Bank of the West Mortgage Lending & HMDA Data, 2004
In 2004, Bank of the West of Monterey Park, CA reported 11,786 mortgage applications totaling $2.2 billion, up 5% from 2003. The average application was for $190,290, and applicants reported an average income of $72,596. 39% of its applications resulted in an originated loan and 23% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,601), Oakland-Fremont-Hayward, CA (853) and Santa Ana-Anaheim-Irvine, CA (778) (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 | 11,786 |
| Total Mortgage Loan Application Amount | $2,242,765,000 |
| Average Mortgage Loan Application Amount | $190,290 |
| Highest Mortgage Loan Application Amount | $4,368,000 |
| Average Applicant Income | $72,596 |
| Highest Applicant Income | $9,999,000 |
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,601 | $ 375,217,000 | $ 234,364 | $ 127,000 |
| Orange, California | 778 | $ 218,837,000 | $ 281,281 | $ 93,000 |
| Santa Clara, California | 683 | $ 144,787,000 | $ 211,986 | $ 69,000 |
| Stanislaus, California | 540 | $ 54,141,000 | $ 100,261 | $ 79,000 |
| Alameda, California | 458 | $ 91,718,000 | $ 200,257 | $ 79,000 |
| San Joaquin, California | 437 | $ 57,525,000 | $ 131,636 | $ 61,000 |
| Contra Costa, California | 395 | $ 76,950,000 | $ 194,810 | $ 75,000 |
| Sacramento, California | 334 | $ 44,144,000 | $ 132,167 | $ 72,000 |
| San Diego, California | 304 | $ 121,140,000 | $ 398,486 | $ 64,000 |
| San Bernardino, California | 303 | $ 51,269,000 | $ 169,204 | $ 88,000 |
| Bernalillo, New Mexico | 275 | $ 25,302,000 | $ 92,007 | $ 62,000 |
| Fresno, California | 268 | $ 23,818,000 | $ 88,873 | $ 59,000 |
| Multnomah, Oregon | 229 | $ 33,453,000 | $ 146,082 | $ 76,000 |
| Clark, Nevada | 178 | $ 23,438,000 | $ 131,674 | $ 66,000 |
| Ventura, California | 176 | $ 54,331,000 | $ 308,698 | $ 79,000 |
| Solano, California | 152 | $ 19,283,000 | $ 126,861 | $ 64,000 |
| Riverside, California | 138 | $ 34,820,000 | $ 252,318 | $ 82,000 |
| San Mateo, California | 137 | $ 42,224,000 | $ 308,204 | $ 139,000 |
| Butte, California | 134 | $ 9,624,000 | $ 71,820 | $ 47,000 |
| Sonoma, California | 134 | $ 19,411,000 | $ 144,858 | $ 74,000 |
| Kern, California | 130 | $ 11,017,000 | $ 84,746 | $ 76,000 |
| Tulare, California | 125 | $ 10,734,000 | $ 85,872 | $ 62,000 |
| San Francisco, California | 110 | $ 29,722,000 | $ 270,200 | $ 97,000 |
| Kings, California | 92 | $ 7,100,000 | $ 77,173 | $ 69,000 |
| Yolo, California | 91 | $ 11,031,000 | $ 121,219 | $ 56,000 |
| Washington, Oregon | 89 | $ 11,383,000 | $ 127,898 | $ 59,000 |
| Sweetwater, Wyoming | 89 | $ 2,448,000 | $ 27,505 | $ 55,000 |
| Placer, California | 88 | $ 17,284,000 | $ 196,409 | $ 78,000 |
| Washoe, Nevada | 88 | $ 14,103,000 | $ 160,261 | $ 78,000 |
| Lake, California | 74 | $ 6,612,000 | $ 89,351 | $ 51,000 |
| Clackamas, Oregon | 62 | $ 8,912,000 | $ 143,741 | $ 75,000 |
| El Dorado, California | 54 | $ 10,561,000 | $ 195,574 | $ 83,000 |
| Santa Cruz, California | 52 | $ 13,345,000 | $ 256,634 | $ 80,000 |
| Napa, California | 47 | $ 5,555,000 | $ 118,191 | $ 68,000 |
| King, Washington | 46 | $ 24,975,000 | $ 542,934 | $ 2,499,000 |
| Marin, California | 42 | $ 18,356,000 | $ 437,047 | $ 146,000 |
| Winneshiek, Iowa | 42 | $ 1,626,000 | $ 38,714 | $ 41,000 |
| Merced, California | 40 | $ 4,225,000 | $ 105,625 | $ 74,000 |
| Adams, Colorado | 37 | $ 1,260,000 | $ 34,054 | $ 60,000 |
| Lincoln, Wyoming | 37 | $ 1,337,000 | $ 36,135 | $ 48,000 |
| Santa Barbara, California | 36 | $ 14,463,000 | $ 401,750 | $ 112,000 |
| Lincoln, Oregon | 36 | $ 3,880,000 | $ 107,777 | $ 43,000 |
| Harris, Texas | 36 | $ 19,667,000 | $ 546,305 | $ 0 |
| Nevada, California | 35 | $ 5,272,000 | $ 150,628 | $ 62,000 |
| Dona Ana, New Mexico | 35 | $ 2,107,000 | $ 60,200 | $ 49,000 |
| Sandoval, New Mexico | 35 | $ 2,834,000 | $ 80,971 | $ 53,000 |
| Cass, North Dakota | 35 | $ 935,000 | $ 26,714 | $ 41,000 |
| Laramie, Wyoming | 33 | $ 1,066,000 | $ 32,303 | $ 40,000 |
| Pima, Arizona | 31 | $ 2,102,000 | $ 67,806 | $ 30,000 |
| Monterey, California | 31 | $ 11,442,000 | $ 369,096 | $ 138,000 |
| Cook, Illinois | 31 | $ 14,987,000 | $ 483,451 | $ 0 |
| Valencia, New Mexico | 30 | $ 1,782,000 | $ 59,400 | $ 46,000 |
