,000 |
| Native Hawaiian or Other Pacific Islander | 9 | $2,815,000 | $312,000 | $615,000 | $126,000 | $205,000 |
| American Indian or Alaskan Native | 5 | $1,812,000 | $362,000 | $620,000 | $293,000 | $678,000 |
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) | 1,266 | $497,472,000 | $392,000 | $6,200,000 | $191,000 | $2,904,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 | 952 | $383,062,000 | $402,000 | $6,200,000 | $193,000 | $2,904,000 |
| Application Denied By Financial Institution | 98 | $36,306,000 | $370,000 | $3,561,000 | $136,000 | $2,220,000 |
| File Closed For Incompleteness | 78 | $26,008,000 | $333,000 | $1,440,000 | $221,000 | $2,904,000 |
| Application Withdrawn By Applicant | 71 | $29,473,000 | $415,000 | $2,750,000 | $125,000 | $1,184,000 |
| Application Approved But Not Accepted | 66 | $22,378,000 | $339,000 | $788,000 | $286,000 | $2,904,000 |
| Preapproval Approved but not Accepted | 1 | $245,000 | $245,000 | $245,000 | $87,000 | $87,000 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 | 42 | $15,144,000 | $360,000 | $995,000 | $89,000 | $360,000 |
| Collateral | 23 | $10,947,000 | $475,000 | $3,561,000 | $147,000 | $558,000 |
| Credit History | 21 | $5,663,000 | $269,000 | $612,000 | $99,000 | $216,000 |
| Other | 8 | $3,199,000 | $399,000 | $750,000 | $464,000 | $2,220,000 |
| Unverifiable Information | 2 | $948,000 | $474,000 | $788,000 | $113,000 | $186,000 |
| Credit Application Incomplete | 2 | $405,000 | $202,000 | $320,000 | $97,000 | $119,000 |
| Employment History | 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 2006 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.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About