Bank of the West Mortgage Lending & HMDA Data, 2005

In 2005, Bank of the West of Monterey Park, CA reported 27,992 mortgage applications totaling $4.6 billion, up 138% from 2004. The average application was for $163,307, and applicants reported an average income of $53,374. 42% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (2,082), Los Angeles-Long Beach-Glendale, CA (1,638) and Wichita, KS (1,227) (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 27,992
Total Mortgage Loan Application Amount $4,571,308,000
Average Mortgage Loan Application Amount $163,307
Highest Mortgage Loan Application Amount $11,000,000
Average Applicant Income $53,374
Highest Applicant Income $2,544,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bank of the West by County in 2005

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 1,638 $ 361,720,000 $ 220,830 $ 77,000
Douglas, Nebraska 1,589 $ 180,363,000 $ 113,507 $ 43,000
Sedgwick, Kansas 939 $ 93,317,000 $ 99,379 $ 48,000
Orange, California 827 $ 235,302,000 $ 284,524 $ 96,000
Santa Clara, California 617 $ 126,622,000 $ 205,222 $ 83,000
Polk, Iowa 576 $ 78,646,000 $ 136,538 $ 53,000
Lancaster, Nebraska 501 $ 51,245,000 $ 102,285 $ 43,000
Maricopa, Arizona 450 $ 103,675,000 $ 230,388 $ 97,000
Stanislaus, California 444 $ 44,580,000 $ 100,405 $ 71,000
Alameda, California 416 $ 84,968,000 $ 204,250 $ 69,000
San Diego, California 350 $ 129,047,000 $ 368,705 $ 74,000
San Joaquin, California 350 $ 44,857,000 $ 128,162 $ 80,000
Sarpy, Nebraska 341 $ 43,540,000 $ 127,683 $ 57,000
Garfield, Oklahoma 339 $ 26,202,000 $ 77,292 $ 37,000
Pima, Arizona 338 $ 60,229,000 $ 178,192 $ 58,000
Bernalillo, New Mexico 333 $ 24,474,000 $ 73,495 $ 70,000
Contra Costa, California 327 $ 71,276,000 $ 217,969 $ 75,000
San Bernardino, California 319 $ 68,800,000 $ 215,673 $ 86,000
Jefferson, Colorado 318 $ 49,106,000 $ 154,421 $ 61,000
Sacramento, California 303 $ 51,670,000 $ 170,528 $ 67,000
Linn, Iowa 257 $ 27,807,000 $ 108,198 $ 45,000
Denver, Colorado 241 $ 45,890,000 $ 190,414 $ 57,000
Jackson, Missouri 238 $ 32,356,000 $ 135,949 $ 46,000
Fresno, California 226 $ 25,172,000 $ 111,380 $ 54,000
Adams, Colorado 217 $ 32,145,000 $ 148,133 $ 52,000
Riverside, California 204 $ 57,478,000 $ 281,754 $ 111,000
Multnomah, Oregon 188 $ 26,085,000 $ 138,750 $ 66,000
Arapahoe, Colorado 180 $ 26,529,000 $ 147,383 $ 48,000
Oklahoma, Oklahoma 172 $ 18,658,000 $ 108,476 $ 51,000
Ventura, California 168 $ 52,522,000 $ 312,630 $ 70,000
Boone, Iowa 162 $ 13,006,000 $ 80,283 $ 39,000
Pottawattamie, Iowa 158 $ 15,231,000 $ 96,398 $ 42,000
Pinal, Arizona 147 $ 16,278,000 $ 110,734 $ 43,000
Larimer, Colorado 140 $ 23,612,000 $ 168,657 $ 61,000
Butler, Kansas 140 $ 13,839,000 $ 98,850 $ 53,000
Butte, California 138 $ 9,725,000 $ 70,471 $ 50,000
Solano, California 138 $ 22,965,000 $ 166,413 $ 72,000
Clark, Nevada 132 $ 30,785,000 $ 233,219 $ 81,000
San Mateo, California 126 $ 41,345,000 $ 328,134 $ 97,000
Pulaski, Missouri 125 $ 16,880,000 $ 135,040 $ 41,000
Ford, Kansas 124 $ 9,765,000 $ 78,750 $ 40,000
Sonoma, California 122 $ 22,731,000 $ 186,319 $ 59,000
Tulare, California 120 $ 9,931,000 $ 82,758 $ 49,000
Kern, California 117 $ 14,317,000 $ 122,367 $ 89,000
Placer, California 117 $ 25,746,000 $ 220,051 $ 64,000
Sweetwater, Wyoming 114 $ 3,894,000 $ 34,157 $ 52,000
San Francisco, California 113 $ 43,109,000 $ 381,495 $ 92,000
Tulsa, Oklahoma 111 $ 13,415,000 $ 120,855 $ 63,000
Harvey, Kansas 109 $ 9,996,000 $ 91,706 $ 36,000
Boulder, Colorado 108 $ 19,989,000 $ 185,083 $ 50,000
Dallas, Iowa 106 $ 18,253,000 $ 172,198 $ 56,000