| Richland, North Dakota | 30 | $ 664,000 | $ 22,133 | $ 33,000 |
| Maricopa, Arizona | 29 | $ 8,130,000 | $ 280,344 | $ 33,000 |
| Houston, Minnesota | 29 | $ 1,142,000 | $ 39,379 | $ 43,000 |
| Canyon, Idaho | 27 | $ 2,318,000 | $ 85,851 | $ 30,000 |
| Sublette, Wyoming | 27 | $ 710,000 | $ 26,296 | $ 53,000 |
| Otter Tail, Minnesota | 26 | $ 746,000 | $ 28,692 | $ 56,000 |
| Yakima, Washington | 26 | $ 2,649,000 | $ 101,884 | $ 43,000 |
| Fremont, Wyoming | 24 | $ 553,000 | $ 23,041 | $ 37,000 |
| Ada, Idaho | 23 | $ 3,811,000 | $ 165,695 | $ 30,000 |
| Washburn, Wisconsin | 23 | $ 948,000 | $ 41,217 | $ 55,000 |
| Benton, Washington | 22 | $ 1,592,000 | $ 72,363 | $ 60,000 |
| Albany, Wyoming | 22 | $ 765,000 | $ 34,772 | $ 47,000 |
| Campbell, Wyoming | 22 | $ 586,000 | $ 26,636 | $ 71,000 |
| Carbon, Wyoming | 22 | $ 475,000 | $ 21,590 | $ 36,000 |
| Uinta, Wyoming | 22 | $ 758,000 | $ 34,454 | $ 48,000 |
| Gila, Arizona | 21 | $ 345,000 | $ 16,428 | $ 39,000 |
| Moffat, Colorado | 21 | $ 1,181,000 | $ 56,238 | $ 45,000 |
| Lyon, Minnesota | 21 | $ 664,000 | $ 31,619 | $ 40,000 |
| Kittitas, Washington | 21 | $ 1,838,000 | $ 87,523 | $ 42,000 |
| Platte, Wyoming | 21 | $ 453,000 | $ 21,571 | $ 33,000 |
| Suffolk, New York | 20 | $ 9,874,000 | $ 493,700 | $ 0 |
| Calaveras, California | 19 | $ 2,932,000 | $ 154,315 | $ 87,000 |
| Madera, California | 18 | $ 1,899,000 | $ 105,500 | $ 50,000 |
| Larimer, Colorado | 18 | $ 2,319,000 | $ 128,833 | $ 39,000 |
| Baldwin, Alabama | 17 | $ 8,787,000 | $ 516,882 | $ 0 |
| Pinal, Arizona | 17 | $ 439,000 | $ 25,823 | $ 23,000 |
| Yavapai, Arizona | 17 | $ 1,330,000 | $ 78,235 | $ 47,000 |
| Weld, Colorado | 16 | $ 1,391,000 | $ 86,937 | $ 47,000 |
| Marion, Oregon | 16 | $ 1,595,000 | $ 99,687 | $ 29,000 |
| Miami-Dade, Florida | 15 | $ 7,841,000 | $ 522,733 | $ 15,000 |
| Apache, Arizona | 14 | $ 406,000 | $ 29,000 | $ 35,000 |
| Palm Beach, Florida | 14 | $ 7,736,000 | $ 552,571 | $ 0 |
| Nassau, New York | 14 | $ 7,741,000 | $ 552,928 | $ 0 |
| Stark, North Dakota | 14 | $ 395,000 | $ 28,214 | $ 46,000 |
| Columbia, Oregon | 14 | $ 1,291,000 | $ 92,214 | $ 71,000 |
| Travis, Texas | 14 | $ 6,261,000 | $ 447,214 | $ 0 |
| San Luis Obispo, California | 13 | $ 5,066,000 | $ 389,692 | $ 123,000 |
| Fairfield, Connecticut | 13 | $ 6,835,000 | $ 525,769 | $ 0 |
| Fulton, Georgia | 13 | $ 7,085,000 | $ 545,000 | $ 0 |
| Washington, Idaho | 13 | $ 930,000 | $ 71,538 | $ 45,000 |
| Anoka, Minnesota | 13 | $ 1,850,000 | $ 142,307 | $ 62,000 |
| Nobles, Minnesota | 13 | $ 925,000 | $ 71,153 | $ 75,000 |
| Traverse, Minnesota | 13 | $ 319,000 | $ 24,538 | $ 24,000 |
| Wilkin, Minnesota | 13 | $ 182,000 | $ 14,000 | $ 37,000 |
| Park, Wyoming | 13 | $ 853,000 | $ 65,615 | $ 36,000 |
| Arapahoe, Colorado | 12 | $ 2,930,000 | $ 244,166 | $ 51,000 |
| Boulder, Colorado | 12 | $ 2,402,000 | $ 200,166 | $ 45,000 |
| Routt, Colorado | 12 | $ 689,000 | $ 57,416 | $ 148,000 |
| Collier, Florida | 12 | $ 6,184,000 | $ 515,333 | $ 0 |
| Wasco, Oregon | 12 | $ 860,000 | $ 71,666 | $ 70,000 |
| Dallas, Texas | 12 | $ 6,114,000 | $ 509,500 | $ 0 |
| Natrona, Wyoming | 12 | $ 920,000 | $ 76,666 | $ 42,000 |
| Lake, Illinois | 11 | $ 5,634,000 | $ 512,181 | $ 0 |
| Carson City, Nevada | 11 | $ 1,019,000 | $ 92,636 | $ 43,000 |
| Malheur, Oregon | 11 | $ 892,000 | $ 81,090 | $ 47,000 |
| Goshen, Wyoming | 11 | $ 141,000 | $ 12,818 | $ 38,000 |
| Jefferson, Colorado | 10 | $ 2,492,000 | $ 249,200 | $ 73,000 |
| Montgomery, Maryland | 10 | $ 5,617,000 | $ 561,700 | $ 0 |
| Fillmore, Minnesota | 10 | $ 314,000 | $ 31,400 | $ 40,000 |
| Lincoln, Minnesota | 10 | $ 239,000 | $ 23,900 | $ 60,000 |
| Box Butte, Nebraska | 10 | $ 1,439,000 | $ 143,900 | $ 29,000 |
| Cherry, Nebraska | 10 | $ 262,000 | $ 26,200 | $ 42,000 |
| Lyon, Nevada | 10 | $ 585,000 | $ 58,500 | $ 46,000 |
| Santa Fe, New Mexico | 10 | $ 3,876,000 | $ 387,600 | $ 40,000 |
| Umatilla, Oregon | 10 | $ 808,000 | $ 80,800 | $ 58,000 |
| Franklin, Washington | 10 | $ 574,000 | $ 57,400 | $ 55,000 |
| Converse, Wyoming | 10 | $ 254,000 | $ 25,400 | $ 35,000 |
| Tarrant, Texas | 9 | $ 5,082,000 | $ 564,666 | $ 0 |
| Denver, Colorado | 8 | $ 2,460,000 | $ 307,500 | $ 12,000 |
| DuPage, Illinois | 8 | $ 3,452,000 | $ 431,500 | $ 0 |
