Bank of the West Mortgage Lending & HMDA Data, 2007

In 2007, Bank of the West of Monterey Park, CA reported 29,862 mortgage applications totaling $4.3 billion, up 16% from 2006. The average application was for $142,983, and applicants reported an average income of $83,161. 49% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,872), Denver-Aurora, CO (1,732) and Wichita, KS (1,614) (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 29,862
Total Mortgage Loan Application Amount $4,269,780,000
Average Mortgage Loan Application Amount $142,983
Highest Mortgage Loan Application Amount $11,550,000
Average Applicant Income $83,161
Highest Applicant Income $4,999,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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

Mortgage Loan Application Totals for Bank of the West by County in 2007

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 1,264 $ 325,674,000 $ 257,653 $ 126,000
Douglas, Nebraska 1,250 $ 91,450,000 $ 73,160 $ 67,000
Sedgwick, Kansas 1,237 $ 87,152,000 $ 70,454 $ 72,000
Bernalillo, New Mexico 796 $ 77,540,000 $ 97,412 $ 70,000
Polk, Iowa 620 $ 35,144,000 $ 56,683 $ 72,000
Santa Clara, California 543 $ 132,590,000 $ 244,180 $ 115,000
Orange, California 525 $ 144,356,000 $ 274,963 $ 132,000
Alameda, California 514 $ 134,221,000 $ 261,130 $ 123,000
San Joaquin, California 482 $ 71,856,000 $ 149,078 $ 90,000
Stanislaus, California 450 $ 66,026,000 $ 146,724 $ 87,000
Jefferson, Colorado 440 $ 55,991,000 $ 127,252 $ 96,000
Contra Costa, California 368 $ 107,603,000 $ 292,399 $ 106,000
Garfield, Oklahoma 368 $ 21,972,000 $ 59,706 $ 55,000
Denver, Colorado 349 $ 53,867,000 $ 154,346 $ 89,000
Jackson, Missouri 343 $ 33,426,000 $ 97,451 $ 84,000
Sarpy, Nebraska 333 $ 27,575,000 $ 82,807 $ 74,000
Adams, Colorado 326 $ 30,133,000 $ 92,432 $ 76,000
Arapahoe, Colorado 322 $ 43,119,000 $ 133,909 $ 93,000
Lancaster, Nebraska 319 $ 22,620,000 $ 70,909 $ 82,000
Maricopa, Arizona 290 $ 71,640,000 $ 247,034 $ 104,000
Multnomah, Oregon 276 $ 50,412,000 $ 182,652 $ 81,000
Sacramento, California 273 $ 51,122,000 $ 187,260 $ 76,000
Fresno, California 272 $ 36,098,000 $ 132,713 $ 85,000
Oklahoma, Oklahoma 266 $ 17,856,000 $ 67,127 $ 77,000
Dona Ana, New Mexico 253 $ 23,618,000 $ 93,351 $ 62,000
San Diego, California 237 $ 74,497,000 $ 314,333 $ 103,000
San Bernardino, California 235 $ 40,880,000 $ 173,957 $ 79,000
Pima, Arizona 233 $ 40,803,000 $ 175,120 $ 109,000
Butler, Kansas 230 $ 17,233,000 $ 74,926 $ 72,000
Sweetwater, Wyoming 224 $ 26,028,000 $ 116,196 $ 71,000
Finney, Kansas 218 $ 17,676,000 $ 81,082 $ 49,000
Linn, Iowa 212 $ 12,153,000 $ 57,325 $ 71,000
Clark, Nevada 179 $ 58,307,000 $ 325,737 $ 180,000
Washington, Oregon 176 $ 31,692,000 $ 180,068 $ 101,000
Ford, Kansas 165 $ 12,717,000 $ 77,072 $ 58,000
Salt Lake, Utah 162 $ 24,354,000 $ 150,333 $ 83,000
Johnson, Kansas 158 $ 11,695,000 $ 74,018 $ 97,000
Boone, Iowa 156 $ 8,367,000 $ 53,634 $ 64,000
Douglas, Colorado 153 $ 29,382,000 $ 192,039 $ 121,000
Solano, California 152 $ 28,382,000 $ 186,723 $ 91,000
Pinal, Arizona 147 $ 14,380,000 $ 97,823 $ 66,000
Larimer, Colorado 145 $ 19,589,000 $ 135,096 $ 89,000
Kern, California 144 $ 20,692,000 $ 143,694 $ 94,000
Weld, Colorado 143 $ 13,583,000 $ 94,986 $ 86,000
Boulder, Colorado 142 $ 25,625,000 $ 180,457 $ 102,000
Butte, California 138 $ 14,002,000 $ 101,463 $ 66,000
Mesa, Colorado 138 $ 15,457,000 $ 112,007 $ 77,000
Pottawattamie, Iowa 138 $ 8,657,000 $ 62,731 $ 67,000
San Francisco, California 134 $ 52,563,000 $ 392,261 $ 124,000
Tulare, California 133 $ 16,157,000 $ 121,481 $ 77,000