Johnson, Kansas 106 $ 15,747,000 $ 148,556 $ 48,000
Weld, Colorado 105 $ 14,649,000 $ 139,514 $ 48,000
Madison, Nebraska 101 $ 7,407,000 $ 73,336 $ 33,000
Johnson, Iowa 100 $ 14,368,000 $ 143,680 $ 61,000
Buffalo, Nebraska 98 $ 9,613,000 $ 98,091 $ 29,000
Washoe, Nevada 97 $ 20,240,000 $ 208,659 $ 74,000
Lincoln, Nebraska 94 $ 7,576,000 $ 80,595 $ 40,000
King, Washington 94 $ 48,355,000 $ 514,414 $ 98,000
Finney, Kansas 89 $ 8,675,000 $ 97,471 $ 43,000
Hall, Nebraska 89 $ 6,913,000 $ 77,674 $ 32,000
Washington, Oregon 85 $ 9,993,000 $ 117,564 $ 55,000
Hennepin, Minnesota 82 $ 20,215,000 $ 246,524 $ 64,000
Douglas, Colorado 81 $ 16,745,000 $ 206,728 $ 80,000
Clackamas, Oregon 81 $ 11,960,000 $ 147,654 $ 66,000
Dona Ana, New Mexico 80 $ 4,529,000 $ 56,612 $ 47,000
Kings, California 78 $ 4,935,000 $ 63,269 $ 62,000
Yolo, California 74 $ 12,023,000 $ 162,472 $ 68,000
Platte, Nebraska 74 $ 5,353,000 $ 72,337 $ 37,000
Harris, Texas 72 $ 29,192,000 $ 405,444 $ 37,000
Cook, Illinois 71 $ 31,731,000 $ 446,915 $ 18,000
Kay, Oklahoma 70 $ 3,920,000 $ 56,000 $ 43,000
Mesa, Colorado 69 $ 6,691,000 $ 96,971 $ 51,000
Fulton, Georgia 68 $ 25,399,000 $ 373,514 $ 30,000
Cass, Nebraska 64 $ 6,996,000 $ 109,312 $ 50,000
Dawson, Nebraska 64 $ 4,382,000 $ 68,468 $ 32,000
Napa, California 62 $ 11,006,000 $ 177,516 $ 76,000
Franklin, Kansas 61 $ 5,648,000 $ 92,590 $ 47,000
Cleveland, Oklahoma 60 $ 5,936,000 $ 98,933 $ 73,000
Wapello, Iowa 57 $ 2,385,000 $ 41,842 $ 28,000
Washington, Nebraska 57 $ 8,043,000 $ 141,105 $ 46,000
Pontotoc, Oklahoma 57 $ 4,328,000 $ 75,929 $ 48,000
El Dorado, California 56 $ 12,507,000 $ 223,339 $ 55,000
Cass, North Dakota 56 $ 2,118,000 $ 37,821 $ 68,000
Fairfax, Virginia 56 $ 24,204,000 $ 432,214 $ 54,000
Harrison, Iowa 55 $ 6,152,000 $ 111,854 $ 49,000
Dodge, Nebraska 55 $ 4,829,000 $ 87,800 $ 35,000
Decatur, Iowa 54 $ 3,771,000 $ 69,833 $ 34,000
Warren, Iowa 54 $ 6,828,000 $ 126,444 $ 62,000
Anoka, Minnesota 53 $ 6,005,000 $ 113,301 $ 57,000
Salt Lake, Utah 53 $ 10,881,000 $ 205,301 $ 96,000
Monterey, California 52 $ 15,147,000 $ 291,288 $ 74,000
Santa Cruz, California 52 $ 15,800,000 $ 303,846 $ 69,000
Winneshiek, Iowa 51 $ 1,618,000 $ 31,725 $ 57,000
Broomfield, Colorado 50 $ 7,860,000 $ 157,200 $ 55,000
Laramie, Wyoming 50 $ 2,946,000 $ 58,920 $ 63,000
Scott, Iowa 49 $ 4,429,000 $ 90,387 $ 64,000
Clay, Missouri 49 $ 6,749,000 $ 137,734 $ 59,000
Lake, California 47 $ 4,132,000 $ 87,914 $ 35,000
Reno, Kansas 47 $ 3,933,000 $ 83,680 $ 50,000
El Paso, Colorado 45 $ 10,898,000 $ 242,177 $ 82,000
Otter Tail, Minnesota 45 $ 2,216,000 $ 49,244 $ 49,000
Payne, Oklahoma 45 $ 5,066,000 $ 112,577 $ 45,000
Cobb, Georgia 44 $ 12,514,000 $ 284,409 $ 68,000
Saline, Kansas 44 $ 4,659,000 $ 105,886 $ 29,000
Dallas, Texas 44 $ 19,056,000 $ 433,090 $ 23,000
Nevada, California 42 $ 6,647,000 $ 158,261 $ 76,000
Apache, Arizona 41 $ 2,049,000 $ 49,975 $ 54,000
Carroll, Iowa 40 $ 2,858,000 $ 71,450 $ 43,000
Montgomery, Maryland 40 $ 17,458,000 $ 436,450 $ 88,000
Scotts Bluff, Nebraska 40 $ 3,078,000 $ 76,950 $ 47,000
Lincoln, Oregon 40 $ 2,773,000 $ 69,325 $ 52,000
Douglas, Kansas 39 $ 11,947,000 $ 306,333 $ 59,000
Sumner, Kansas 39 $ 3,371,000 $ 86,435 $ 42,000
Adams, Nebraska 39 $ 2,645,000 $ 67,820 $ 27,000
Gila, Arizona 38 $ 1,942,000 $ 51,105 $ 40,000
Montrose, Colorado 37 $ 3,607,000 $ 97,486 $ 51,000
Santa Barbara, California 36 $ 9,101,000 $ 252,805 $ 47,000
Sandoval, New Mexico 36 $ 1,680,000 $ 46,666 $ 66,000
DeKalb, Georgia 35 $ 10,496,000 $ 299,885 $ 37,000
Suffolk, New York 35 $ 16,763,000 $ 478,942 $ 0
Cowley, Kansas 34 $ 2,704,000 $ 79,529 $ 45,000