| Stearns, Minnesota | 8 | $ 368,000 | $ 46,000 | $ 77,000 |
| Westchester, New York | 8 | $ 3,686,000 | $ 460,750 | $ 0 |
| Deschutes, Oregon | 8 | $ 1,805,000 | $ 225,625 | $ 138,000 |
| Fall River, South Dakota | 8 | $ 141,000 | $ 17,625 | $ 29,000 |
| San Benito, California | 7 | $ 857,000 | $ 122,428 | $ 53,000 |
| Douglas, Colorado | 7 | $ 2,376,000 | $ 339,428 | $ 15,000 |
| Gunnison, Colorado | 7 | $ 540,000 | $ 77,142 | $ 60,000 |
| Broward, Florida | 7 | $ 3,988,000 | $ 569,714 | $ 0 |
| Monroe, Florida | 7 | $ 3,293,000 | $ 470,428 | $ 0 |
| Pinellas, Florida | 7 | $ 3,146,000 | $ 449,428 | $ 0 |
| Howard, Iowa | 7 | $ 288,000 | $ 41,142 | $ 46,000 |
| Dawes, Nebraska | 7 | $ 78,000 | $ 11,142 | $ 32,000 |
| New York, New York | 7 | $ 4,281,000 | $ 611,571 | $ 0 |
| Beadle, South Dakota | 7 | $ 292,000 | $ 41,714 | $ 34,000 |
| Clay, South Dakota | 7 | $ 449,000 | $ 64,142 | $ 57,000 |
| Salt Lake, Utah | 7 | $ 2,796,000 | $ 399,428 | $ 322,000 |
| Sheridan, Wyoming | 7 | $ 235,000 | $ 33,571 | $ 39,000 |
| Navajo, Arizona | 6 | $ 143,000 | $ 23,833 | $ 28,000 |
| Amador, California | 6 | $ 589,000 | $ 98,166 | $ 104,000 |
| Tuolumne, California | 6 | $ 336,000 | $ 56,000 | $ 73,000 |
| Delta, Colorado | 6 | $ 236,000 | $ 39,333 | $ 21,000 |
| Logan, Colorado | 6 | $ 280,000 | $ 46,666 | $ 45,000 |
| Lee, Florida | 6 | $ 3,143,000 | $ 523,833 | $ 0 |
| Okaloosa, Florida | 6 | $ 2,899,000 | $ 483,166 | $ 0 |
| East Baton Rouge, Louisiana | 6 | $ 2,530,000 | $ 421,666 | $ 0 |
| Orleans, Louisiana | 6 | $ 3,294,000 | $ 549,000 | $ 0 |
| Cottonwood, Minnesota | 6 | $ 147,000 | $ 24,500 | $ 49,000 |
| Stevens, Minnesota | 6 | $ 101,000 | $ 16,833 | $ 45,000 |
| Oklahoma, Oklahoma | 6 | $ 3,250,000 | $ 541,666 | $ 0 |
| Jefferson, Oregon | 6 | $ 358,000 | $ 59,666 | $ 55,000 |
| Montgomery, Pennsylvania | 6 | $ 2,546,000 | $ 424,333 | $ 0 |
| Charles Mix, South Dakota | 6 | $ 202,000 | $ 33,666 | $ 30,000 |
| Fairfax, Virginia | 6 | $ 3,052,000 | $ 508,666 | $ 0 |
| Elbert, Colorado | 5 | $ 110,000 | $ 22,000 | $ 73,000 |
| Grand, Colorado | 5 | $ 454,000 | $ 90,800 | $ 59,000 |
| Mesa, Colorado | 5 | $ 330,000 | $ 66,000 | $ 24,000 |
| Summit, Colorado | 5 | $ 1,615,000 | $ 323,000 | $ 220,000 |
| Manatee, Florida | 5 | $ 2,346,000 | $ 469,200 | $ 0 |
| Fayette, Iowa | 5 | $ 175,000 | $ 35,000 | $ 61,000 |
| Middlesex, Massachusetts | 5 | $ 2,396,000 | $ 479,200 | $ 0 |
| Clay, Minnesota | 5 | $ 85,000 | $ 17,000 | $ 20,000 |
| Morrison, Minnesota | 5 | $ 284,000 | $ 56,800 | $ 124,000 |
| Sheridan, Nebraska | 5 | $ 73,000 | $ 14,600 | $ 43,000 |
| Monmouth, New Jersey | 5 | $ 2,487,000 | $ 497,400 | $ 0 |
| Queens, New York | 5 | $ 2,571,000 | $ 514,200 | $ 0 |
| Perkins, South Dakota | 5 | $ 193,000 | $ 38,600 | $ 51,000 |
| Williamson, Tennessee | 5 | $ 2,739,000 | $ 547,800 | $ 0 |
| Collin, Texas | 5 | $ 2,851,000 | $ 570,200 | $ 0 |
| Davis, Utah | 5 | $ 765,000 | $ 153,000 | $ 100,000 |
| Clark, Washington | 5 | $ 807,000 | $ 161,400 | $ 172,000 |
| Snohomish, Washington | 5 | $ 2,969,000 | $ 593,800 | $ 35,000 |
| Douglas, Wisconsin | 5 | $ 164,000 | $ 32,800 | $ 67,000 |
| Big Horn, Wyoming | 5 | $ 355,000 | $ 71,000 | $ 53,000 |
| Niobrara, Wyoming | 5 | $ 132,000 | $ 26,400 | $ 31,000 |
| Pulaski, Arkansas | 4 | $ 1,655,000 | $ 413,750 | $ 0 |
| Glenn, California | 4 | $ 378,000 | $ 94,500 | $ 67,000 |
| Mariposa, California | 4 | $ 340,000 | $ 85,000 | $ 55,000 |
| Mono, California | 4 | $ 1,796,000 | $ 449,000 | $ 25,000 |
| Sutter, California | 4 | $ 400,000 | $ 100,000 | $ 110,000 |
| Yuba, California | 4 | $ 294,000 | $ 73,500 | $ 46,000 |
| Montrose, Colorado | 4 | $ 349,000 | $ 87,250 | $ 120,000 |
| Escambia, Florida | 4 | $ 1,636,000 | $ 409,000 | $ 0 |
| Walton, Florida | 4 | $ 1,948,000 | $ 487,000 | $ 0 |
| Cobb, Georgia | 4 | $ 1,786,000 | $ 446,500 | $ 0 |
| Allamakee, Iowa | 4 | $ 53,000 | $ 13,250 | $ 71,000 |
| Clayton, Iowa | 4 | $ 74,000 | $ 18,500 | $ 53,000 |
| Norfolk, Massachusetts | 4 | $ 1,838,000 | $ 459,500 | $ 0 |
| Oakland, Michigan | 4 | $ 1,994,000 | $ 498,500 | $ 0 |
| Hennepin, Minnesota | 4 | $ 1,297,000 | $ 324,250 | $ 107,000 |
| Jackson, Minnesota | 4 | $ 308,000 | $ 77,000 | $ 52,000 |
