Bank of the West Mortgage Lending & HMDA Data, 2003
In 2003, Bank of the West of Monterey Park, CA reported 11,197 mortgage applications totaling $2.3 billion. The average application was for $201,162, and applicants reported an average income of $80,348. 48% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach, CA (1,755), Oakland, CA (1,361) and Orange County, CA (985) (applications in parentheses).
| Mortgage Company & Address | Bank of the West 1977 Saturn Street Ms Sc-Mpk-03-N Monterey Park, CA 91755 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 11,197 |
| Total Mortgage Loan Application Amount | $2,252,412,000 |
| Average Mortgage Loan Application Amount | $201,162 |
| Highest Mortgage Loan Application Amount | $9,000,000 |
| Average Applicant Income | $80,348 |
| Highest Applicant Income | $5,657,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 1,755 | $ 411,824,000 | $ 234,657 | $ 94,000 |
| Orange, California | 985 | $ 276,441,000 | $ 280,650 | $ 102,000 |
| Santa Clara, California | 794 | $ 173,367,000 | $ 218,346 | $ 83,000 |
| Alameda, California | 748 | $ 153,844,000 | $ 205,673 | $ 80,000 |
| Contra Costa, California | 613 | $ 119,626,000 | $ 195,148 | $ 84,000 |
| Stanislaus, California | 449 | $ 43,727,000 | $ 97,387 | $ 68,000 |
| Fresno, California | 357 | $ 34,842,000 | $ 97,596 | $ 71,000 |
| Bernalillo, New Mexico | 332 | $ 28,020,000 | $ 84,397 | $ 59,000 |
| Sacramento, California | 287 | $ 34,470,000 | $ 120,104 | $ 72,000 |
| San Bernardino, California | 268 | $ 35,124,000 | $ 131,059 | $ 87,000 |
| Sonoma, California | 253 | $ 37,161,000 | $ 146,881 | $ 87,000 |
| San Mateo, California | 242 | $ 66,510,000 | $ 274,834 | $ 119,000 |
| San Diego, California | 229 | $ 81,740,000 | $ 356,943 | $ 100,000 |
| San Joaquin, California | 222 | $ 23,645,000 | $ 106,509 | $ 71,000 |
| Solano, California | 201 | $ 25,734,000 | $ 128,029 | $ 80,000 |
| San Francisco, California | 196 | $ 52,993,000 | $ 270,372 | $ 119,000 |
| Ventura, California | 171 | $ 48,140,000 | $ 281,520 | $ 89,000 |
| Butte, California | 153 | $ 10,965,000 | $ 71,666 | $ 50,000 |
| Multnomah, Oregon | 149 | $ 20,250,000 | $ 135,906 | $ 73,000 |
| Washington, Oregon | 136 | $ 14,212,000 | $ 104,500 | $ 78,000 |
| Kern, California | 133 | $ 11,891,000 | $ 89,406 | $ 118,000 |
| Tulare, California | 124 | $ 12,289,000 | $ 99,104 | $ 60,000 |
| Placer, California | 119 | $ 17,389,000 | $ 146,126 | $ 89,000 |
| Clark, Nevada | 111 | $ 12,189,000 | $ 109,810 | $ 87,000 |
| Yolo, California | 108 | $ 9,326,000 | $ 86,351 | $ 57,000 |
| Riverside, California | 94 | $ 16,406,000 | $ 174,531 | $ 142,000 |
| Kings, California | 88 | $ 6,154,000 | $ 69,931 | $ 57,000 |
| Clackamas, Oregon | 85 | $ 13,049,000 | $ 153,517 | $ 112,000 |
| Lake, California | 84 | $ 4,956,000 | $ 59,000 | $ 40,000 |
| Nevada, California | 78 | $ 10,995,000 | $ 140,961 | $ 56,000 |
| Marin, California | 69 | $ 23,778,000 | $ 344,608 | $ 144,000 |
| Santa Cruz, California | 66 | $ 15,294,000 | $ 231,727 | $ 115,000 |
| King, Washington | 63 | $ 29,418,000 | $ 466,952 | $ 63,000 |
| Washoe, Nevada | 55 | $ 8,020,000 | $ 145,818 | $ 81,000 |
