Bank Of The West
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

Bank Of The West 2005 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

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 $232,460
Highest Mortgage Loan Application Amount $11,000,000
Average Applicant Income $39,625
Highest Applicant Income $2,544,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 with Bank Of The West. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of The West's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2005 breaks down Bank Of The West's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of The West serves its applicants.

Each category highlights the total number of mortgage applications processed by Bank Of The West, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of The West's mortgage activity for 2005.

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