| St. Louis, Missouri | 4 | $ 2,493,000 | $ 623,250 | $ 0 |
| Douglas, Nevada | 4 | $ 310,000 | $ 77,500 | $ 93,000 |
| Mecklenburg, North Carolina | 4 | $ 1,767,000 | $ 441,750 | $ 0 |
| Wake, North Carolina | 4 | $ 1,948,000 | $ 487,000 | $ 0 |
| Chester, Pennsylvania | 4 | $ 2,006,000 | $ 501,500 | $ 0 |
| Potter, South Dakota | 4 | $ 33,000 | $ 8,250 | $ 36,000 |
| Davidson, Tennessee | 4 | $ 2,055,000 | $ 513,750 | $ 0 |
| Bexar, Texas | 4 | $ 1,903,000 | $ 475,750 | $ 0 |
| Fort Bend, Texas | 4 | $ 1,605,000 | $ 401,250 | $ 0 |
| Loudoun, Virginia | 4 | $ 1,656,000 | $ 414,000 | $ 0 |
| Pierce, Washington | 4 | $ 1,361,000 | $ 340,250 | $ 38,000 |
| Shelby, Alabama | 3 | $ 1,927,000 | $ 642,333 | $ 0 |
| Coconino, Arizona | 3 | $ 633,000 | $ 211,000 | $ 22,000 |
| Mendocino, California | 3 | $ 415,000 | $ 138,333 | $ 141,000 |
| Plumas, California | 3 | $ 313,000 | $ 104,333 | $ 113,000 |
| Shasta, California | 3 | $ 300,000 | $ 100,000 | $ 71,000 |
| Siskiyou, California | 3 | $ 850,000 | $ 283,333 | $ 19,000 |
| Chaffee, Colorado | 3 | $ 183,000 | $ 61,000 | $ 67,000 |
| Kit Carson, Colorado | 3 | $ 75,000 | $ 25,000 | $ 32,000 |
| Morgan, Colorado | 3 | $ 174,000 | $ 58,000 | $ 72,000 |
| Phillips, Colorado | 3 | $ 167,000 | $ 55,666 | $ 34,000 |
| San Miguel, Colorado | 3 | $ 976,000 | $ 325,333 | $ 312,000 |
| Duval, Florida | 3 | $ 1,501,000 | $ 500,333 | $ 0 |
| Seminole, Florida | 3 | $ 1,179,000 | $ 393,000 | $ 0 |
| Forsyth, Georgia | 3 | $ 1,308,000 | $ 436,000 | $ 0 |
| Jefferson, Kentucky | 3 | $ 1,471,000 | $ 490,333 | $ 0 |
| Worcester, Massachusetts | 3 | $ 1,478,000 | $ 492,666 | $ 0 |
| Norman, Minnesota | 3 | $ 221,000 | $ 73,666 | $ 54,000 |
| Morrill, Nebraska | 3 | $ 77,000 | $ 25,666 | $ 44,000 |
| Ocean, New Jersey | 3 | $ 1,141,000 | $ 380,333 | $ 0 |
| Somerset, New Jersey | 3 | $ 1,362,000 | $ 454,000 | $ 0 |
| Otero, New Mexico | 3 | $ 133,000 | $ 44,333 | $ 26,000 |
| Torrance, New Mexico | 3 | $ 435,000 | $ 145,000 | $ 96,000 |
| Kings, New York | 3 | $ 1,916,000 | $ 638,666 | $ 0 |
| Griggs, North Dakota | 3 | $ 22,000 | $ 7,333 | $ 18,000 |
| Bucks, Pennsylvania | 3 | $ 1,132,000 | $ 377,333 | $ 0 |
| Spink, South Dakota | 3 | $ 167,000 | $ 55,666 | $ 83,000 |
| Todd, South Dakota | 3 | $ 12,000 | $ 4,000 | $ 33,000 |
| Loudon, Tennessee | 3 | $ 1,380,000 | $ 460,000 | $ 0 |
| Denton, Texas | 3 | $ 1,437,000 | $ 479,000 | $ 0 |
| Summit, Utah | 3 | $ 1,245,000 | $ 415,000 | $ 70,000 |
| Virginia Beach, Virginia | 3 | $ 1,460,000 | $ 486,666 | $ 0 |
| Walla Walla, Washington | 3 | $ 232,000 | $ 77,333 | $ 77,000 |
| Burnett, Wisconsin | 3 | $ 62,000 | $ 20,666 | $ 38,000 |
| Crook, Wyoming | 3 | $ 153,000 | $ 51,000 | $ 44,000 |
| Madison, Alabama | 2 | $ 810,000 | $ 405,000 | $ 0 |
| Humboldt, California | 2 | $ 553,000 | $ 276,500 | $ 18,000 |
| Sierra, California | 2 | $ 294,000 | $ 147,000 | $ 63,000 |
| Eagle, Colorado | 2 | $ 109,000 | $ 54,500 | $ 72,000 |
| Las Animas, Colorado | 2 | $ 10,000 | $ 5,000 | $ 37,000 |
| Park, Colorado | 2 | $ 35,000 | $ 17,500 | $ 58,000 |
| Pueblo, Colorado | 2 | $ 48,000 | $ 24,000 | $ 25,000 |
| Rio Blanco, Colorado | 2 | $ 72,000 | $ 36,000 | $ 75,000 |
| District of Columbia, District Of Columbia | 2 | $ 1,059,000 | $ 529,500 | $ 0 |
| Bay, Florida | 2 | $ 1,028,000 | $ 514,000 | $ 0 |
| Flagler, Florida | 2 | $ 852,000 | $ 426,000 | $ 0 |
| Marion, Florida | 2 | $ 1,065,000 | $ 532,500 | $ 0 |
| Sarasota, Florida | 2 | $ 1,821,000 | $ 910,500 | $ 0 |
| Putnam, Georgia | 2 | $ 1,229,000 | $ 614,500 | $ 0 |
| Payette, Idaho | 2 | $ 92,000 | $ 46,000 | $ 34,000 |
| McHenry, Illinois | 2 | $ 722,000 | $ 361,000 | $ 0 |
| Allen, Indiana | 2 | $ 914,000 | $ 457,000 | $ 0 |
| Johnson, Kansas | 2 | $ 859,000 | $ 429,500 | $ 0 |
| Ascension, Louisiana | 2 | $ 873,000 | $ 436,500 | $ 0 |
| Jefferson, Louisiana | 2 | $ 1,396,000 | $ 698,000 | $ 0 |
| Anne Arundel, Maryland | 2 | $ 826,000 | $ 413,000 | $ 0 |
| Howard, Maryland | 2 | $ 980,000 | $ 490,000 | $ 0 |
| Worcester, Maryland | 2 | $ 1,069,000 | $ 534,500 | $ 0 |
| Macomb, Michigan | 2 | $ 842,000 | $ 421,000 | $ 0 |
| Washtenaw, Michigan | 2 | $ 1,034,000 | $ 517,000 | $ 0 |
| Douglas, Minnesota | 2 | $ 100,000 | $ 50,000 | $ 64,000 |
| Grant, Minnesota | 2 | $ 103,000 | $ 51,500 | $ 70,000 |