San Mateo, California 131 $ 45,110,000 $ 344,351 $ 174,000
Sonoma, California 130 $ 26,072,000 $ 200,553 $ 103,000
Lincoln, Nebraska 126 $ 7,102,000 $ 56,365 $ 66,000
Sandoval, New Mexico 122 $ 11,745,000 $ 96,270 $ 73,000
Clackamas, Oregon 120 $ 21,123,000 $ 176,025 $ 106,000
Lyon, Minnesota 119 $ 9,266,000 $ 77,865 $ 58,000
Harvey, Kansas 117 $ 6,197,000 $ 52,965 $ 54,000
Cass, North Dakota 112 $ 10,994,000 $ 98,160 $ 65,000
Ventura, California 108 $ 27,714,000 $ 256,611 $ 97,000
Warren, Iowa 107 $ 5,865,000 $ 54,813 $ 86,000
Franklin, Kansas 105 $ 6,269,000 $ 59,704 $ 69,000
Kay, Oklahoma 102 $ 4,576,000 $ 44,862 $ 56,000
Riverside, California 98 $ 29,766,000 $ 303,734 $ 171,000
Laramie, Wyoming 97 $ 8,710,000 $ 89,793 $ 57,000
Johnson, Iowa 94 $ 7,754,000 $ 82,489 $ 73,000
Valencia, New Mexico 94 $ 7,876,000 $ 83,787 $ 63,000
Moffat, Colorado 91 $ 13,578,000 $ 149,208 $ 65,000
Washakie, Wyoming 91 $ 7,261,000 $ 79,791 $ 52,000
Montrose, Colorado 89 $ 9,726,000 $ 109,280 $ 90,000
Tulsa, Oklahoma 89 $ 6,003,000 $ 67,449 $ 71,000
Natrona, Wyoming 89 $ 11,138,000 $ 125,146 $ 68,000
Washburn, Wisconsin 86 $ 7,458,000 $ 86,720 $ 77,000
Reno, Kansas 85 $ 5,467,000 $ 64,317 $ 65,000
Navajo, Arizona 84 $ 5,328,000 $ 63,428 $ 88,000
Carbon, Wyoming 84 $ 7,833,000 $ 93,250 $ 66,000
Ada, Idaho 83 $ 15,842,000 $ 190,867 $ 104,000
Canyon, Idaho 83 $ 9,572,000 $ 115,325 $ 48,000
Anoka, Minnesota 83 $ 11,378,000 $ 137,084 $ 93,000
Dallas, Iowa 81 $ 6,440,000 $ 79,506 $ 91,000
Clay, Missouri 80 $ 4,386,000 $ 54,825 $ 81,000
Placer, California 78 $ 20,941,000 $ 268,474 $ 188,000
Lincoln, Oregon 76 $ 9,319,000 $ 122,618 $ 78,000
Cowley, Kansas 73 $ 3,599,000 $ 49,301 $ 58,000
Otter Tail, Minnesota 72 $ 7,623,000 $ 105,875 $ 82,000
Campbell, Wyoming 71 $ 8,076,000 $ 113,746 $ 77,000
Kings, California 70 $ 6,939,000 $ 99,128 $ 88,000
Carroll, Iowa 69 $ 3,260,000 $ 47,246 $ 60,000
Winneshiek, Iowa 69 $ 8,771,000 $ 127,115 $ 60,000
Lincoln, Wyoming 69 $ 7,888,000 $ 114,318 $ 71,000
Washington, Oklahoma 68 $ 3,165,000 $ 46,544 $ 66,000
Park, Wyoming 68 $ 6,386,000 $ 93,911 $ 62,000
Lake, California 67 $ 6,133,000 $ 91,537 $ 74,000
Monterey, California 66 $ 16,464,000 $ 249,454 $ 69,000
Summit, Colorado 65 $ 24,824,000 $ 381,907 $ 169,000
Cleveland, Oklahoma 65 $ 4,588,000 $ 70,584 $ 90,000
Benton, Washington 63 $ 6,586,000 $ 104,539 $ 79,000
Yolo, California 62 $ 7,782,000 $ 125,516 $ 85,000
Story, Iowa 60 $ 4,069,000 $ 67,816 $ 68,000
Gila, Arizona 59 $ 2,058,000 $ 34,881 $ 56,000
Pontotoc, Oklahoma 58 $ 2,863,000 $ 49,362 $ 49,000
Seminole, Oklahoma 58 $ 2,688,000 $ 46,344 $ 53,000
Napa, California 57 $ 8,354,000 $ 146,561 $ 84,000
Cass, Missouri 57 $ 5,653,000 $ 99,175 $ 101,000
Buffalo, Nebraska 57 $ 3,137,000 $ 55,035 $ 68,000
Washoe, Nevada 57 $ 12,790,000 $ 224,385 $ 120,000
Fremont, Wyoming 57 $ 5,479,000 $ 96,122 $ 62,000
Gunnison, Colorado 54 $ 13,142,000 $ 243,370 $ 109,000
Houston, Minnesota 54 $ 4,745,000 $ 87,870 $ 54,000
Nevada, California 53 $ 11,469,000 $ 216,396 $ 115,000
Wapello, Iowa 53 $ 2,107,000 $ 39,754 $ 47,000
Delta, Colorado 51 $ 6,584,000 $ 129,098 $ 76,000
Harrison, Iowa 51 $ 3,050,000 $ 59,803 $ 68,000
Decatur, Iowa 50 $ 1,776,000 $ 35,520 $ 56,000
Nobles, Minnesota 48 $ 2,294,000 $ 47,791 $ 46,000
Richland, North Dakota 48 $ 3,091,000 $ 64,395 $ 51,000
Santa Cruz, California 47 $ 13,886,000 $ 295,446 $ 118,000
Payne, Oklahoma 46 $ 2,905,000 $ 63,152 $ 46,000
Hall, Nebraska 45 $ 2,437,000 $ 54,155 $ 64,000
Canadian, Oklahoma 45 $ 3,156,000 $ 70,133 $ 89,000
Carter, Oklahoma 45 $ 2,344,000 $ 52,088 $ 58,000
King, Washington 44 $ 27,130,000 $ 616,590 $ 80,000