Leavenworth, Kansas 34 $ 4,263,000 $ 125,382 $ 40,000
Gage, Nebraska 33 $ 2,079,000 $ 63,000 $ 38,000
Nassau, New York 33 $ 16,618,000 $ 503,575 $ 0
Carbon, Wyoming 33 $ 986,000 $ 29,878 $ 40,000
Delta, Colorado 32 $ 2,921,000 $ 91,281 $ 24,000
Geary, Kansas 32 $ 2,957,000 $ 92,406 $ 19,000
York, Maine 32 $ 7,056,000 $ 220,500 $ 5,000
Lyon, Minnesota 32 $ 1,176,000 $ 36,750 $ 52,000
Box Butte, Nebraska 32 $ 1,531,000 $ 47,843 $ 45,000
Navajo, Arizona 31 $ 1,943,000 $ 62,677 $ 55,000
Story, Iowa 31 $ 7,514,000 $ 242,387 $ 45,000
Saunders, Nebraska 31 $ 3,611,000 $ 116,483 $ 54,000
Wasco, Oregon 31 $ 1,977,000 $ 63,774 $ 67,000
Dakota, Minnesota 30 $ 6,117,000 $ 203,900 $ 35,000
St. Louis, Missouri 30 $ 9,306,000 $ 310,200 $ 24,000
Pittsburg, Oklahoma 30 $ 2,788,000 $ 92,933 $ 26,000
Miami-Dade, Florida 29 $ 15,854,000 $ 546,689 $ 48,000
Canyon, Idaho 29 $ 2,401,000 $ 82,793 $ 33,000
Canadian, Oklahoma 29 $ 3,095,000 $ 106,724 $ 55,000
Columbia, Oregon 29 $ 1,999,000 $ 68,931 $ 57,000
Benton, Washington 29 $ 2,542,000 $ 87,655 $ 48,000
Marin, California 28 $ 11,705,000 $ 418,035 $ 124,000
Brevard, Florida 28 $ 7,242,000 $ 258,642 $ 0
Anderson, Kansas 28 $ 2,168,000 $ 77,428 $ 36,000
Dawes, Nebraska 28 $ 1,197,000 $ 42,750 $ 59,000
Tarrant, Texas 28 $ 10,871,000 $ 388,250 $ 13,000
Moffat, Colorado 27 $ 1,307,000 $ 48,407 $ 63,000
Gwinnett, Georgia 27 $ 5,520,000 $ 204,444 $ 31,000
Black Hawk, Iowa 27 $ 2,802,000 $ 103,777 $ 29,000
Collin, Texas 27 $ 8,309,000 $ 307,740 $ 25,000
Franklin, Washington 27 $ 2,057,000 $ 76,185 $ 52,000
Merced, California 26 $ 3,918,000 $ 150,692 $ 47,000
Ada, Idaho 26 $ 3,687,000 $ 141,807 $ 36,000
Davis, Iowa 26 $ 1,460,000 $ 56,153 $ 41,000
Otoe, Nebraska 26 $ 2,611,000 $ 100,423 $ 35,000
Richland, North Dakota 26 $ 622,000 $ 23,923 $ 40,000
Washburn, Wisconsin 26 $ 1,331,000 $ 51,192 $ 74,000
Lee, Florida 25 $ 7,438,000 $ 297,520 $ 36,000
Mitchell, Kansas 25 $ 1,892,000 $ 75,680 $ 38,000
Wilkin, Minnesota 25 $ 720,000 $ 28,800 $ 47,000
Marion, Oregon 25 $ 2,691,000 $ 107,640 $ 36,000
Woodbury, Iowa 24 $ 927,000 $ 38,625 $ 49,000
McPherson, Kansas 24 $ 2,401,000 $ 100,041 $ 30,000
Nobles, Minnesota 24 $ 1,138,000 $ 47,416 $ 67,000
Washington, Oklahoma 24 $ 1,701,000 $ 70,875 $ 39,000
Umatilla, Oregon 24 $ 1,680,000 $ 70,000 $ 46,000
Yavapai, Arizona 23 $ 1,993,000 $ 86,652 $ 33,000
San Luis Obispo, California 23 $ 10,026,000 $ 435,913 $ 190,000
Tuolumne, California 23 $ 2,932,000 $ 127,478 $ 100,000
Broward, Florida 23 $ 8,094,000 $ 351,913 $ 68,000
Orange, Florida 23 $ 4,188,000 $ 182,086 $ 9,000
DuPage, Illinois 23 $ 9,667,000 $ 420,304 $ 5,000
Barton, Kansas 23 $ 1,449,000 $ 63,000 $ 45,000
Prince George's, Maryland 23 $ 6,945,000 $ 301,956 $ 50,000
Cass, Missouri 23 $ 2,835,000 $ 123,260 $ 35,000
Valencia, New Mexico 23 $ 1,227,000 $ 53,347 $ 65,000
Travis, Texas 23 $ 9,988,000 $ 434,260 $ 34,000
Natrona, Wyoming 23 $ 887,000 $ 38,565 $ 52,000
Park, Wyoming 23 $ 1,215,000 $ 52,826 $ 53,000
Manatee, Florida 22 $ 5,715,000 $ 259,772 $ 6,000
Osage, Oklahoma 22 $ 1,938,000 $ 88,090 $ 42,000
Rogers, Oklahoma 22 $ 3,000,000 $ 136,363 $ 39,000
Seminole, Oklahoma 22 $ 1,278,000 $ 58,090 $ 37,000
Minnehaha, South Dakota 22 $ 2,389,000 $ 108,590 $ 48,000
Prince William, Virginia 22 $ 8,006,000 $ 363,909 $ 77,000
Elbert, Colorado 21 $ 2,789,000 $ 132,809 $ 58,000
Palm Beach, Florida 21 $ 9,939,000 $ 473,285 $ 53,000
Barber, Kansas 21 $ 1,078,000 $ 51,333 $ 33,000
Oakland, Michigan 21 $ 8,792,000 $ 418,666 $ 41,000
Dakota, Nebraska 21 $ 1,728,000 $ 82,285 $ 46,000
Yakima, Washington 21 $ 1,237,000 $ 58,904 $ 45,000
Hillsborough, Florida 20 $ 5,083,000 $ 254,150 $ 39,000