| Kandiyohi, Minnesota | 2 | $ 64,000 | $ 32,000 | $ 29,000 |
| Meeker, Minnesota | 2 | $ 156,000 | $ 78,000 | $ 32,000 |
| Polk, Minnesota | 2 | $ 26,000 | $ 13,000 | $ 86,000 |
| Pope, Minnesota | 2 | $ 26,000 | $ 13,000 | $ 31,000 |
| Washington, Minnesota | 2 | $ 389,000 | $ 194,500 | $ 15,000 |
| Yellow Medicine, Minnesota | 2 | $ 22,000 | $ 11,000 | $ 16,000 |
| Yellowstone, Montana | 2 | $ 724,000 | $ 362,000 | $ 0 |
| Hooker, Nebraska | 2 | $ 65,000 | $ 32,500 | $ 13,000 |
| Richmond, New York | 2 | $ 745,000 | $ 372,500 | $ 0 |
| Iredell, North Carolina | 2 | $ 775,000 | $ 387,500 | $ 0 |
| Orange, North Carolina | 2 | $ 1,072,000 | $ 536,000 | $ 0 |
| Dunn, North Dakota | 2 | $ 21,000 | $ 10,500 | $ 48,000 |
| Sargent, North Dakota | 2 | $ 23,000 | $ 11,500 | $ 15,000 |
| Benton, Oregon | 2 | $ 351,000 | $ 175,500 | $ 71,000 |
| Clatsop, Oregon | 2 | $ 703,000 | $ 351,500 | $ 90,000 |
| Jackson, Oregon | 2 | $ 522,000 | $ 261,000 | $ 19,000 |
| Delaware, Pennsylvania | 2 | $ 1,033,000 | $ 516,500 | $ 0 |
| Custer, South Dakota | 2 | $ 65,000 | $ 32,500 | $ 53,000 |
| Douglas, South Dakota | 2 | $ 15,000 | $ 7,500 | $ 20,000 |
| Roberts, South Dakota | 2 | $ 32,000 | $ 16,000 | $ 21,000 |
| Shannon, South Dakota | 2 | $ 7,000 | $ 3,500 | $ 52,000 |
| Kendall, Texas | 2 | $ 1,012,000 | $ 506,000 | $ 0 |
| Williamson, Texas | 2 | $ 920,000 | $ 460,000 | $ 0 |
| Weber, Utah | 2 | $ 518,000 | $ 259,000 | $ 12,000 |
| Arlington, Virginia | 2 | $ 1,540,000 | $ 770,000 | $ 0 |
| Henrico, Virginia | 2 | $ 807,000 | $ 403,500 | $ 0 |
| Island, Washington | 2 | $ 713,000 | $ 356,500 | $ 86,000 |
| Kitsap, Washington | 2 | $ 1,340,000 | $ 670,000 | $ 0 |
| Klickitat, Washington | 2 | $ 104,000 | $ 52,000 | $ 49,000 |
| San Juan, Washington | 2 | $ 1,250,000 | $ 625,000 | $ 0 |
| Thurston, Washington | 2 | $ 944,000 | $ 472,000 | $ 0 |
| Sawyer, Wisconsin | 2 | $ 21,000 | $ 10,500 | $ 38,000 |
| Washakie, Wyoming | 2 | $ 213,000 | $ 106,500 | $ 39,000 |
| Colbert, Alabama | 1 | $ 402,000 | $ 402,000 | $ 0 |
| Jefferson, Alabama | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Mobile, Alabama | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Tallapoosa, Alabama | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Cochise, Arizona | 1 | $ 20,000 | $ 20,000 | $ 27,000 |
| Graham, Arizona | 1 | $ 2,000 | $ 2,000 | $ 68,000 |
| Mohave, Arizona | 1 | $ 447,000 | $ 447,000 | $ 0 |
| Alpine, California | 1 | $ 536,000 | $ 536,000 | $ 0 |
| Colusa, California | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Del Norte, California | 1 | $ 48,000 | $ 48,000 | $ 85,000 |
| Tehama, California | 1 | $ 34,000 | $ 34,000 | $ 45,000 |
| Trinity, California | 1 | $ 200,000 | $ 200,000 | $ 216,000 |
| Lake, Colorado | 1 | $ 9,000 | $ 9,000 | $ 73,000 |
| Saguache, Colorado | 1 | $ 20,000 | $ 20,000 | $ 20,000 |
| Sedgwick, Colorado | 1 | $ 54,000 | $ 54,000 | $ 47,000 |
| Teller, Colorado | 1 | $ 705,000 | $ 705,000 | $ 0 |
| New Haven, Connecticut | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Tolland, Connecticut | 1 | $ 395,000 | $ 395,000 | $ 0 |
| New Castle, Delaware | 1 | $ 106,000 | $ 106,000 | $ 55,000 |
| Sussex, Delaware | 1 | $ 389,000 | $ 389,000 | $ 0 |
| Brevard, Florida | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Citrus, Florida | 1 | $ 602,000 | $ 602,000 | $ 0 |
| Lake, Florida | 1 | $ 616,000 | $ 616,000 | $ 0 |
| Nassau, Florida | 1 | $ 746,000 | $ 746,000 | $ 0 |
| Orange, Florida | 1 | $ 391,000 | $ 391,000 | $ 0 |
| St. Lucie, Florida | 1 | $ 382,000 | $ 382,000 | $ 0 |
| Volusia, Florida | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Barrow, Georgia | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Butts, Georgia | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Chatham, Georgia | 1 | $ 649,000 | $ 649,000 | $ 0 |
| Cherokee, Georgia | 1 | $ 440,000 | $ 440,000 | $ 0 |
| DeKalb, Georgia | 1 | $ 373,000 | $ 373,000 | $ 0 |
| Fayette, Georgia | 1 | $ 710,000 | $ 710,000 | $ 0 |
| Floyd, Georgia | 1 | $ 356,000 | $ 356,000 | $ 0 |
| Greene, Georgia | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Gwinnett, Georgia | 1 | $ 415,000 | $ 415,000 | $ 0 |
| Pickens, Georgia | 1 | $ 422,000 | $ 422,000 | $ 0 |