Platte, Wyoming 44 $ 3,895,000 $ 88,522 $ 65,000
Clay, Minnesota 43 $ 3,719,000 $ 86,488 $ 49,000
Apache, Arizona 42 $ 3,079,000 $ 73,309 $ 62,000
Elbert, Colorado 42 $ 5,061,000 $ 120,500 $ 85,000
Scott, Iowa 42 $ 1,889,000 $ 44,976 $ 59,000
Sheridan, Wyoming 42 $ 5,201,000 $ 123,833 $ 93,000
Grand, Colorado 41 $ 8,790,000 $ 214,390 $ 145,000
Park, Colorado 41 $ 4,899,000 $ 119,487 $ 104,000
Barton, Kansas 41 $ 1,160,000 $ 28,292 $ 46,000
Dawes, Nebraska 41 $ 2,075,000 $ 50,609 $ 62,000
Marion, Oregon 41 $ 4,182,000 $ 102,000 $ 58,000
Chaffee, Colorado 40 $ 4,794,000 $ 119,850 $ 79,000
Converse, Wyoming 40 $ 4,123,000 $ 103,075 $ 80,000
El Dorado, California 39 $ 9,680,000 $ 248,205 $ 113,000
Woodbury, Iowa 39 $ 1,674,000 $ 42,923 $ 55,000
Gage, Nebraska 39 $ 1,418,000 $ 36,358 $ 47,000
Platte, Nebraska 39 $ 2,353,000 $ 60,333 $ 64,000
Washington, Nebraska 39 $ 4,148,000 $ 106,358 $ 86,000
Santa Barbara, California 38 $ 12,021,000 $ 316,342 $ 125,000
Broomfield, Colorado 38 $ 7,633,000 $ 200,868 $ 152,000
Merced, California 36 $ 7,490,000 $ 208,055 $ 190,000
Dodge, Nebraska 36 $ 1,772,000 $ 49,222 $ 53,000
Monmouth, New Jersey 36 $ 18,017,000 $ 500,472 $ 10,000
Routt, Colorado 35 $ 7,979,000 $ 227,971 $ 103,000
Shelby, Iowa 35 $ 2,373,000 $ 67,800 $ 50,000
Madison, Nebraska 35 $ 1,800,000 $ 51,428 $ 65,000
Franklin, Washington 35 $ 3,026,000 $ 86,457 $ 58,000
Coconino, Arizona 34 $ 3,868,000 $ 113,764 $ 75,000
Marin, California 34 $ 17,064,000 $ 501,882 $ 168,000
Stearns, Minnesota 34 $ 3,673,000 $ 108,029 $ 70,000
Cass, Nebraska 34 $ 3,556,000 $ 104,588 $ 63,000
Marshall, Iowa 33 $ 1,248,000 $ 37,818 $ 60,000
Douglas, Kansas 33 $ 3,862,000 $ 117,030 $ 88,000
Dakota, Minnesota 33 $ 4,071,000 $ 123,363 $ 94,000
Platte, Missouri 33 $ 2,175,000 $ 65,909 $ 107,000
Box Butte, Nebraska 32 $ 2,577,000 $ 80,531 $ 55,000
Uinta, Wyoming 32 $ 2,792,000 $ 87,250 $ 60,000
Pawnee, Kansas 31 $ 1,448,000 $ 46,709 $ 58,000
Essex, New Jersey 31 $ 17,993,000 $ 580,419 $ 6,000
Davis, Utah 31 $ 9,988,000 $ 322,193 $ 110,000
Yakima, Washington 31 $ 2,567,000 $ 82,806 $ 56,000
Albany, Wyoming 31 $ 2,834,000 $ 91,419 $ 67,000
Yavapai, Arizona 30 $ 3,089,000 $ 102,966 $ 59,000
Sumner, Kansas 30 $ 1,870,000 $ 62,333 $ 65,000
Morris, New Jersey 30 $ 16,570,000 $ 552,333 $ 0
Umatilla, Oregon 30 $ 2,691,000 $ 89,700 $ 56,000
Stark, North Dakota 29 $ 1,979,000 $ 68,241 $ 70,000
Las Animas, Colorado 28 $ 1,339,000 $ 47,821 $ 45,000
Mitchell, Kansas 28 $ 2,499,000 $ 89,250 $ 51,000
Wyandotte, Kansas 28 $ 1,228,000 $ 43,857 $ 69,000
Cottonwood, Minnesota 28 $ 1,407,000 $ 50,250 $ 44,000
Niobrara, Wyoming 28 $ 2,041,000 $ 72,892 $ 61,000
Sublette, Wyoming 28 $ 3,226,000 $ 115,214 $ 79,000
Logan, Colorado 27 $ 1,930,000 $ 71,481 $ 72,000
Jones, Iowa 27 $ 1,242,000 $ 46,000 $ 75,000
Stevens, Minnesota 27 $ 2,199,000 $ 81,444 $ 59,000
Hennepin, Minnesota 25 $ 6,966,000 $ 278,640 $ 130,000
El Paso, Colorado 24 $ 4,788,000 $ 199,500 $ 91,000
Marion, Kansas 24 $ 1,566,000 $ 65,250 $ 56,000
Lincoln, Minnesota 24 $ 883,000 $ 36,791 $ 53,000
Morrison, Minnesota 24 $ 1,825,000 $ 76,041 $ 55,000
Somerset, New Jersey 24 $ 12,118,000 $ 504,916 $ 0
Columbia, Oregon 23 $ 2,495,000 $ 108,478 $ 61,000
Goshen, Wyoming 23 $ 1,292,000 $ 56,173 $ 48,000
Bergen, New Jersey 22 $ 11,864,000 $ 539,272 $ 0
Osage, Oklahoma 22 $ 1,188,000 $ 54,000 $ 61,000
Clark, Washington 22 $ 6,683,000 $ 303,772 $ 75,000
Calaveras, California 21 $ 2,931,000 $ 139,571 $ 103,000
Morgan, Colorado 21 $ 2,492,000 $ 118,666 $ 63,000
Malheur, Oregon 21 $ 3,447,000 $ 164,142 $ 92,000
Wasco, Oregon 21 $ 1,831,000 $ 87,190 $ 71,000