| Napa, California | 54 | $ 8,259,000 | $ 152,944 | $ 82,000 |
| Lincoln, Oregon | 54 | $ 4,050,000 | $ 75,000 | $ 48,000 |
| El Dorado, California | 47 | $ 7,938,000 | $ 168,893 | $ 88,000 |
| Benton, Washington | 45 | $ 3,848,000 | $ 85,511 | $ 59,000 |
| Santa Barbara, California | 41 | $ 11,442,000 | $ 279,073 | $ 190,000 |
| Sandoval, New Mexico | 39 | $ 5,080,000 | $ 130,256 | $ 71,000 |
| Cook, Illinois | 34 | $ 16,852,000 | $ 495,647 | $ 0 |
| Maricopa, Arizona | 29 | $ 14,179,000 | $ 488,931 | $ 0 |
| Valencia, New Mexico | 29 | $ 2,019,000 | $ 69,620 | $ 49,000 |
| Kittitas, Washington | 28 | $ 2,881,000 | $ 102,892 | $ 75,000 |
| Fairfax, Virginia | 27 | $ 11,681,000 | $ 432,629 | $ 0 |
| Monterey, California | 26 | $ 7,604,000 | $ 292,461 | $ 72,000 |
| Washington, Idaho | 23 | $ 1,215,000 | $ 52,826 | $ 41,000 |
| Oakland, Michigan | 22 | $ 10,301,000 | $ 468,227 | $ 0 |
| Columbia, Oregon | 21 | $ 3,109,000 | $ 148,047 | $ 45,000 |
| Madera, California | 20 | $ 1,720,000 | $ 86,000 | $ 66,000 |
| Franklin, Washington | 20 | $ 1,230,000 | $ 61,500 | $ 30,000 |
| Marion, Oregon | 18 | $ 1,474,000 | $ 81,888 | $ 35,000 |
| Yakima, Washington | 18 | $ 1,981,000 | $ 110,055 | $ 31,000 |
| Umatilla, Oregon | 17 | $ 1,752,000 | $ 103,058 | $ 65,000 |
| Wasco, Oregon | 17 | $ 1,566,000 | $ 92,117 | $ 69,000 |
| Merced, California | 16 | $ 1,896,000 | $ 118,500 | $ 47,000 |
| Canyon, Idaho | 16 | $ 1,074,000 | $ 67,125 | $ 53,000 |
| Calaveras, California | 15 | $ 1,211,000 | $ 80,733 | $ 106,000 |
| San Luis Obispo, California | 14 | $ 4,931,000 | $ 352,214 | $ 185,000 |
| Middlesex, Massachusetts | 14 | $ 6,748,000 | $ 482,000 | $ 0 |
| Malheur, Oregon | 14 | $ 830,000 | $ 59,285 | $ 61,000 |
| Fairfield, Connecticut | 13 | $ 6,371,000 | $ 490,076 | $ 0 |
| Ada, Idaho | 13 | $ 1,348,000 | $ 103,692 | $ 45,000 |
| Dona Ana, New Mexico | 13 | $ 507,000 | $ 39,000 | $ 47,000 |
| Tuolumne, California | 12 | $ 930,000 | $ 77,500 | $ 57,000 |
| Lake, Illinois | 12 | $ 5,592,000 | $ 466,000 | $ 0 |
| Montgomery, Maryland | 12 | $ 6,456,000 | $ 538,000 | $ 0 |
| Washtenaw, Michigan | 10 | $ 5,772,000 | $ 577,200 | $ 0 |
| Hennepin, Minnesota | 10 | $ 3,914,000 | $ 391,400 | $ 0 |
| St. Louis, Missouri | 10 | $ 5,367,000 | $ 536,700 | $ 0 |
| Nassau, New York | 10 | $ 4,437,000 | $ 443,700 | $ 0 |
| Westchester, New York | 10 | $ 5,722,000 | $ 572,200 | $ 0 |
| Arlington, Virginia | 10 | $ 4,595,000 | $ 459,500 | $ 0 |
| Loudoun, Virginia | 10 | $ 4,179,000 | $ 417,900 | $ 0 |
| San Benito, California | 9 | $ 1,199,000 | $ 133,222 | $ 86,000 |
| Carson City, Nevada | 9 | $ 684,000 | $ 76,000 | $ 58,000 |
| Suffolk, New York | 9 | $ 4,142,000 | $ 460,222 | $ 0 |
| Jefferson, Oregon | 9 | $ 636,000 | $ 70,666 | $ 62,000 |
| Yamhill, Oregon | 9 | $ 1,379,000 | $ 153,222 | $ 49,000 |
| Clark, Washington | 9 | $ 2,550,000 | $ 283,333 | $ 99,000 |
| Mariposa, California | 8 | $ 1,097,000 | $ 137,125 | $ 89,000 |
| Sutter, California | 8 | $ 706,000 | $ 88,250 | $ 49,000 |
| Broward, Florida | 8 | $ 3,522,000 | $ 440,250 | $ 0 |
| Wake, North Carolina | 8 | $ 3,324,000 | $ 415,500 | $ 0 |
| Snohomish, Washington | 8 | $ 3,334,000 | $ 416,750 | $ 19,000 |