| Boise, Idaho | 1 | $ 26,000 | $ 26,000 | $ 69,000 |
| Boundary, Idaho | 1 | $ 104,000 | $ 104,000 | $ 36,000 |
| Gem, Idaho | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Idaho, Idaho | 1 | $ 52,000 | $ 52,000 | $ 47,000 |
| Owyhee, Idaho | 1 | $ 87,000 | $ 87,000 | $ 22,000 |
| Boone, Illinois | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Kane, Illinois | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Kendall, Illinois | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Will, Illinois | 1 | $ 493,000 | $ 493,000 | $ 0 |
| Winnebago, Illinois | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Boone, Indiana | 1 | $ 471,000 | $ 471,000 | $ 0 |
| Hamilton, Indiana | 1 | $ 342,000 | $ 342,000 | $ 0 |
| Steuben, Indiana | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Warrick, Indiana | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Black Hawk, Iowa | 1 | $ 84,000 | $ 84,000 | $ 44,000 |
| Chickasaw, Iowa | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Osceola, Iowa | 1 | $ 60,000 | $ 60,000 | $ 79,000 |
| Polk, Iowa | 1 | $ 16,000 | $ 16,000 | $ 36,000 |
| Wapello, Iowa | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Sedgwick, Kansas | 1 | $ 352,000 | $ 352,000 | $ 0 |
| Boone, Kentucky | 1 | $ 396,000 | $ 396,000 | $ 0 |
| Shelby, Kentucky | 1 | $ 436,000 | $ 436,000 | $ 0 |
| Calcasieu, Louisiana | 1 | $ 431,000 | $ 431,000 | $ 0 |
| Lafourche, Louisiana | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Terrebonne, Louisiana | 1 | $ 404,000 | $ 404,000 | $ 0 |
| Cumberland, Maine | 1 | $ 381,000 | $ 381,000 | $ 0 |
| Baltimore, Maryland | 1 | $ 631,000 | $ 631,000 | $ 0 |
| Charles, Maryland | 1 | $ 340,000 | $ 340,000 | $ 0 |
| Prince George's, Maryland | 1 | $ 357,000 | $ 357,000 | $ 0 |
| Barnstable, Massachusetts | 1 | $ 501,000 | $ 501,000 | $ 0 |
| Bristol, Massachusetts | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Essex, Massachusetts | 1 | $ 393,000 | $ 393,000 | $ 0 |
| Eaton, Michigan | 1 | $ 796,000 | $ 796,000 | $ 0 |
| Genesee, Michigan | 1 | $ 383,000 | $ 383,000 | $ 0 |
| Leelanau, Michigan | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Ottawa, Michigan | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Wayne, Michigan | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Becker, Minnesota | 1 | $ 64,000 | $ 64,000 | $ 92,000 |
| Big Stone, Minnesota | 1 | $ 6,000 | $ 6,000 | $ 34,000 |
| Crow Wing, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 56,000 |
| Dakota, Minnesota | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Dodge, Minnesota | 1 | $ 27,000 | $ 27,000 | $ 84,000 |
| Isanti, Minnesota | 1 | $ 30,000 | $ 30,000 | $ 172,000 |
| Mille Lacs, Minnesota | 1 | $ 33,000 | $ 33,000 | $ 48,000 |
| Murray, Minnesota | 1 | $ 12,000 | $ 12,000 | $ 80,000 |
| Pipestone, Minnesota | 1 | $ 37,000 | $ 37,000 | $ 16,000 |
| Ramsey, Minnesota | 1 | $ 43,000 | $ 43,000 | $ 25,000 |
| Rock, Minnesota | 1 | $ 46,000 | $ 46,000 | $ 20,000 |
| St. Louis, Minnesota | 1 | $ 10,000 | $ 10,000 | $ 65,000 |
| Swift, Minnesota | 1 | $ 18,000 | $ 18,000 | $ 68,000 |
| Watonwan, Minnesota | 1 | $ 50,000 | $ 50,000 | $ 282,000 |
| Winona, Minnesota | 1 | $ 10,000 | $ 10,000 | $ 19,000 |
| Harrison, Mississippi | 1 | $ 988,000 | $ 988,000 | $ 0 |
| Madison, Mississippi | 1 | $ 373,000 | $ 373,000 | $ 0 |
| Marion, Mississippi | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Rankin, Mississippi | 1 | $ 560,000 | $ 560,000 | $ 0 |
| St. Charles, Missouri | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Fallon, Montana | 1 | $ 17,000 | $ 17,000 | $ 48,000 |
| Flathead, Montana | 1 | $ 420,000 | $ 420,000 | $ 0 |
| Park, Montana | 1 | $ 3,000 | $ 3,000 | $ 36,000 |
| Grant, Nebraska | 1 | $ 45,000 | $ 45,000 | $ 59,000 |
| Lincoln, Nebraska | 1 | $ 6,000 | $ 6,000 | $ 36,000 |
| Scotts Bluff, Nebraska | 1 | $ 15,000 | $ 15,000 | $ 84,000 |
| Churchill, Nevada | 1 | $ 22,000 | $ 22,000 | $ 26,000 |
| Elko, Nevada | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Merrimack, New Hampshire | 1 | $ 368,000 | $ 368,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Bergen, New Jersey | 1 | $ 552,000 | $ 552,000 | $ 0 |
| Hudson, New Jersey | 1 | $ 648,000 | $ 648,000 | $ 0 |