Buchanan, Iowa 20 $ 2,179,000 $ 108,950 $ 34,000
York, Nebraska 20 $ 1,639,000 $ 81,950 $ 52,000
Montgomery, Texas 20 $ 6,911,000 $ 345,550 $ 14,000
Clark, Washington 20 $ 4,545,000 $ 227,250 $ 95,000
Baldwin, Alabama 19 $ 9,560,000 $ 503,157 $ 172,000
Lake, Illinois 19 $ 7,006,000 $ 368,736 $ 35,000
Clay, Minnesota 19 $ 625,000 $ 32,894 $ 50,000
Campbell, Wyoming 19 $ 569,000 $ 29,947 $ 37,000
Jones, Iowa 18 $ 1,374,000 $ 76,333 $ 45,000
Shelby, Iowa 18 $ 1,700,000 $ 94,444 $ 47,000
Jefferson, Alabama 17 $ 6,147,000 $ 361,588 $ 32,000
Pasco, Florida 17 $ 3,769,000 $ 221,705 $ 14,000
Mahaska, Iowa 17 $ 1,391,000 $ 81,823 $ 36,000
Riley, Kansas 17 $ 2,002,000 $ 117,764 $ 48,000
Carson City, Nevada 17 $ 2,089,000 $ 122,882 $ 31,000
Cuyahoga, Ohio 17 $ 6,733,000 $ 396,058 $ 6,000
Woods, Oklahoma 17 $ 863,000 $ 50,764 $ 31,000
Bexar, Texas 17 $ 7,424,000 $ 436,705 $ 22,000
Kittitas, Washington 17 $ 1,786,000 $ 105,058 $ 37,000
Platte, Wyoming 17 $ 474,000 $ 27,882 $ 35,000
Fairfield, Connecticut 16 $ 7,889,000 $ 493,062 $ 36,000
Pawnee, Kansas 16 $ 1,273,000 $ 79,562 $ 47,000
Baltimore, Maryland 16 $ 5,679,000 $ 354,937 $ 67,000
Santa Fe, New Mexico 16 $ 5,151,000 $ 321,937 $ 158,000
Carter, Oklahoma 16 $ 1,264,000 $ 79,000 $ 46,000
Spink, South Dakota 16 $ 430,000 $ 26,875 $ 49,000
Loudoun, Virginia 16 $ 7,921,000 $ 495,062 $ 0
Fremont, Wyoming 16 $ 602,000 $ 37,625 $ 50,000
Lincoln, Wyoming 16 $ 542,000 $ 33,875 $ 40,000
Uinta, Wyoming 16 $ 660,000 $ 41,250 $ 52,000
Coconino, Arizona 15 $ 1,985,000 $ 132,333 $ 49,000
Boone, Arkansas 15 $ 1,037,000 $ 69,133 $ 25,000
Calaveras, California 15 $ 1,816,000 $ 121,066 $ 70,000
Chaffee, Colorado 15 $ 1,204,000 $ 80,266 $ 60,000
Grand, Colorado 15 $ 1,753,000 $ 116,866 $ 74,000
Routt, Colorado 15 $ 1,444,000 $ 96,266 $ 112,000
Pinellas, Florida 15 $ 3,791,000 $ 252,733 $ 207,000
Marshall, Iowa 15 $ 758,000 $ 50,533 $ 28,000
Harper, Kansas 15 $ 712,000 $ 47,466 $ 40,000
Wyandotte, Kansas 15 $ 1,519,000 $ 101,266 $ 45,000
Middlesex, Massachusetts 15 $ 4,125,000 $ 275,000 $ 47,000
Washtenaw, Michigan 15 $ 6,310,000 $ 420,666 $ 46,000
Lincoln, Minnesota 15 $ 556,000 $ 37,066 $ 58,000
Wake, North Carolina 15 $ 5,147,000 $ 343,133 $ 13,000
Sheridan, Wyoming 15 $ 524,000 $ 34,933 $ 53,000
Summit, Colorado 14 $ 2,650,000 $ 189,285 $ 55,000
Collier, Florida 14 $ 5,234,000 $ 373,857 $ 0
Benton, Iowa 14 $ 1,981,000 $ 141,500 $ 52,000
Edwards, Kansas 14 $ 381,000 $ 27,214 $ 29,000
Anne Arundel, Maryland 14 $ 5,817,000 $ 415,500 $ 56,000
Wayne, Michigan 14 $ 4,175,000 $ 298,214 $ 27,000
Traverse, Minnesota 14 $ 514,000 $ 36,714 $ 42,000
Phelps, Nebraska 14 $ 929,000 $ 66,357 $ 34,000
Westchester, New York 14 $ 6,197,000 $ 442,642 $ 29,000
Mecklenburg, North Carolina 14 $ 3,637,000 $ 259,785 $ 0
Major, Oklahoma 14 $ 988,000 $ 70,571 $ 48,000
Wagoner, Oklahoma 14 $ 2,150,000 $ 153,571 $ 47,000
Pierce, Washington 14 $ 5,210,000 $ 372,142 $ 22,000
Washakie, Wyoming 14 $ 557,000 $ 39,785 $ 43,000
Madera, California 13 $ 1,556,000 $ 119,692 $ 66,000
Guthrie, Iowa 13 $ 1,338,000 $ 102,923 $ 67,000
Mills, Iowa 13 $ 2,221,000 $ 170,846 $ 46,000
Miami, Kansas 13 $ 2,052,000 $ 157,846 $ 45,000
Houston, Minnesota 13 $ 397,000 $ 30,538 $ 41,000
Stearns, Minnesota 13 $ 1,224,000 $ 94,153 $ 47,000
Wright, Minnesota 13 $ 2,152,000 $ 165,538 $ 44,000
Platte, Missouri 13 $ 2,099,000 $ 161,461 $ 87,000
Colfax, Nebraska 13 $ 716,000 $ 55,076 $ 29,000
Kearney, Nebraska 13 $ 784,000 $ 60,307 $ 36,000
Lincoln, Oklahoma 13 $ 1,287,000 $ 99,000 $ 33,000
Logan, Oklahoma 13 $ 1,765,000 $ 135,769 $ 25,000
Denton, Texas 13 $ 4,299,000 $ 330,692 $ 0