Tuolumne, California 20 $ 2,933,000 $ 146,650 $ 102,000
Edwards, Kansas 20 $ 688,000 $ 34,400 $ 56,000
Gray, Kansas 20 $ 2,105,000 $ 105,250 $ 58,000
Swift, Minnesota 20 $ 1,466,000 $ 73,300 $ 40,000
Wilkin, Minnesota 20 $ 891,000 $ 44,550 $ 71,000
Carson City, Nevada 20 $ 2,951,000 $ 147,550 $ 118,000
Davis, Iowa 19 $ 1,035,000 $ 54,473 $ 70,000
Sheridan, Nebraska 19 $ 894,000 $ 47,052 $ 45,000
Major, Oklahoma 19 $ 1,436,000 $ 75,578 $ 73,000
Kittitas, Washington 19 $ 2,162,000 $ 113,789 $ 61,000
Saunders, Nebraska 18 $ 2,036,000 $ 113,111 $ 65,000
Clay, South Dakota 18 $ 1,654,000 $ 91,888 $ 92,000
Utah, Utah 18 $ 6,249,000 $ 347,166 $ 204,000
Pueblo, Colorado 17 $ 871,000 $ 51,235 $ 59,000
Madison, Iowa 17 $ 1,553,000 $ 91,352 $ 69,000
Harper, Kansas 17 $ 605,000 $ 35,588 $ 48,000
Amador, California 16 $ 2,202,000 $ 137,625 $ 73,000
Blaine, Idaho 16 $ 9,452,000 $ 590,750 $ 421,000
Cook, Illinois 16 $ 10,548,000 $ 659,250 $ 170,000
Traverse, Minnesota 16 $ 1,088,000 $ 68,000 $ 47,000
Santa Fe, New Mexico 16 $ 4,609,000 $ 288,062 $ 76,000
Spink, South Dakota 16 $ 973,000 $ 60,812 $ 58,000
Clear Creek, Colorado 15 $ 2,655,000 $ 177,000 $ 65,000
Fillmore, Minnesota 15 $ 1,160,000 $ 77,333 $ 39,000
Grant, Minnesota 15 $ 1,691,000 $ 112,733 $ 102,000
Pulaski, Missouri 15 $ 489,000 $ 32,600 $ 71,000
Dakota, Nebraska 15 $ 649,000 $ 43,266 $ 72,000
Middlesex, New Jersey 15 $ 7,658,000 $ 510,533 $ 13,000
Beadle, South Dakota 15 $ 1,120,000 $ 74,666 $ 38,000
Fall River, South Dakota 15 $ 1,334,000 $ 88,933 $ 58,000
Fairfax, Virginia 15 $ 8,151,000 $ 543,400 $ 173,000
Mahaska, Iowa 14 $ 559,000 $ 39,928 $ 69,000
Montgomery, Maryland 14 $ 8,711,000 $ 622,214 $ 229,000
Cherry, Nebraska 14 $ 495,000 $ 35,357 $ 49,000
Union, New Jersey 14 $ 7,284,000 $ 520,285 $ 29,000
Kingfisher, Oklahoma 14 $ 804,000 $ 57,428 $ 78,000
Pottawatomie, Oklahoma 14 $ 621,000 $ 44,357 $ 53,000
Woods, Oklahoma 14 $ 811,000 $ 57,928 $ 63,000
El Paso, Texas 14 $ 1,204,000 $ 86,000 $ 90,000
Anderson, Kansas 13 $ 720,000 $ 55,384 $ 66,000
Carver, Minnesota 13 $ 2,947,000 $ 226,692 $ 84,000
Ramsey, Minnesota 13 $ 3,076,000 $ 236,615 $ 122,000
Morrill, Nebraska 13 $ 802,000 $ 61,692 $ 52,000
Perkins, South Dakota 13 $ 512,000 $ 39,384 $ 62,000
Wasatch, Utah 13 $ 5,269,000 $ 405,307 $ 154,000
Douglas, Wisconsin 13 $ 829,000 $ 63,769 $ 75,000
Crook, Wyoming 13 $ 1,722,000 $ 132,461 $ 67,000
Mohave, Arizona 12 $ 2,345,000 $ 195,416 $ 179,000
Miami-Dade, Florida 12 $ 7,264,000 $ 605,333 $ 111,000
Fulton, Georgia 12 $ 8,371,000 $ 697,583 $ 172,000
Marion, Iowa 12 $ 1,071,000 $ 89,250 $ 76,000
Barber, Kansas 12 $ 460,000 $ 38,333 $ 56,000
Leavenworth, Kansas 12 $ 579,000 $ 48,250 $ 82,000
Yellow Medicine, Minnesota 12 $ 708,000 $ 59,000 $ 63,000
Scotts Bluff, Nebraska 12 $ 673,000 $ 56,083 $ 51,000
McClain, Oklahoma 12 $ 490,000 $ 40,833 $ 58,000
Sawyer, Wisconsin 12 $ 1,854,000 $ 154,500 $ 89,000
San Luis Obispo, California 11 $ 4,900,000 $ 445,454 $ 155,000
Kit Carson, Colorado 11 $ 471,000 $ 42,818 $ 51,000
Iowa, Iowa 11 $ 563,000 $ 51,181 $ 69,000
Shawnee, Kansas 11 $ 879,000 $ 79,909 $ 67,000
Dallas, Texas 11 $ 4,645,000 $ 422,272 $ 186,000
Weber, Utah 11 $ 1,944,000 $ 176,727 $ 98,000
Pierce, Washington 11 $ 5,243,000 $ 476,636 $ 178,000
Burnett, Wisconsin 11 $ 1,331,000 $ 121,000 $ 167,000
Big Horn, Wyoming 11 $ 1,062,000 $ 96,545 $ 60,000
Madera, California 10 $ 2,427,000 $ 242,700 $ 85,000
Sutter, California 10 $ 1,532,000 $ 153,200 $ 79,000
Eagle, Colorado 10 $ 3,688,000 $ 368,800 $ 210,000
Washington, Idaho 10 $ 486,000 $ 48,600 $ 36,000
Hardin, Iowa 10 $ 299,000 $ 29,900 $ 67,000