| Mercer, New Jersey | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Middlesex, New Jersey | 1 | $ 366,000 | $ 366,000 | $ 0 |
| Morris, New Jersey | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Sussex, New Jersey | 1 | $ 408,000 | $ 408,000 | $ 0 |
| Union, New Jersey | 1 | $ 392,000 | $ 392,000 | $ 0 |
| Chaves, New Mexico | 1 | $ 62,000 | $ 62,000 | $ 66,000 |
| Cibola, New Mexico | 1 | $ 2,000 | $ 2,000 | $ 7,000 |
| Curry, New Mexico | 1 | $ 50,000 | $ 50,000 | $ 19,000 |
| Sierra, New Mexico | 1 | $ 48,000 | $ 48,000 | $ 84,000 |
| Taos, New Mexico | 1 | $ 388,000 | $ 388,000 | $ 0 |
| Albany, New York | 1 | $ 419,000 | $ 419,000 | $ 0 |
| Dutchess, New York | 1 | $ 468,000 | $ 468,000 | $ 0 |
| Greene, New York | 1 | $ 492,000 | $ 492,000 | $ 0 |
| Madison, New York | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Monroe, New York | 1 | $ 489,000 | $ 489,000 | $ 0 |
| Rockland, New York | 1 | $ 479,000 | $ 479,000 | $ 0 |
| Currituck, North Carolina | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Durham, North Carolina | 1 | $ 499,000 | $ 499,000 | $ 0 |
| Guilford, North Carolina | 1 | $ 444,000 | $ 444,000 | $ 0 |
| Jackson, North Carolina | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Moore, North Carolina | 1 | $ 480,000 | $ 480,000 | $ 0 |
| Transylvania, North Carolina | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Bowman, North Dakota | 1 | $ 11,000 | $ 11,000 | $ 47,000 |
| Burleigh, North Dakota | 1 | $ 25,000 | $ 25,000 | $ 77,000 |
| Foster, North Dakota | 1 | $ 3,000 | $ 3,000 | $ 12,000 |
| Golden Valley, North Dakota | 1 | $ 40,000 | $ 40,000 | $ 19,000 |
| McLean, North Dakota | 1 | $ 10,000 | $ 10,000 | $ 45,000 |
| Morton, North Dakota | 1 | $ 62,000 | $ 62,000 | $ 43,000 |
| Mountrail, North Dakota | 1 | $ 3,000 | $ 3,000 | $ 26,000 |
| Clermont, Ohio | 1 | $ 449,000 | $ 449,000 | $ 0 |
| Cuyahoga, Ohio | 1 | $ 437,000 | $ 437,000 | $ 0 |
| Delaware, Ohio | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Hamilton, Ohio | 1 | $ 399,000 | $ 399,000 | $ 0 |
| Warren, Ohio | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Pottawatomie, Oklahoma | 1 | $ 403,000 | $ 403,000 | $ 0 |
| Tulsa, Oklahoma | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Crook, Oregon | 1 | $ 123,000 | $ 123,000 | $ 24,000 |
| Curry, Oregon | 1 | $ 150,000 | $ 150,000 | $ 76,000 |
| Tillamook, Oregon | 1 | $ 548,000 | $ 548,000 | $ 0 |
| Yamhill, Oregon | 1 | $ 35,000 | $ 35,000 | $ 26,000 |
| Philadelphia, Pennsylvania | 1 | $ 460,000 | $ 460,000 | $ 0 |
| Wayne, Pennsylvania | 1 | $ 650,000 | $ 650,000 | $ 0 |
| Beaufort, South Carolina | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 439,000 | $ 439,000 | $ 0 |
| Bennett, South Dakota | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| Brule, South Dakota | 1 | $ 87,000 | $ 87,000 | $ 33,000 |
| Clark, South Dakota | 1 | $ 3,000 | $ 3,000 | $ 40,000 |
| Dewey, South Dakota | 1 | $ 30,000 | $ 30,000 | $ 75,000 |
| Gregory, South Dakota | 1 | $ 4,000 | $ 4,000 | $ 43,000 |
| Pennington, South Dakota | 1 | $ 20,000 | $ 20,000 | $ 45,000 |
| Yankton, South Dakota | 1 | $ 24,000 | $ 24,000 | $ 41,000 |
| Blount, Tennessee | 1 | $ 338,000 | $ 338,000 | $ 0 |
| Bradley, Tennessee | 1 | $ 394,000 | $ 394,000 | $ 0 |
| Overton, Tennessee | 1 | $ 410,000 | $ 410,000 | $ 0 |
| Sevier, Tennessee | 1 | $ 424,000 | $ 424,000 | $ 0 |
| Shelby, Tennessee | 1 | $ 376,000 | $ 376,000 | $ 0 |
| Sullivan, Tennessee | 1 | $ 580,000 | $ 580,000 | $ 0 |
| Sumner, Tennessee | 1 | $ 595,000 | $ 595,000 | $ 0 |
| El Paso, Texas | 1 | $ 5,000 | $ 5,000 | $ 37,000 |
| Galveston, Texas | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Hays, Texas | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Kaufman, Texas | 1 | $ 511,000 | $ 511,000 | $ 0 |
| Lubbock, Texas | 1 | $ 360,000 | $ 360,000 | $ 0 |
| McLennan, Texas | 1 | $ 548,000 | $ 548,000 | $ 0 |
| Montgomery, Texas | 1 | $ 476,000 | $ 476,000 | $ 0 |
| Parker, Texas | 1 | $ 512,000 | $ 512,000 | $ 0 |
| Tooele, Utah | 1 | $ 51,000 | $ 51,000 | $ 396,000 |
| Albemarle, Virginia | 1 | $ 440,000 | $ 440,000 | $ 0 |
| Botetourt, Virginia | 1 | $ 453,000 | $ 453,000 | $ 0 |
| Chesapeake, Virginia | 1 | $ 363,000 | $ 363,000 | $ 0 |
| Lancaster, Virginia | 1 | $ 364,000 | $ 364,000 | $ 0 |