| Amador, California | 7 | $ 645,000 | $ 92,142 | $ 101,000 |
| DuPage, Illinois | 7 | $ 3,405,000 | $ 486,428 | $ 0 |
| Norfolk, Massachusetts | 7 | $ 3,249,000 | $ 464,142 | $ 0 |
| Prince William, Virginia | 7 | $ 2,855,000 | $ 407,857 | $ 0 |
| Yuba, California | 6 | $ 418,000 | $ 69,666 | $ 45,000 |
| Douglas, Colorado | 6 | $ 2,617,000 | $ 436,166 | $ 0 |
| Essex, Massachusetts | 6 | $ 2,659,000 | $ 443,166 | $ 0 |
| Lyon, Nevada | 6 | $ 700,000 | $ 116,666 | $ 35,000 |
| Bergen, New Jersey | 6 | $ 2,840,000 | $ 473,333 | $ 0 |
| Polk, Oregon | 6 | $ 624,000 | $ 104,000 | $ 80,000 |
| Harris, Texas | 6 | $ 2,707,000 | $ 451,166 | $ 0 |
| Klickitat, Washington | 6 | $ 488,000 | $ 81,333 | $ 66,000 |
| Miami-Dade, Florida | 5 | $ 2,302,000 | $ 460,400 | $ 0 |
| Payette, Idaho | 5 | $ 243,000 | $ 48,600 | $ 56,000 |
| Wayne, Michigan | 5 | $ 2,803,000 | $ 560,600 | $ 0 |
| Monmouth, New Jersey | 5 | $ 1,972,000 | $ 394,400 | $ 0 |
| Shasta, California | 4 | $ 628,000 | $ 157,000 | $ 264,000 |
| Boulder, Colorado | 4 | $ 2,361,000 | $ 590,250 | $ 0 |
| Jefferson, Colorado | 4 | $ 2,118,000 | $ 529,500 | $ 0 |
| Johnson, Kansas | 4 | $ 1,605,000 | $ 401,250 | $ 0 |
| Worcester, Massachusetts | 4 | $ 2,082,000 | $ 520,500 | $ 0 |
| Somerset, New Jersey | 4 | $ 1,633,000 | $ 408,250 | $ 0 |
| Santa Fe, New Mexico | 4 | $ 553,000 | $ 138,250 | $ 25,000 |
| Deschutes, Oregon | 4 | $ 871,000 | $ 217,750 | $ 95,000 |
| Hood River, Oregon | 4 | $ 543,000 | $ 135,750 | $ 76,000 |
| Montgomery, Pennsylvania | 4 | $ 2,133,000 | $ 533,250 | $ 0 |
| Dallas, Texas | 4 | $ 2,163,000 | $ 540,750 | $ 0 |
| Travis, Texas | 4 | $ 2,035,000 | $ 508,750 | $ 0 |
| Jefferson, Alabama | 3 | $ 1,173,000 | $ 391,000 | $ 0 |
| Madison, Alabama | 3 | $ 1,389,000 | $ 463,000 | $ 0 |
| Mendocino, California | 3 | $ 1,276,000 | $ 425,333 | $ 46,000 |
| Plumas, California | 3 | $ 288,000 | $ 96,000 | $ 119,000 |
| Arapahoe, Colorado | 3 | $ 1,835,000 | $ 611,666 | $ 0 |
| Collier, Florida | 3 | $ 1,226,000 | $ 408,666 | $ 0 |
| Fulton, Georgia | 3 | $ 1,697,000 | $ 565,666 | $ 0 |
| Owyhee, Idaho | 3 | $ 137,000 | $ 45,666 | $ 25,000 |
| McHenry, Illinois | 3 | $ 1,196,000 | $ 398,666 | $ 0 |
| Livingston, Michigan | 3 | $ 1,362,000 | $ 454,000 | $ 0 |
| Ramsey, Minnesota | 3 | $ 1,546,000 | $ 515,333 | $ 0 |
| Douglas, Nevada | 3 | $ 580,000 | $ 193,333 | $ 46,000 |
| Cibola, New Mexico | 3 | $ 43,000 | $ 14,333 | $ 21,000 |
| Torrance, New Mexico | 3 | $ 124,000 | $ 41,333 | $ 40,000 |
| Kings, New York | 3 | $ 1,937,000 | $ 645,666 | $ 0 |
| Clatsop, Oregon | 3 | $ 1,338,000 | $ 446,000 | $ 143,000 |
| Jackson, Oregon | 3 | $ 165,000 | $ 55,000 | $ 101,000 |
| Alexandria, Virginia | 3 | $ 1,156,000 | $ 385,333 | $ 0 |
| Kitsap, Washington | 3 | $ 1,044,000 | $ 348,000 | $ 0 |
| Pierce, Washington | 3 | $ 822,000 | $ 274,000 | $ 39,000 |
| Walla Walla, Washington | 3 | $ 87,000 | $ 29,000 | $ 45,000 |
| Baldwin, Alabama | 2 | $ 794,000 | $ 397,000 | $ 0 |
| Shelby, Alabama | 2 | $ 1,073,000 | $ 536,500 | $ 0 |
| Pima, Arizona | 2 | $ 825,000 | $ 412,500 | $ 0 |
| Colusa, California | 2 | $ 218,000 | $ 109,000 | $ 35,000 |