Arlington, Virginia 13 $ 5,925,000 $ 455,769 $ 42,000
Yuba, California 12 $ 1,756,000 $ 146,333 $ 33,000
Park, Colorado 12 $ 1,062,000 $ 88,500 $ 72,000
Pueblo, Colorado 12 $ 1,172,000 $ 97,666 $ 42,000
Chatham, Georgia 12 $ 3,270,000 $ 272,500 $ 13,000
McHenry, Illinois 12 $ 3,462,000 $ 288,500 $ 38,000
Morrison, Minnesota 12 $ 393,000 $ 32,750 $ 48,000
Butler, Nebraska 12 $ 565,000 $ 47,083 $ 32,000
Cuming, Nebraska 12 $ 920,000 $ 76,666 $ 43,000
Pierce, Nebraska 12 $ 1,045,000 $ 87,083 $ 49,000
Seward, Nebraska 12 $ 1,079,000 $ 89,916 $ 13,000
Franklin, Ohio 12 $ 2,804,000 $ 233,666 $ 50,000
Hamilton, Ohio 12 $ 4,333,000 $ 361,083 $ 35,000
Fort Bend, Texas 12 $ 4,672,000 $ 389,333 $ 0
Goshen, Wyoming 12 $ 605,000 $ 50,416 $ 49,000
Forsyth, Georgia 11 $ 4,302,000 $ 391,090 $ 27,000
Muscogee, Georgia 11 $ 1,883,000 $ 171,181 $ 14,000
Marion, Kansas 11 $ 1,378,000 $ 125,272 $ 44,000
Howard, Maryland 11 $ 4,235,000 $ 385,000 $ 63,000
Grant, Minnesota 11 $ 350,000 $ 31,818 $ 67,000
Swift, Minnesota 11 $ 418,000 $ 38,000 $ 64,000
St. Charles, Missouri 11 $ 2,090,000 $ 190,000 $ 14,000
Cherry, Nebraska 11 $ 431,000 $ 39,181 $ 28,000
Cheyenne, Nebraska 11 $ 691,000 $ 62,818 $ 37,000
Keith, Nebraska 11 $ 811,000 $ 73,727 $ 24,000
Malheur, Oregon 11 $ 946,000 $ 86,000 $ 96,000
Charleston, South Carolina 11 $ 2,309,000 $ 209,909 $ 36,000
Beadle, South Dakota 11 $ 277,000 $ 25,181 $ 64,000
Fall River, South Dakota 11 $ 519,000 $ 47,181 $ 46,000
Davis, Utah 11 $ 2,176,000 $ 197,818 $ 30,000
Las Animas, Colorado 10 $ 346,000 $ 34,600 $ 22,000
St. Lucie, Florida 10 $ 1,294,000 $ 129,400 $ 33,000
Cherokee, Georgia 10 $ 1,970,000 $ 197,000 $ 34,000
Honolulu, Hawaii 10 $ 6,592,000 $ 659,200 $ 0
Fayette, Iowa 10 $ 648,000 $ 64,800 $ 42,000
Dickinson, Kansas 10 $ 1,054,000 $ 105,400 $ 31,000
Gray, Kansas 10 $ 791,000 $ 79,100 $ 27,000
Osage, Kansas 10 $ 684,000 $ 68,400 $ 38,000
Macomb, Michigan 10 $ 2,334,000 $ 233,400 $ 19,000
St. Clair, Michigan 10 $ 1,822,000 $ 182,200 $ 34,000
Carver, Minnesota 10 $ 3,126,000 $ 312,600 $ 39,000
Cottonwood, Minnesota 10 $ 220,000 $ 22,000 $ 50,000
Scott, Minnesota 10 $ 2,710,000 $ 271,000 $ 55,000
Laclede, Missouri 10 $ 1,191,000 $ 119,100 $ 26,000
Cedar, Nebraska 10 $ 800,000 $ 80,000 $ 28,000
Stanton, Nebraska 10 $ 1,007,000 $ 100,700 $ 39,000
Bergen, New Jersey 10 $ 5,309,000 $ 530,900 $ 0
Jackson, Oklahoma 10 $ 789,000 $ 78,900 $ 67,000
McClain, Oklahoma 10 $ 1,265,000 $ 126,500 $ 55,000
Pottawatomie, Oklahoma 10 $ 1,010,000 $ 101,000 $ 40,000
Montgomery, Pennsylvania 10 $ 3,256,000 $ 325,600 $ 21,000
Virginia Beach, Virginia 10 $ 2,183,000 $ 218,300 $ 17,000
Albany, Wyoming 10 $ 365,000 $ 36,500 $ 32,000
Shelby, Alabama 9 $ 3,417,000 $ 379,666 $ 35,000
Carroll, Arkansas 9 $ 1,213,000 $ 134,777 $ 0
Amador, California 9 $ 2,148,000 $ 238,666 $ 101,000
Logan, Colorado 9 $ 163,000 $ 18,111 $ 42,000
Morgan, Colorado 9 $ 361,000 $ 40,111 $ 43,000
Sarasota, Florida 9 $ 4,031,000 $ 447,888 $ 5,000
Kane, Illinois 9 $ 2,434,000 $ 270,444 $ 13,000
Marion, Indiana 9 $ 1,373,000 $ 152,555 $ 23,000
Madison, Iowa 9 $ 1,248,000 $ 138,666 $ 76,000
Orleans, Louisiana 9 $ 3,844,000 $ 427,111 $ 23,000
Essex, Massachusetts 9 $ 2,577,000 $ 286,333 $ 22,000
Plymouth, Massachusetts 9 $ 2,655,000 $ 295,000 $ 53,000
Worcester, Massachusetts 9 $ 2,008,000 $ 223,111 $ 40,000
Isanti, Minnesota 9 $ 1,404,000 $ 156,000 $ 46,000
Ramsey, Minnesota 9 $ 1,932,000 $ 214,666 $ 33,000
Washington, Minnesota 9 $ 3,174,000 $ 352,666 $ 45,000
Sheridan, Nebraska 9 $ 272,000 $ 30,222 $ 46,000
New York, New York 9 $ 5,746,000 $ 638,444 $ 0