| Norfolk, Virginia | 1 | $ 496,000 | $ 496,000 | $ 0 |
| Prince William, Virginia | 1 | $ 482,000 | $ 482,000 | $ 0 |
| Stafford, Virginia | 1 | $ 524,000 | $ 524,000 | $ 0 |
| Chelan, Washington | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Jefferson, Washington | 1 | $ 591,000 | $ 591,000 | $ 0 |
| Skagit, Washington | 1 | $ 184,000 | $ 184,000 | $ 148,000 |
| Spokane, Washington | 1 | $ 360,000 | $ 360,000 | $ 0 |
| Barron, Wisconsin | 1 | $ 18,000 | $ 18,000 | $ 59,000 |
| Bayfield, Wisconsin | 1 | $ 25,000 | $ 25,000 | $ 232,000 |
| La Crosse, Wisconsin | 1 | $ 39,000 | $ 39,000 | $ 92,000 |
| Manitowoc, Wisconsin | 1 | $ 20,000 | $ 20,000 | $ 34,000 |
| Milwaukee, Wisconsin | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Ozaukee, Wisconsin | 1 | $ 517,000 | $ 517,000 | $ 0 |
| Polk, Wisconsin | 1 | $ 19,000 | $ 19,000 | $ 152,000 |
| St. Croix, Wisconsin | 1 | $ 27,000 | $ 27,000 | $ 19,000 |
| Taylor, Wisconsin | 1 | $ 52,000 | $ 52,000 | $ 50,000 |
| Walworth, Wisconsin | 1 | $ 371,000 | $ 371,000 | $ 0 |
| Johnson, Wyoming | 1 | $ 28,000 | $ 28,000 | $ 20,000 |
| Teton, Wyoming | 1 | $ 57,000 | $ 57,000 | $ 29,000 |
| Weston, Wyoming | 1 | $ 20,000 | $ 20,000 | $ 39,000 |
Mortgage Loan Application Detail Totals for Bank of the West 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 | 5,543 | $1,136,272,000 | $324,609 | $1,500,000 | $24,341 | $1,702,000 |
| Home Purchase | 3,344 | $899,784,000 | $359,266 | $4,368,000 | $40,111 | $9,999,000 |
| Home Improvement | 2,899 | $206,709,000 | $234,178 | $1,000,000 | $34,750 | $1,200,000 |
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 | 4,708 | $450,940,000 | $70,263 | $4,368,000 | $65,842 | $2,233,000 |
| Not applicable | 3,675 | $1,428,526,000 | $448,840 | $2,780,000 | $15,454 | $9,999,000 |
| Hispanic | 1,567 | $136,962,000 | $54,428 | $591,000 | $54,714 | $1,545,000 |
| Not Provided | 1,056 | $124,412,000 | $67,153 | $1,000,000 | $63,153 | $600,000 |
| Asian | 456 | $68,512,000 | $119,750 | $836,000 | $80,125 | $966,000 |
| Black or African American | 182 | $20,960,000 | $57,250 | $980,000 | $50,875 | $840,000 |
| American Indian or Alaskan Native | 82 | $5,521,000 | $47,461 | $375,000 | $53,846 | $194,000 |
| Native Hawaiian or Other Pacific Islander | 60 | $6,932,000 | $85,500 | $350,000 | $61,750 | $902,000 |
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) | 11,786 | $2,242,765,000 | $336,723 | $4,368,000 | $25,617 | $9,999,000 |
| 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 | 4,640 | $511,024,000 | $62,941 | $4,368,000 | $99,705 | $9,999,000 |
| Loan Purchased By The Institution | 3,650 | $1,406,678,000 | $444,357 | $1,365,000 | $0 | $0 |
| Application Denied By Financial Institution | 2,702 | $224,970,000 | $56,100 | $1,000,000 | $44,500 | $1,702,000 |
| Application Withdrawn By Applicant | 286 | $49,947,000 | $114,000 | $937,000 | $86,437 | $565,000 |
| Preapproval Denied by Financial Institution | 261 | $21,403,000 | $82,000 | $585,000 | $60,000 | $300,000 |
| Application Approved But Not Accepted | 201 | $18,564,000 | $91,285 | $1,000,000 | $92,285 | $1,020,000 |
| Preapproval Approved but not Accepted | 24 | $5,435,000 | $226,000 | $600,000 | $68,000 | $252,000 |
| File Closed For Incompleteness | 22 | $4,744,000 | $130,800 | $700,000 | $61,600 | $300,000 |
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 | 1,420 | $98,110,000 | $40,277 | $515,000 | $43,555 | $466,000 |
| Debt-To-Income Ratio | 955 | $88,304,000 | $66,388 | $650,000 | $35,777 | $360,000 |
| Collateral | 227 | $24,991,000 | $71,083 | $482,000 | $57,750 | $480,000 |
| Other | 192 | $18,391,000 | $66,222 | $1,000,000 | $73,777 | $1,702,000 |
| Employment History | 87 | $5,576,000 | $35,538 | $750,000 | $40,153 | $394,000 |
| Credit Application Incomplete | 72 | $9,602,000 | $100,400 | $628,000 | $90,200 | $336,000 |
| Unverifiable Information | 7 | $947,000 | $140,500 | $287,000 | $56,000 | $333,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $452,000 | $139,000 | $272,000 | $43,000 | $62,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West'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 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.
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