Howard, Iowa 10 $ 551,000 $ 55,100 $ 46,000
Rice, Kansas 10 $ 258,000 $ 25,800 $ 43,000
Douglas, Nevada 10 $ 1,056,000 $ 105,600 $ 108,000
Torrance, New Mexico 10 $ 769,000 $ 76,900 $ 51,000
Creek, Oklahoma 10 $ 624,000 $ 62,400 $ 57,000
Bucks, Pennsylvania 10 $ 4,904,000 $ 490,400 $ 17,000
Summit, Utah 10 $ 9,714,000 $ 971,400 $ 300,000
Teton, Wyoming 10 $ 1,330,000 $ 133,000 $ 69,000
San Benito, California 9 $ 1,379,000 $ 153,222 $ 89,000
District of Columbia, District Of Columbia 9 $ 6,708,000 $ 745,333 $ 216,000
Palm Beach, Florida 9 $ 5,838,000 $ 648,666 $ 67,000
Mills, Iowa 9 $ 481,000 $ 53,444 $ 101,000
Dawson, Nebraska 9 $ 447,000 $ 49,666 $ 88,000
Seward, Nebraska 9 $ 777,000 $ 86,333 $ 50,000
Lyon, Nevada 9 $ 1,123,000 $ 124,777 $ 75,000
Griggs, North Dakota 9 $ 427,000 $ 47,444 $ 48,000
Charles Mix, South Dakota 9 $ 674,000 $ 74,888 $ 56,000
Washington, Utah 9 $ 2,320,000 $ 257,777 $ 472,000
Shasta, California 8 $ 2,551,000 $ 318,875 $ 73,000
Fremont, Colorado 8 $ 1,026,000 $ 128,250 $ 69,000
Guthrie, Iowa 8 $ 666,000 $ 83,250 $ 66,000
Kingman, Kansas 8 $ 387,000 $ 48,375 $ 62,000
Anne Arundel, Maryland 8 $ 5,449,000 $ 681,125 $ 118,000
Adams, Nebraska 8 $ 514,000 $ 64,250 $ 76,000
Garvin, Oklahoma 8 $ 490,000 $ 61,250 $ 61,000
Jefferson, Oregon 8 $ 457,000 $ 57,125 $ 47,000
Yamhill, Oregon 8 $ 1,132,000 $ 141,500 $ 52,000
Potter, South Dakota 8 $ 347,000 $ 43,375 $ 50,000
Harris, Texas 8 $ 5,609,000 $ 701,125 $ 98,000
Snohomish, Washington 8 $ 4,181,000 $ 522,625 $ 80,000
Payette, Idaho 7 $ 449,000 $ 64,142 $ 80,000
Allamakee, Iowa 7 $ 1,204,000 $ 172,000 $ 65,000
Benton, Iowa 7 $ 340,000 $ 48,571 $ 83,000
Jasper, Iowa 7 $ 419,000 $ 59,857 $ 110,000
Page, Iowa 7 $ 206,000 $ 29,428 $ 92,000
Becker, Minnesota 7 $ 1,349,000 $ 192,714 $ 186,000
Camden, Missouri 7 $ 2,983,000 $ 426,142 $ 575,000
Butler, Nebraska 7 $ 344,000 $ 49,142 $ 28,000
Cape May, New Jersey 7 $ 3,921,000 $ 560,142 $ 50,000
Otero, New Mexico 7 $ 503,000 $ 71,857 $ 46,000
Alfalfa, Oklahoma 7 $ 277,000 $ 39,571 $ 87,000
Grant, Oklahoma 7 $ 536,000 $ 76,571 $ 51,000
Logan, Oklahoma 7 $ 437,000 $ 62,428 $ 73,000
Travis, Texas 7 $ 4,976,000 $ 710,857 $ 253,000
Kitsap, Washington 7 $ 3,491,000 $ 498,714 $ 79,000
Santa Cruz, Arizona 6 $ 860,000 $ 143,333 $ 93,000
Yuba, California 6 $ 632,000 $ 105,333 $ 65,000
Gilpin, Colorado 6 $ 690,000 $ 115,000 $ 117,000
Orange, Florida 6 $ 4,183,000 $ 697,166 $ 250,000
St. Johns, Florida 6 $ 3,460,000 $ 576,666 $ 329,000
Honolulu, Hawaii 6 $ 1,877,000 $ 312,833 $ 283,000
Black Hawk, Iowa 6 $ 330,000 $ 55,000 $ 64,000
Crawford, Iowa 6 $ 396,000 $ 66,000 $ 45,000
Fremont, Iowa 6 $ 349,000 $ 58,166 $ 91,000
Keokuk, Iowa 6 $ 175,000 $ 29,166 $ 33,000
McPherson, Kansas 6 $ 595,000 $ 99,166 $ 65,000
Burt, Nebraska 6 $ 212,000 $ 35,333 $ 106,000
Colfax, Nebraska 6 $ 437,000 $ 72,833 $ 70,000
Kearney, Nebraska 6 $ 324,000 $ 54,000 $ 54,000
Catron, New Mexico 6 $ 733,000 $ 122,166 $ 47,000
Taos, New Mexico 6 $ 578,000 $ 96,333 $ 126,000
Lincoln, Oklahoma 6 $ 224,000 $ 37,333 $ 72,000
Wagoner, Oklahoma 6 $ 426,000 $ 71,000 $ 64,000
Deschutes, Oregon 6 $ 1,624,000 $ 270,666 $ 371,000
Chester, Pennsylvania 6 $ 3,030,000 $ 505,000 $ 0
Montgomery, Pennsylvania 6 $ 4,083,000 $ 680,500 $ 0
Prince William, Virginia 6 $ 3,138,000 $ 523,000 $ 108,000
Polk, Wisconsin 6 $ 723,000 $ 120,500 $ 115,000
La Plata, Colorado 5 $ 1,339,000 $ 267,800 $ 116,000
San Miguel, Colorado 5 $ 3,030,000 $ 606,000 $ 254,000
Fairfield, Connecticut 5 $ 2,698,000 $ 539,600 $ 145,000
DuPage, Illinois 5 $ 3,303,000 $ 660,600 $ 261,000
Rock Island, Illinois 5 $ 177,000 $ 35,400 $ 89,000