Queens, New York 9 $ 4,059,000 $ 451,000 $ 0
Chester, Pennsylvania 9 $ 3,010,000 $ 334,444 $ 32,000
Dorchester, South Carolina 9 $ 1,197,000 $ 133,000 $ 0
Greenville, South Carolina 9 $ 2,146,000 $ 238,444 $ 12,000
Snohomish, Washington 9 $ 4,172,000 $ 463,555 $ 0
Cochise, Arizona 8 $ 1,164,000 $ 145,500 $ 84,000
Independence, Arkansas 8 $ 858,000 $ 107,250 $ 32,000
Mendocino, California 8 $ 2,544,000 $ 318,000 $ 18,000
Gunnison, Colorado 8 $ 1,779,000 $ 222,375 $ 27,000
Monroe, Florida 8 $ 4,413,000 $ 551,625 $ 0
Volusia, Florida 8 $ 3,043,000 $ 380,375 $ 31,000
Will, Illinois 8 $ 2,499,000 $ 312,375 $ 9,000
Greene, Iowa 8 $ 698,000 $ 87,250 $ 33,000
Kingman, Kansas 8 $ 341,000 $ 42,625 $ 46,000
Charles, Maryland 8 $ 2,558,000 $ 319,750 $ 14,000
Frederick, Maryland 8 $ 2,853,000 $ 356,625 $ 51,000
Genesee, Michigan 8 $ 822,000 $ 102,750 $ 25,000
Fillmore, Minnesota 8 $ 260,000 $ 32,500 $ 32,000
Jackson, Minnesota 8 $ 189,000 $ 23,625 $ 47,000
Sherburne, Minnesota 8 $ 1,552,000 $ 194,000 $ 123,000
Stevens, Minnesota 8 $ 283,000 $ 35,375 $ 39,000
Johnson, Missouri 8 $ 797,000 $ 99,625 $ 34,000
Newton, Missouri 8 $ 803,000 $ 100,375 $ 5,000
Morrill, Nebraska 8 $ 233,000 $ 29,125 $ 46,000
Saline, Nebraska 8 $ 811,000 $ 101,375 $ 42,000
Cibola, New Mexico 8 $ 237,000 $ 29,625 $ 44,000
Griggs, North Dakota 8 $ 252,000 $ 31,500 $ 51,000
Kingfisher, Oklahoma 8 $ 687,000 $ 85,875 $ 34,000
Deschutes, Oregon 8 $ 2,389,000 $ 298,625 $ 58,000
Jefferson, Oregon 8 $ 459,000 $ 57,375 $ 139,000
Weber, Utah 8 $ 1,336,000 $ 167,000 $ 53,000
Converse, Wyoming 8 $ 348,000 $ 43,500 $ 80,000
Niobrara, Wyoming 8 $ 249,000 $ 31,125 $ 37,000
Sutter, California 7 $ 869,000 $ 124,142 $ 60,000
District of Columbia, District Of Columbia 7 $ 3,322,000 $ 474,571 $ 0
Seminole, Florida 7 $ 1,970,000 $ 281,428 $ 0
Washington, Idaho 7 $ 325,000 $ 46,428 $ 26,000
Keokuk, Iowa 7 $ 265,000 $ 37,857 $ 24,000
Monroe, Iowa 7 $ 323,000 $ 46,142 $ 54,000
Washington, Iowa 7 $ 1,016,000 $ 145,142 $ 28,000
Clark, Kansas 7 $ 465,000 $ 66,428 $ 43,000
Montgomery, Kansas 7 $ 439,000 $ 62,714 $ 34,000
Seward, Kansas 7 $ 330,000 $ 47,142 $ 52,000
East Baton Rouge, Louisiana 7 $ 4,284,000 $ 612,000 $ 0
Texas, Missouri 7 $ 824,000 $ 117,714 $ 33,000
Valley, Nebraska 7 $ 497,000 $ 71,000 $ 19,000
Wayne, Nebraska 7 $ 531,000 $ 75,857 $ 34,000
Webster, Nebraska 7 $ 430,000 $ 61,428 $ 28,000
Douglas, Nevada 7 $ 2,509,000 $ 358,428 $ 129,000
Monmouth, New Jersey 7 $ 2,270,000 $ 324,285 $ 59,000
Somerset, New Jersey 7 $ 3,707,000 $ 529,571 $ 0
Kings, New York 7 $ 4,408,000 $ 629,714 $ 0
Delaware, Ohio 7 $ 3,170,000 $ 452,857 $ 62,000
Mayes, Oklahoma 7 $ 771,000 $ 110,142 $ 14,000
McIntosh, Oklahoma 7 $ 581,000 $ 83,000 $ 37,000
Dauphin, Pennsylvania 7 $ 1,537,000 $ 219,571 $ 0
Clay, South Dakota 7 $ 427,000 $ 61,000 $ 72,000
Lincoln, South Dakota 7 $ 911,000 $ 130,142 $ 30,000
Grant, Washington 7 $ 703,000 $ 100,428 $ 36,000
Sawyer, Wisconsin 7 $ 423,000 $ 60,428 $ 52,000
Teton, Wyoming 7 $ 2,449,000 $ 349,857 $ 156,000
New Haven, Connecticut 6 $ 2,110,000 $ 351,666 $ 15,000
Okaloosa, Florida 6 $ 2,896,000 $ 482,666 $ 0
Hall, Georgia 6 $ 1,342,000 $ 223,666 $ 0
Henry, Georgia 6 $ 1,035,000 $ 172,500 $ 0
Jackson, Georgia 6 $ 1,387,000 $ 231,166 $ 22,000
Cerro Gordo, Iowa 6 $ 916,000 $ 152,666 $ 75,000
Hamilton, Iowa 6 $ 462,000 $ 77,000 $ 51,000
Iowa, Iowa 6 $ 658,000 $ 109,666 $ 42,000
Marion, Iowa 6 $ 429,000 $ 71,500 $ 31,000
Haskell, Kansas 6 $ 473,000 $ 78,833 $ 35,000
Shawnee, Kansas 6 $ 982,000 $ 163,666 $ 48,000
Baltimore City, Maryland 6 $ 882,000 $ 147,000 $ 18,000
Calvert, Maryland 6 $ 3,110,000 $ 518,333 $ 0