| Humboldt, California | 2 | $ 500,000 | $ 250,000 | $ 88,000 |
| Mono, California | 2 | $ 638,000 | $ 319,000 | $ 259,000 |
| Tehama, California | 2 | $ 358,000 | $ 179,000 | $ 9,000 |
| Denver, Colorado | 2 | $ 992,000 | $ 496,000 | $ 0 |
| El Paso, Colorado | 2 | $ 860,000 | $ 430,000 | $ 0 |
| Grand, Colorado | 2 | $ 733,000 | $ 366,500 | $ 0 |
| Hartford, Connecticut | 2 | $ 1,034,000 | $ 517,000 | $ 0 |
| District of Columbia, District Of Columbia | 2 | $ 1,204,000 | $ 602,000 | $ 0 |
| Lee, Florida | 2 | $ 829,000 | $ 414,500 | $ 0 |
| Orange, Florida | 2 | $ 985,000 | $ 492,500 | $ 0 |
| Palm Beach, Florida | 2 | $ 1,063,000 | $ 531,500 | $ 0 |
| Pinellas, Florida | 2 | $ 864,000 | $ 432,000 | $ 0 |
| Walton, Florida | 2 | $ 805,000 | $ 402,500 | $ 0 |
| Kane, Illinois | 2 | $ 1,092,000 | $ 546,000 | $ 0 |
| Will, Illinois | 2 | $ 755,000 | $ 377,500 | $ 0 |
| Hamilton, Indiana | 2 | $ 698,000 | $ 349,000 | $ 0 |
| St. Joseph, Indiana | 2 | $ 852,000 | $ 426,000 | $ 0 |
| Jefferson, Kentucky | 2 | $ 761,000 | $ 380,500 | $ 0 |
| Anne Arundel, Maryland | 2 | $ 994,000 | $ 497,000 | $ 0 |
| Howard, Maryland | 2 | $ 818,000 | $ 409,000 | $ 0 |
| Prince George's, Maryland | 2 | $ 733,000 | $ 366,500 | $ 0 |
| Ingham, Michigan | 2 | $ 915,000 | $ 457,500 | $ 0 |
| Carver, Minnesota | 2 | $ 1,275,000 | $ 637,500 | $ 0 |
| Washington, Minnesota | 2 | $ 824,000 | $ 412,000 | $ 0 |
| Hinds, Mississippi | 2 | $ 771,000 | $ 385,500 | $ 0 |
| Hillsborough, New Hampshire | 2 | $ 1,113,000 | $ 556,500 | $ 0 |
| Atlantic, New Jersey | 2 | $ 1,108,000 | $ 554,000 | $ 0 |
| Essex, New Jersey | 2 | $ 1,162,000 | $ 581,000 | $ 0 |
| Morris, New Jersey | 2 | $ 739,000 | $ 369,500 | $ 0 |
| Ocean, New Jersey | 2 | $ 847,000 | $ 423,500 | $ 0 |
| Union, New Jersey | 2 | $ 878,000 | $ 439,000 | $ 0 |
| Watauga, North Carolina | 2 | $ 824,000 | $ 412,000 | $ 0 |
| Hamilton, Ohio | 2 | $ 1,152,000 | $ 576,000 | $ 0 |
| Lane, Oregon | 2 | $ 223,000 | $ 111,500 | $ 56,000 |
| Tillamook, Oregon | 2 | $ 672,000 | $ 336,000 | $ 173,000 |
| Union, Oregon | 2 | $ 79,000 | $ 39,500 | $ 26,000 |
| Bucks, Pennsylvania | 2 | $ 913,000 | $ 456,500 | $ 0 |
| Chester, Pennsylvania | 2 | $ 971,000 | $ 485,500 | $ 0 |
| Williamson, Tennessee | 2 | $ 1,129,000 | $ 564,500 | $ 0 |
| Salt Lake, Utah | 2 | $ 929,000 | $ 464,500 | $ 0 |
| Summit, Utah | 2 | $ 1,452,000 | $ 726,000 | $ 0 |
| Stafford, Virginia | 2 | $ 1,016,000 | $ 508,000 | $ 0 |
| Virginia Beach, Virginia | 2 | $ 1,358,000 | $ 679,000 | $ 0 |
| Cowlitz, Washington | 2 | $ 124,000 | $ 62,000 | $ 60,000 |
| Island, Washington | 2 | $ 605,000 | $ 302,500 | $ 87,000 |
| Walworth, Wisconsin | 2 | $ 854,000 | $ 427,000 | $ 0 |
| Waukesha, Wisconsin | 2 | $ 902,000 | $ 451,000 | $ 0 |
| Montgomery, Alabama | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Navajo, Arizona | 1 | $ 215,000 | $ 215,000 | $ 37,000 |
| Yuma, Arizona | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Pulaski, Arkansas | 1 | $ 344,000 | $ 344,000 | $ 0 |
| Alpine, California | 1 | $ 190,000 | $ 190,000 | $ 102,000 |
| Imperial, California | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Modoc, California | 1 | $ 70,000 | $ 70,000 | $ 192,000 |