Audubon, Iowa 5 $ 180,000 $ 36,000 $ 56,000
Washington, Iowa 5 $ 197,000 $ 39,400 $ 68,000
Cloud, Kansas 5 $ 305,000 $ 61,000 $ 60,000
Haskell, Kansas 5 $ 506,000 $ 101,200 $ 91,000
Kearny, Kansas 5 $ 374,000 $ 74,800 $ 49,000
Isanti, Minnesota 5 $ 1,177,000 $ 235,400 $ 136,000
Jackson, Minnesota 5 $ 160,000 $ 32,000 $ 55,000
Mille Lacs, Minnesota 5 $ 748,000 $ 149,600 $ 203,000
Norman, Minnesota 5 $ 300,000 $ 60,000 $ 34,000
Morgan, Missouri 5 $ 523,000 $ 104,600 $ 64,000
St. Louis, Missouri 5 $ 2,119,000 $ 423,800 $ 192,000
Antelope, Nebraska 5 $ 410,000 $ 82,000 $ 58,000
Otoe, Nebraska 5 $ 236,000 $ 47,200 $ 64,000
Saline, Nebraska 5 $ 277,000 $ 55,400 $ 59,000
Stanton, Nebraska 5 $ 286,000 $ 57,200 $ 48,000
Wayne, Nebraska 5 $ 79,000 $ 15,800 $ 73,000
Mercer, New Jersey 5 $ 2,576,000 $ 515,200 $ 0
Grant, New Mexico 5 $ 388,000 $ 77,600 $ 77,000
Queens, New York 5 $ 2,959,000 $ 591,800 $ 86,000
Burleigh, North Dakota 5 $ 335,000 $ 67,000 $ 90,000
Brookings, South Dakota 5 $ 606,000 $ 121,200 $ 73,000
Douglas, South Dakota 5 $ 391,000 $ 78,200 $ 54,000
Lincoln, South Dakota 5 $ 1,036,000 $ 207,200 $ 58,000
Minnehaha, South Dakota 5 $ 505,000 $ 101,000 $ 69,000
Shelby, Tennessee 5 $ 1,185,000 $ 237,000 $ 415,000
Bell, Texas 5 $ 714,000 $ 142,800 $ 88,000
Tarrant, Texas 5 $ 1,126,000 $ 225,200 $ 132,000
Walla Walla, Washington 5 $ 1,215,000 $ 243,000 $ 79,000
Bayfield, Wisconsin 5 $ 427,000 $ 85,400 $ 111,000
Cochise, Arizona 4 $ 387,000 $ 96,750 $ 122,000
Graham, Arizona 4 $ 201,000 $ 50,250 $ 46,000
Humboldt, California 4 $ 2,002,000 $ 500,500 $ 104,000
Ouray, Colorado 4 $ 975,000 $ 243,750 $ 131,000
Lee, Florida 4 $ 2,736,000 $ 684,000 $ 73,000
Manatee, Florida 4 $ 1,408,000 $ 352,000 $ 191,000
Gwinnett, Georgia 4 $ 1,577,000 $ 394,250 $ 164,000
Hawaii, Hawaii 4 $ 1,012,000 $ 253,000 $ 916,000
Teton, Idaho 4 $ 2,063,000 $ 515,750 $ 230,000
Twin Falls, Idaho 4 $ 440,000 $ 110,000 $ 98,000
Buena Vista, Iowa 4 $ 99,000 $ 24,750 $ 25,000
Cass, Iowa 4 $ 284,000 $ 71,000 $ 65,000
Cedar, Iowa 4 $ 323,000 $ 80,750 $ 52,000
Delaware, Iowa 4 $ 219,000 $ 54,750 $ 53,000
Hamilton, Iowa 4 $ 148,000 $ 37,000 $ 64,000
Muscatine, Iowa 4 $ 323,000 $ 80,750 $ 78,000
Plymouth, Iowa 4 $ 399,000 $ 99,750 $ 92,000
Tama, Iowa 4 $ 241,000 $ 60,250 $ 61,000
Wayne, Iowa 4 $ 176,000 $ 44,000 $ 91,000
Meade, Kansas 4 $ 328,000 $ 82,000 $ 84,000
Pratt, Kansas 4 $ 267,000 $ 66,750 $ 47,000
Saline, Kansas 4 $ 207,000 $ 51,750 $ 53,000
Prince George's, Maryland 4 $ 2,121,000 $ 530,250 $ 128,000
Oakland, Michigan 4 $ 2,132,000 $ 533,000 $ 90,000
Meeker, Minnesota 4 $ 705,000 $ 176,250 $ 44,000
Pope, Minnesota 4 $ 566,000 $ 141,500 $ 116,000
Washington, Minnesota 4 $ 992,000 $ 248,000 $ 111,000
Clinton, Missouri 4 $ 349,000 $ 87,250 $ 30,000
Greene, Missouri 4 $ 984,000 $ 246,000 $ 215,000
Harrison, Missouri 4 $ 263,000 $ 65,750 $ 50,000
Johnson, Missouri 4 $ 397,000 $ 99,250 $ 70,000
Ray, Missouri 4 $ 219,000 $ 54,750 $ 142,000
Howard, Nebraska 4 $ 373,000 $ 93,250 $ 50,000
Knox, Nebraska 4 $ 293,000 $ 73,250 $ 171,000
Merrick, Nebraska 4 $ 164,000 $ 41,000 $ 57,000
Hunterdon, New Jersey 4 $ 2,100,000 $ 525,000 $ 0
Ocean, New Jersey 4 $ 2,292,000 $ 573,000 $ 101,000
Socorro, New Mexico 4 $ 78,000 $ 19,500 $ 32,000
Suffolk, New York 4 $ 2,248,000 $ 562,000 $ 59,000
Golden Valley, North Dakota 4 $ 96,000 $ 24,000 $ 62,000
Blaine, Oklahoma 4 $ 143,000 $ 35,750 $ 101,000
Grady, Oklahoma 4 $ 318,000 $ 79,500 $ 124,000
Love, Oklahoma 4 $ 153,000 $ 38,250 $ 34,000
Murray, Oklahoma 4 $ 276,000 $ 69,000 $ 59,000
Noble, Oklahoma 4 $ 373,000 $ 93,250 $ 110,000
Nowata, Oklahoma 4 $ 211,000 $ 52,750 $ 42,000