Norfolk, Massachusetts 6 $ 1,874,000 $ 312,333 $ 43,000
Suffolk, Massachusetts 6 $ 1,203,000 $ 200,500 $ 44,000
Becker, Minnesota 6 $ 517,000 $ 86,166 $ 59,000
Olmsted, Minnesota 6 $ 1,647,000 $ 274,500 $ 15,000
Camden, Missouri 6 $ 946,000 $ 157,666 $ 70,000
Jasper, Missouri 6 $ 529,000 $ 88,166 $ 22,000
Boone, Nebraska 6 $ 397,000 $ 66,166 $ 34,000
Fillmore, Nebraska 6 $ 285,000 $ 47,500 $ 26,000
Hamilton, Nebraska 6 $ 386,000 $ 64,333 $ 27,000
Howard, Nebraska 6 $ 464,000 $ 77,333 $ 33,000
Nemaha, Nebraska 6 $ 462,000 $ 77,000 $ 32,000
Red Willow, Nebraska 6 $ 352,000 $ 58,666 $ 22,000
Lyon, Nevada 6 $ 219,000 $ 36,500 $ 40,000
Middlesex, New Jersey 6 $ 2,663,000 $ 443,833 $ 0
Morris, New Jersey 6 $ 2,924,000 $ 487,333 $ 0
Montgomery, Ohio 6 $ 1,492,000 $ 248,666 $ 0
Warren, Ohio 6 $ 2,192,000 $ 365,333 $ 15,000
Grant, Oklahoma 6 $ 327,000 $ 54,500 $ 36,000
Hughes, Oklahoma 6 $ 547,000 $ 91,166 $ 31,000
York, South Carolina 6 $ 1,441,000 $ 240,166 $ 21,000
Knox, Tennessee 6 $ 2,022,000 $ 337,000 $ 0
Williamson, Tennessee 6 $ 2,825,000 $ 470,833 $ 45,000
Fauquier, Virginia 6 $ 2,778,000 $ 463,000 $ 0
Crook, Wyoming 6 $ 185,000 $ 30,833 $ 62,000
Sublette, Wyoming 6 $ 197,000 $ 32,833 $ 53,000
San Benito, California 5 $ 473,000 $ 94,600 $ 72,000
Clear Creek, Colorado 5 $ 925,000 $ 185,000 $ 43,000
Eagle, Colorado 5 $ 1,126,000 $ 225,200 $ 108,000
Indian River, Florida 5 $ 1,406,000 $ 281,200 $ 0
Walton, Florida 5 $ 2,718,000 $ 543,600 $ 53,000
Clarke, Georgia 5 $ 688,000 $ 137,600 $ 0
Paulding, Georgia 5 $ 1,025,000 $ 205,000 $ 31,000
Coles, Illinois 5 $ 502,000 $ 100,400 $ 45,000
Kendall, Illinois 5 $ 1,313,000 $ 262,600 $ 0
Rock Island, Illinois 5 $ 613,000 $ 122,600 $ 37,000
Hamilton, Indiana 5 $ 1,809,000 $ 361,800 $ 19,000
Clarke, Iowa 5 $ 543,000 $ 108,600 $ 46,000
Hardin, Iowa 5 $ 255,000 $ 51,000 $ 41,000
Howard, Iowa 5 $ 88,000 $ 17,600 $ 35,000
Jasper, Iowa 5 $ 632,000 $ 126,400 $ 28,000
Pocahontas, Iowa 5 $ 334,000 $ 66,800 $ 35,000
Union, Iowa 5 $ 386,000 $ 77,200 $ 25,000
Greenwood, Kansas 5 $ 327,000 $ 65,400 $ 38,000
Hodgeman, Kansas 5 $ 340,000 $ 68,000 $ 16,000
Meade, Kansas 5 $ 333,000 $ 66,600 $ 50,000
Pottawatomie, Kansas 5 $ 540,000 $ 108,000 $ 34,000
Pratt, Kansas 5 $ 60,000 $ 12,000 $ 45,000
Rice, Kansas 5 $ 199,000 $ 39,800 $ 29,000
Carroll, Maryland 5 $ 2,298,000 $ 459,600 $ 38,000
Clinton, Michigan 5 $ 1,789,000 $ 357,800 $ 20,000
Kandiyohi, Minnesota 5 $ 218,000 $ 43,600 $ 56,000
Meeker, Minnesota 5 $ 448,000 $ 89,600 $ 35,000
Norman, Minnesota 5 $ 138,000 $ 27,600 $ 42,000
Yellowstone, Montana 5 $ 1,677,000 $ 335,400 $ 40,000
Burt, Nebraska 5 $ 145,000 $ 29,000 $ 12,000
Knox, Nebraska 5 $ 308,000 $ 61,600 $ 35,000
Merrick, Nebraska 5 $ 289,000 $ 57,800 $ 8,000
Hillsborough, New Hampshire 5 $ 1,683,000 $ 336,600 $ 48,000
Rockingham, New Hampshire 5 $ 1,494,000 $ 298,800 $ 116,000
Gloucester, New Jersey 5 $ 1,023,000 $ 204,600 $ 34,000
Torrance, New Mexico 5 $ 219,000 $ 43,800 $ 49,000
Durham, North Carolina 5 $ 1,038,000 $ 207,600 $ 0
Stark, North Dakota 5 $ 105,000 $ 21,000 $ 107,000
Fairfield, Ohio 5 $ 1,063,000 $ 212,600 $ 17,000
Stark, Ohio 5 $ 1,015,000 $ 203,000 $ 5,000
Creek, Oklahoma 5 $ 309,000 $ 61,800 $ 95,000
Noble, Oklahoma 5 $ 318,000 $ 63,600 $ 20,000
Stephens, Oklahoma 5 $ 530,000 $ 106,000 $ 25,000
Jackson, Oregon 5 $ 1,506,000 $ 301,200 $ 27,000
Lane, Oregon 5 $ 1,224,000 $ 244,800 $ 43,000
Philadelphia, Pennsylvania 5 $ 1,017,000 $ 203,400 $ 0
Washington, Rhode Island 5 $ 1,955,000 $ 391,000 $ 36,000
Davidson, Tennessee 5 $ 812,000 $ 162,400 $ 59,000
Brazoria, Texas 5 $ 1,029,000 $ 205,800 $ 17,000