| Sierra, California | 1 | $ 21,000 | $ 21,000 | $ 49,000 |
| Larimer, Colorado | 1 | $ 397,000 | $ 397,000 | $ 0 |
| Pitkin, Colorado | 1 | $ 539,000 | $ 539,000 | $ 0 |
| Weld, Colorado | 1 | $ 434,000 | $ 434,000 | $ 0 |
| Duval, Florida | 1 | $ 649,000 | $ 649,000 | $ 0 |
| Hernando, Florida | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Manatee, Florida | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Marion, Florida | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Okaloosa, Florida | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Santa Rosa, Florida | 1 | $ 466,000 | $ 466,000 | $ 0 |
| Seminole, Florida | 1 | $ 642,000 | $ 642,000 | $ 0 |
| St. Johns, Florida | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Chatham, Georgia | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Douglas, Georgia | 1 | $ 435,000 | $ 435,000 | $ 0 |
| Forsyth, Georgia | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Oconee, Georgia | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Pickens, Georgia | 1 | $ 495,000 | $ 495,000 | $ 0 |
| Adams, Idaho | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Gem, Idaho | 1 | $ 30,000 | $ 30,000 | $ 16,000 |
| Valley, Idaho | 1 | $ 100,000 | $ 100,000 | $ 324,000 |
| Madison, Illinois | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Boone, Indiana | 1 | $ 614,000 | $ 614,000 | $ 0 |
| Black Hawk, Iowa | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Polk, Iowa | 1 | $ 406,000 | $ 406,000 | $ 0 |
| Baltimore City, Maryland | 1 | $ 430,000 | $ 430,000 | $ 0 |
| Harford, Maryland | 1 | $ 458,000 | $ 458,000 | $ 0 |
| Talbot, Maryland | 1 | $ 792,000 | $ 792,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Suffolk, Massachusetts | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Berrien, Michigan | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Kalamazoo, Michigan | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Kent, Michigan | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Leelanau, Michigan | 1 | $ 676,000 | $ 676,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Van Buren, Michigan | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Anoka, Minnesota | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Harrison, Mississippi | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Boone, Missouri | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Jackson, Missouri | 1 | $ 432,000 | $ 432,000 | $ 0 |
| St. Charles, Missouri | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Lancaster, Nebraska | 1 | $ 348,000 | $ 348,000 | $ 0 |
| Mineral, Nevada | 1 | $ 103,000 | $ 103,000 | $ 44,000 |
| Hudson, New Jersey | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 525,000 | $ 525,000 | $ 0 |
| Passaic, New Jersey | 1 | $ 570,000 | $ 570,000 | $ 0 |
| Catron, New Mexico | 1 | $ 25,000 | $ 25,000 | $ 36,000 |
| Grant, New Mexico | 1 | $ 60,000 | $ 60,000 | $ 29,000 |
| Quay, New Mexico | 1 | $ 36,000 | $ 36,000 | $ 43,000 |
| Rio Arriba, New Mexico | 1 | $ 138,000 | $ 138,000 | $ 73,000 |
| San Juan, New Mexico | 1 | $ 80,000 | $ 80,000 | $ 63,000 |
| Monroe, New York | 1 | $ 380,000 | $ 380,000 | $ 0 |