Pittsburg, Oklahoma 4 $ 282,000 $ 70,500 $ 96,000
Clatsop, Oregon 4 $ 1,683,000 $ 420,750 $ 151,000
Lane, Oregon 4 $ 881,000 $ 220,250 $ 160,000
Hand, South Dakota 4 $ 293,000 $ 73,250 $ 54,000
Pennington, South Dakota 4 $ 274,000 $ 68,500 $ 73,000
Collin, Texas 4 $ 1,105,000 $ 276,250 $ 30,000
Duchesne, Utah 4 $ 523,000 $ 130,750 $ 58,000
Kane, Utah 4 $ 409,000 $ 102,250 $ 58,000
Grant, Washington 4 $ 335,000 $ 83,750 $ 103,000
Spokane, Washington 4 $ 1,463,000 $ 365,750 $ 218,000
Baldwin, Alabama 3 $ 1,865,000 $ 621,666 $ 129,000
Benton, Arkansas 3 $ 673,000 $ 224,333 $ 46,000
Mendocino, California 3 $ 743,000 $ 247,666 $ 116,000
Plumas, California 3 $ 700,000 $ 233,333 $ 106,000
Phillips, Colorado 3 $ 352,000 $ 117,333 $ 39,000
Rio Grande, Colorado 3 $ 676,000 $ 225,333 $ 302,000
Yuma, Colorado 3 $ 504,000 $ 168,000 $ 74,000
Broward, Florida 3 $ 1,618,000 $ 539,333 $ 272,000
Collier, Florida 3 $ 1,250,000 $ 416,666 $ 121,000
Hillsborough, Florida 3 $ 2,064,000 $ 688,000 $ 0
Pinellas, Florida 3 $ 1,416,000 $ 472,000 $ 340,000
Seminole, Florida 3 $ 1,495,000 $ 498,333 $ 0
DeKalb, Georgia 3 $ 1,896,000 $ 632,000 $ 127,000
Forsyth, Georgia 3 $ 963,000 $ 321,000 $ 58,000
Bear Lake, Idaho 3 $ 1,158,000 $ 386,000 $ 379,000
Adair, Iowa 3 $ 80,000 $ 26,666 $ 56,000
Calhoun, Iowa 3 $ 124,000 $ 41,333 $ 59,000
Cerro Gordo, Iowa 3 $ 286,000 $ 95,333 $ 367,000
Clarke, Iowa 3 $ 361,000 $ 120,333 $ 41,000
Clayton, Iowa 3 $ 348,000 $ 116,000 $ 61,000
Greene, Iowa 3 $ 132,000 $ 44,000 $ 108,000
Jefferson, Iowa 3 $ 292,000 $ 97,333 $ 60,000
Monroe, Iowa 3 $ 105,000 $ 35,000 $ 37,000
Poweshiek, Iowa 3 $ 211,000 $ 70,333 $ 98,000
Sac, Iowa 3 $ 252,000 $ 84,000 $ 79,000
Webster, Iowa 3 $ 148,000 $ 49,333 $ 59,000
Gove, Kansas 3 $ 179,000 $ 59,666 $ 44,000
Greenwood, Kansas 3 $ 64,000 $ 21,333 $ 46,000
Labette, Kansas 3 $ 504,000 $ 168,000 $ 24,000
Osage, Kansas 3 $ 322,000 $ 107,333 $ 26,000
Seward, Kansas 3 $ 195,000 $ 65,000 $ 120,000
Stafford, Kansas 3 $ 82,000 $ 27,333 $ 36,000
Charles, Maryland 3 $ 1,362,000 $ 454,000 $ 126,000
Big Stone, Minnesota 3 $ 66,000 $ 22,000 $ 30,000
Crow Wing, Minnesota 3 $ 373,000 $ 124,333 $ 167,000
Douglas, Minnesota 3 $ 610,000 $ 203,333 $ 128,000
Kandiyohi, Minnesota 3 $ 394,000 $ 131,333 $ 48,000
McLeod, Minnesota 3 $ 769,000 $ 256,333 $ 135,000
Olmsted, Minnesota 3 $ 279,000 $ 93,000 $ 62,000
Redwood, Minnesota 3 $ 244,000 $ 81,333 $ 52,000
Wright, Minnesota 3 $ 235,000 $ 78,333 $ 41,000
Buchanan, Missouri 3 $ 148,000 $ 49,333 $ 100,000
Callaway, Missouri 3 $ 567,000 $ 189,000 $ 126,000
Jasper, Missouri 3 $ 130,000 $ 43,333 $ 66,000
Lafayette, Missouri 3 $ 115,000 $ 38,333 $ 40,000
Nodaway, Missouri 3 $ 269,000 $ 89,666 $ 25,000
Carbon, Montana 3 $ 878,000 $ 292,666 $ 152,000
Boone, Nebraska 3 $ 107,000 $ 35,666 $ 65,000
Cheyenne, Nebraska 3 $ 178,000 $ 59,333 $ 73,000
Dixon, Nebraska 3 $ 70,000 $ 23,333 $ 26,000
Jefferson, Nebraska 3 $ 69,000 $ 23,000 $ 30,000
Keith, Nebraska 3 $ 98,000 $ 32,666 $ 25,000
Pierce, Nebraska 3 $ 351,000 $ 117,000 $ 112,000
York, Nebraska 3 $ 142,000 $ 47,333 $ 52,000
Humboldt, Nevada 3 $ 696,000 $ 232,000 $ 134,000
Hudson, New Jersey 3 $ 1,534,000 $ 511,333 $ 60,000
San Juan, New Mexico 3 $ 291,000 $ 97,000 $ 82,000
Sierra, New Mexico 3 $ 266,000 $ 88,666 $ 146,000
Nassau, New York 3 $ 1,600,000 $ 533,333 $ 118,000
New York, New York 3 $ 1,774,000 $ 591,333 $ 179,000
Dare, North Carolina 3 $ 1,953,000 $ 651,000 $ 572,000
Wake, North Carolina 3 $ 2,889,000 $ 963,000 $ 495,000
Billings, North Dakota 3 $ 138,000 $ 46,000 $ 288,000
Grand Forks, North Dakota 3 $ 628,000 $ 209,333 $ 234,000