Grayson, Texas 5 $ 1,440,000 $ 288,000 $ 0
McLennan, Texas 5 $ 342,000 $ 68,400 $ 0
Utah, Utah 5 $ 2,250,000 $ 450,000 $ 22,000
Wasatch, Utah 5 $ 566,000 $ 113,200 $ 38,000
Burnett, Wisconsin 5 $ 249,000 $ 49,800 $ 73,000
Mobile, Alabama 4 $ 3,230,000 $ 807,500 $ 0
Santa Cruz, Arizona 4 $ 1,421,000 $ 355,250 $ 192,000
Shasta, California 4 $ 1,376,000 $ 344,000 $ 36,000
Archuleta, Colorado 4 $ 882,000 $ 220,500 $ 24,000
Pitkin, Colorado 4 $ 1,078,000 $ 269,500 $ 153,000
Hartford, Connecticut 4 $ 1,735,000 $ 433,750 $ 50,000
Litchfield, Connecticut 4 $ 1,662,000 $ 415,500 $ 25,000
Sussex, Delaware 4 $ 2,420,000 $ 605,000 $ 0
Martin, Florida 4 $ 1,408,000 $ 352,000 $ 40,000
Douglas, Georgia 4 $ 742,000 $ 185,500 $ 0
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Mortgage Loan Application Detail Totals for Bank of the West in 2005

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 12,280 $2,459,804,000 $279,204 $11,000,000 $37,306 $2,544,000
Home Purchase 11,897 $1,892,244,000 $256,840 $4,560,000 $34,800 $1,854,000
Home Improvement 3,815 $219,260,000 $111,448 $950,000 $51,862 $872,000

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 13,356 $1,363,825,000 $135,936 $3,560,000 $76,319 $2,544,000
Not applicable 8,911 $2,655,373,000 $315,469 $11,000,000 $61 $600,000
Hispanic 2,280 $197,539,000 $112,607 $2,000,000 $55,964 $962,000
Not Provided 2,163 $196,414,000 $92,757 $2,200,000 $69,818 $1,491,000
Asian 560 $80,284,000 $151,916 $1,854,000 $83,791 $707,000
Black or African American 530 $60,518,000 $139,192 $600,000 $60,692 $300,000
American Indian or Alaskan Native 115 $9,069,000 $71,500 $565,000 $51,875 $267,000
Native Hawaiian or Other Pacific Islander 77 $8,286,000 $113,461 $281,000 $53,307 $220,000

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) 25,332 $4,285,243,000 $262,720 $11,000,000 $37,580 $2,544,000
FHA-insured (Federal Housing Administration) 1,753 $185,057,000 $136,687 $456,000 $22,437 $586,000
VA-guaranteed (Veterans Administration) 597 $78,530,000 $155,619 $321,000 $37,952 $250,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 310 $22,478,000 $79,090 $178,000 $29,636 $104,000

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 11,685 $1,262,562,000 $139,477 $11,000,000 $80,954 $2,544,000
Loan Purchased By The Institution 8,831 $2,619,442,000 $315,020 $1,007,000 $0 $0
Application Denied By Financial Institution 4,068 $327,243,000 $107,317 $1,400,000 $61,634 $1,491,000
Preapproval Denied by Financial Institution 1,756 $159,912,000 $91,000 $900,000 $40,000 $360,000
Application Approved But Not Accepted 827 $103,339,000 $124,827 $1,000,000 $64,724 $620,000
Application Withdrawn By Applicant 808 $95,865,000 $156,073 $1,365,000 $71,731 $1,400,000
File Closed For Incompleteness 17 $2,945,000 $167,000 $744,000 $104,666 $449,000
Preapproval Approved but not Accepted 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 2,897 $210,933,000 $97,187 $1,400,000 $54,718 $665,000
Debt-To-Income Ratio 1,817 $174,829,000 $116,823 $880,000 $45,970 $312,000
Other 541 $55,030,000 $122,933 $1,250,000 $65,533 $1,491,000
Collateral 364 $29,515,000 $89,230 $560,000 $71,500 $651,000
Employment History 94 $5,959,000 $74,533 $360,000 $46,133 $380,000
Credit Application Incomplete 74 $6,949,000 $65,923 $600,000 $55,461 $340,000
Unverifiable Information 20 $2,459,000 $125,900 $384,000 $66,700 $517,000
Insufficient Cash (Downpayment, Closing Cost) 17 $1,481,000 $105,250 $194,000 $48,750 $84,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2005 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.
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