| New York, New York | 1 | $ 672,000 | $ 672,000 | $ 0 |
| Orange, New York | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Putnam, New York | 1 | $ 359,000 | $ 359,000 | $ 0 |
| Rockland, New York | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Carteret, North Carolina | 1 | $ 540,000 | $ 540,000 | $ 0 |
| Dare, North Carolina | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Davie, North Carolina | 1 | $ 443,000 | $ 443,000 | $ 0 |
| Mecklenburg, North Carolina | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Union, North Carolina | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Franklin, Ohio | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Montgomery, Ohio | 1 | $ 397,000 | $ 397,000 | $ 0 |
| Stark, Ohio | 1 | $ 384,000 | $ 384,000 | $ 0 |
| Benton, Oregon | 1 | $ 200,000 | $ 200,000 | $ 104,000 |
| Curry, Oregon | 1 | $ 83,000 | $ 83,000 | $ 51,000 |
| Douglas, Oregon | 1 | $ 334,000 | $ 334,000 | $ 0 |
| Klamath, Oregon | 1 | $ 46,000 | $ 46,000 | $ 54,000 |
| Delaware, Pennsylvania | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Lebanon, Pennsylvania | 1 | $ 339,000 | $ 339,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Charleston, South Carolina | 1 | $ 594,000 | $ 594,000 | $ 0 |
| York, South Carolina | 1 | $ 367,000 | $ 367,000 | $ 0 |
| Knox, Tennessee | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Cameron, Texas | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Collin, Texas | 1 | $ 516,000 | $ 516,000 | $ 0 |
| Denton, Texas | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Fort Bend, Texas | 1 | $ 438,000 | $ 438,000 | $ 0 |
| Galveston, Texas | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Grayson, Texas | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Montgomery, Texas | 1 | $ 456,000 | $ 456,000 | $ 0 |
| Palo Pinto, Texas | 1 | $ 758,000 | $ 758,000 | $ 0 |
| Davis, Utah | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Utah, Utah | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Weber, Utah | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Addison, Vermont | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Henrico, Virginia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Salem, Virginia | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Suffolk, Virginia | 1 | $ 416,000 | $ 416,000 | $ 0 |
| Clallam, Washington | 1 | $ 104,000 | $ 104,000 | $ 67,000 |
| Douglas, Washington | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Grant, Washington | 1 | $ 30,000 | $ 30,000 | $ 60,000 |
| Lewis, Washington | 1 | $ 41,000 | $ 41,000 | $ 96,000 |
| Pacific, Washington | 1 | $ 264,000 | $ 264,000 | $ 272,000 |
| Pend Oreille, Washington | 1 | $ 20,000 | $ 20,000 | $ 58,000 |
| San Juan, Washington | 1 | $ 398,000 | $ 398,000 | $ 0 |
| Skagit, Washington | 1 | $ 412,000 | $ 412,000 | $ 0 |
| Spokane, Washington | 1 | $ 15,000 | $ 15,000 | $ 132,000 |
| Thurston, Washington | 1 | $ 11,000 | $ 11,000 | $ 31,000 |
| Whatcom, Washington | 1 | $ 150,000 | $ 150,000 | $ 170,000 |
| Raleigh, West Virginia | 1 | $ 332,000 | $ 332,000 | $ 0 |
| Dane, Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Door, Wisconsin | 1 | $ 372,000 | $ 372,000 | $ 0 |