Cuyahoga, Ohio 3 $ 1,278,000 $ 426,000 $ 620,000
Custer, Oklahoma 3 $ 153,000 $ 51,000 $ 55,000
Hughes, Oklahoma 3 $ 52,000 $ 17,333 $ 23,000
Marshall, Oklahoma 3 $ 144,000 $ 48,000 $ 77,000
Tillamook, Oregon 3 $ 986,000 $ 328,666 $ 116,000
Delaware, Pennsylvania 3 $ 1,382,000 $ 460,666 $ 102,000
Philadelphia, Pennsylvania 3 $ 1,550,000 $ 516,666 $ 111,000
Jerauld, South Dakota 3 $ 320,000 $ 106,666 $ 51,000
Lawrence, South Dakota 3 $ 339,000 $ 113,000 $ 114,000
Meade, South Dakota 3 $ 233,000 $ 77,666 $ 127,000
Union, South Dakota 3 $ 251,000 $ 83,666 $ 72,000
Williamson, Tennessee 3 $ 3,421,000 $ 1,140,333 $ 0
Bexar, Texas 3 $ 553,000 $ 184,333 $ 172,000
Fort Bend, Texas 3 $ 1,986,000 $ 662,000 $ 256,000
Rockwall, Texas 3 $ 711,000 $ 237,000 $ 166,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2007

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 12,253 $2,023,256,000 $165,000 $11,550,000 $88,000 $3,135,000
Home Purchase 10,617 $1,826,535,000 $172,000 $7,500,000 $79,000 $4,518,000
Home Improvement 6,992 $419,989,000 $60,000 $2,700,000 $81,000 $4,999,000

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 18,332 $2,101,204,000 $114,000 $3,700,000 $83,000 $2,485,000
Hispanic 3,505 $382,802,000 $109,000 $3,010,000 $65,000 $1,140,000
Not Provided 3,125 $367,968,000 $117,000 $6,615,000 $98,000 $2,627,000
Not applicable 3,051 $1,106,820,000 $362,000 $11,550,000 $78,000 $4,518,000
Asian 922 $199,099,000 $215,000 $3,290,000 $134,000 $4,999,000
Black or African American 674 $79,614,000 $118,000 $1,360,000 $67,000 $900,000
American Indian or Alaskan Native 146 $11,072,000 $75,000 $525,000 $58,000 $384,000
Native Hawaiian or Other Pacific Islander 107 $21,201,000 $198,000 $1,525,000 $139,000 $1,782,000

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) 28,342 $4,094,966,000 $144,000 $11,550,000 $85,000 $4,999,000
FHA-insured (Federal Housing Administration) 1,195 $134,702,000 $112,000 $368,000 $45,000 $401,000
VA-guaranteed (Veterans Administration) 254 $34,498,000 $135,000 $444,000 $49,000 $375,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 71 $5,614,000 $79,000 $180,000 $34,000 $72,000

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 14,772 $1,823,929,000 $123,000 $11,550,000 $89,000 $4,999,000
Application Denied By Financial Institution 6,348 $637,207,000 $100,000 $6,615,000 $78,000 $2,340,000
Loan Purchased By The Institution 2,989 $1,049,295,000 $351,000 $1,500,000 $79,000 $4,518,000
Application Approved But Not Accepted 2,744 $371,430,000 $135,000 $3,600,000 $99,000 $2,627,000
Preapproval Denied by Financial Institution 2,702 $298,662,000 $110,000 $2,000,000 $46,000 $1,140,000
Application Withdrawn By Applicant 307 $89,257,000 $290,000 $3,400,000 $102,000 $1,140,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 4,493 $375,661,000 $83,000 $2,800,000 $59,000 $1,560,000
Debt-To-Income Ratio 2,547 $278,519,000 $109,000 $3,290,000 $60,000 $1,416,000
Collateral 799 $92,283,000 $115,000 $3,000,000 $103,000 $2,340,000
Other 665 $94,719,000 $142,000 $6,615,000 $95,000 $2,198,000
Credit Application Incomplete 208 $28,661,000 $137,000 $2,000,000 $124,000 $1,150,000
Employment History 156 $19,304,000 $123,000 $2,000,000 $71,000 $991,000
Insufficient Cash (Downpayment, Closing Cost) 121 $31,609,000 $261,000 $2,100,000 $105,000 $1,800,000
Unverifiable Information 58 $14,820,000 $255,000 $1,432,000 $143,000 $804,000
Mortgage Insurance Denied 2 $193,000 $96,000 $143,000 $57,000 $90,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2007 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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