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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
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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with aggregated HMDA statistics today.
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