| Milwaukee, Wisconsin | 1 | $ 369,000 | $ 369,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Sheboygan, Wisconsin | 1 | $ 699,000 | $ 699,000 | $ 0 |
| Teton, Wyoming | 1 | $ 386,000 | $ 386,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank of the West in 2003
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 (home purchase or home improvement, one-to-four family) | 6,848 | $1,591,010,000 | $417,825 | $1,900,000 | $11,275 | $5,657,000 |
| Home Improvement (one-to-four family) | 2,654 | $163,315,000 | $190,125 | $758,000 | $48,250 | $1,500,000 |
| Home Purchase (one-to-four family) | 1,686 | $479,682,000 | $396,333 | $1,470,000 | $10,454 | $1,438,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 9 | $18,405,000 | $1,697,000 | $9,000,000 | $0 | $0 |
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 | 4,538 | $641,392,000 | $99,250 | $1,620,000 | $65,125 | $2,195,000 |
| Not applicable | 2,366 | $991,102,000 | $424,365 | $9,000,000 | $0 | $0 |
| Hispanic | 1,546 | $162,494,000 | $83,666 | $650,000 | $54,500 | $1,184,000 |
| Information not provided by applicant in mail or telephone application | 1,344 | $217,134,000 | $111,833 | $1,600,000 | $83,833 | $5,657,000 |
| Asian or Pacific Islander | 817 | $163,792,000 | $161,000 | $1,900,000 | $73,833 | $2,533,000 |
| Black | 260 | $29,411,000 | $79,833 | $600,000 | $49,000 | $984,000 |
| Other | 251 | $39,301,000 | $119,600 | $1,000,000 | $72,400 | $1,265,000 |
| American Indian or Alaskan Native | 75 | $7,786,000 | $69,000 | $623,000 | $33,250 | $240,000 |
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) | 11,197 | $2,252,412,000 | $406,585 | $9,000,000 | $10,073 | $5,657,000 |
| 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 | 5,366 | $846,372,000 | $110,833 | $9,000,000 | $70,833 | $5,657,000 |
| Application Denied By Financial Institution | 2,535 | $257,876,000 | $83,250 | $1,620,000 | $59,500 | $1,042,000 |
| Loan Purchased By The Institution | 2,361 | $977,650,000 | $423,804 | $1,339,000 | $0 | $0 |
| Application Withdrawn By Applicant | 591 | $139,389,000 | $163,000 | $1,600,000 | $89,000 | $2,533,000 |
| Application Approved But Not Accepted | 344 | $31,125,000 | $78,600 | $460,000 | $67,800 | $542,000 |
| File Closed For Incompleteness | 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 | 1,229 | $103,333,000 | $70,500 | $623,000 | $58,166 | $769,000 |
| Debt-To-Income Ratio | 718 | $79,276,000 | $86,000 | $999,000 | $39,500 | $308,000 |
| Collateral | 289 | $36,999,000 | $129,333 | $1,620,000 | $128,166 | $1,042,000 |
| Other | 175 | $18,861,000 | $64,125 | $520,000 | $65,500 | $598,000 |
| Credit Application Incomplete | 53 | $7,130,000 | $86,500 | $500,000 | $71,666 | $742,000 |
| Employment History | 46 | $6,567,000 | $83,200 | $645,000 | $59,000 | $161,000 |
| Unverifiable Information | 18 | $3,825,000 | $161,666 | $1,000,000 | $54,333 | $510,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 7 | $1,885,000 | $269,000 | $500,000 | $100,000 | $172,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2003 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 Bank of the West'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