Pff Bank & Trust Mortgage Lending & HMDA Data, 2008
In 2008, Pff Bank & Trust of Rancho Cucamonga, CA reported 891 mortgage applications totaling $288.8 million. The average application was for $324,142, and applicants reported an average income of $276,936. 52% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (377), Los Angeles-Long Beach-Glendale, CA (228) and Santa Ana-Anaheim-Irvine, CA (80) (applications in parentheses).
| Mortgage Company & Address | Pff Bank & Trust P. O. Box 2789 Rancho Cucamonga, CA 91729 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 |
| Total Number of Mortgage Applications | 891 |
| Total Mortgage Loan Application Amount | $288,811,000 |
| Average Mortgage Loan Application Amount | $324,142 |
| Highest Mortgage Loan Application Amount | $2,000,000 |
| Average Applicant Income | $276,936 |
| Highest Applicant Income | $9,915,000 |
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Act (HMDA) records Pff Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2008
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 489 | $152,229,000 | $311,000 | $2,000,000 | $322,000 | $9,915,000 |
| Refinancing | 354 | $132,716,000 | $374,000 | $1,768,000 | $238,000 | $4,577,000 |
| Home Improvement | 48 | $3,866,000 | $80,000 | $198,000 | $105,000 | $300,000 |
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 | 508 | $177,000,000 | $348,000 | $2,000,000 | $235,000 | $4,577,000 |
| Hispanic | 196 | $54,493,000 | $278,000 | $822,000 | $114,000 | $1,587,000 |
| Asian | 54 | $16,077,000 | $297,000 | $1,115,000 | $130,000 | $517,000 |
| Not Provided | 51 | $16,920,000 | $331,000 | $1,200,000 | $204,000 | $1,000,000 |
| Not applicable | 42 | $11,701,000 | $278,000 | $1,502,000 | $1,976,000 | $9,915,000 |
| Black or African American | 30 | $9,638,000 | $321,000 | $950,000 | $97,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,950,000 | $325,000 | $536,000 | $113,000 | $259,000 |
| American Indian or Alaskan Native | 4 | $1,032,000 | $258,000 | $544,000 | $188,000 | $228,000 |
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) | 880 | $286,212,000 | $325,000 | $2,000,000 | $280,000 | $9,915,000 |
| FHA-insured (Federal Housing Administration) | 10 | $2,192,000 | $219,000 | $368,000 | $62,000 | $111,000 |
| VA-guaranteed (Veterans Administration) | 1 | $407,000 | $407,000 | $407,000 | $22,000 | $22,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 465 | $151,145,000 | $325,000 | $2,000,000 | $355,000 | $9,915,000 |
| Application Denied By Financial Institution | 152 | $56,325,000 | $370,000 | $1,760,000 | $214,000 | $1,533,000 |
| File Closed For Incompleteness | 112 | $32,457,000 | $289,000 | $1,768,000 | $166,000 | $1,099,000 |
| Application Approved But Not Accepted | 64 | $21,660,000 | $338,000 | $1,000,000 | $251,000 | $1,506,000 |
| Application Withdrawn By Applicant | 59 | $16,937,000 | $287,000 | $1,200,000 | $201,000 | $1,587,000 |
| Preapproval Denied by Financial Institution | 26 | $6,591,000 | $253,000 | $479,000 | $70,000 | $154,000 |
| Preapproval Approved but not Accepted | 13 | $3,696,000 | $284,000 | $417,000 | $72,000 | $186,000 |
| 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 | 57 | $23,473,000 | $411,000 | $1,760,000 | $106,000 | $623,000 |
| Other | 40 | $12,972,000 | $324,000 | $1,400,000 | $410,000 | $1,475,000 |
| Collateral | 39 | $13,967,000 | $358,000 | $950,000 | $172,000 | $1,533,000 |
| Credit History | 25 | $7,438,000 | $297,000 | $822,000 | $119,000 | $460,000 |
| Mortgage Insurance Denied | 9 | $1,982,000 | $220,000 | $516,000 | $97,000 | $148,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,237,000 | $309,000 | $468,000 | $76,000 | $154,000 |
| Unverifiable Information | 2 | $712,000 | $356,000 | $508,000 | $265,000 | $384,000 |
| Credit Application Incomplete | 2 | $1,135,000 | $567,000 | $945,000 | $253,000 | $465,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Pff Bank & Trust's 2008 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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