Bank of the West Mortgage Lending & HMDA Data, 2009

In 2009, Bank of the West of Monterey Park, CA reported 20,594 mortgage applications totaling $4.0 billion, down 12% from 2008. The average application was for $193,413, and applicants reported an average income of $98,081. 50% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,366), Los Angeles-Long Beach-Glendale, CA (1,210) and Denver-Aurora-Broomfield, CO (1,031) (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 20,594
Total Mortgage Loan Application Amount $3,983,150,000
Average Mortgage Loan Application Amount $193,413
Highest Mortgage Loan Application Amount $5,000,000
Average Applicant Income $98,081
Highest Applicant Income $9,999,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Bank of the West by County in 2009

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 1,210 $ 388,917,000 $ 321,419 $ 146,000
Douglas, Nebraska 889 $ 107,891,000 $ 121,362 $ 80,000
Santa Clara, California 659 $ 214,924,000 $ 326,136 $ 136,000
Sedgwick, Kansas 611 $ 65,592,000 $ 107,351 $ 70,000
Alameda, California 470 $ 143,739,000 $ 305,827 $ 127,000
Contra Costa, California 419 $ 134,867,000 $ 321,878 $ 128,000
Bernalillo, New Mexico 395 $ 60,684,000 $ 153,630 $ 80,000
Orange, California 392 $ 150,307,000 $ 383,436 $ 186,000
Polk, Iowa 360 $ 43,505,000 $ 120,847 $ 76,000
San Joaquin, California 322 $ 62,019,000 $ 192,605 $ 96,000
Jefferson, Colorado 306 $ 69,536,000 $ 227,241 $ 92,000
Stanislaus, California 285 $ 56,922,000 $ 199,726 $ 127,000
Sarpy, Nebraska 277 $ 36,313,000 $ 131,093 $ 78,000
Denver, Colorado 222 $ 53,882,000 $ 242,711 $ 103,000
Garfield, Oklahoma 215 $ 16,968,000 $ 78,920 $ 59,000
Finney, Kansas 205 $ 19,822,000 $ 96,692 $ 54,000
Pima, Arizona 192 $ 39,808,000 $ 207,333 $ 100,000
Lancaster, Nebraska 190 $ 20,389,000 $ 107,310 $ 71,000
Sweetwater, Wyoming 185 $ 26,523,000 $ 143,367 $ 73,000
Sonoma, California 181 $ 54,954,000 $ 303,613 $ 119,000
San Mateo, California 179 $ 68,605,000 $ 383,268 $ 128,000
San Diego, California 173 $ 54,752,000 $ 316,485 $ 178,000
San Francisco, California 160 $ 68,841,000 $ 430,256 $ 193,000
Fresno, California 158 $ 22,549,000 $ 142,715 $ 87,000
Arapahoe, Colorado 158 $ 32,116,000 $ 203,265 $ 110,000
Adams, Colorado 150 $ 23,544,000 $ 156,960 $ 75,000
Linn, Iowa 150 $ 13,603,000 $ 90,686 $ 60,000
Dona Ana, New Mexico 144 $ 15,765,000 $ 109,479 $ 60,000
San Bernardino, California 136 $ 27,837,000 $ 204,683 $ 111,000
Ventura, California 126 $ 40,661,000 $ 322,706 $ 183,000
Mesa, Colorado 119 $ 24,056,000 $ 202,151 $ 88,000
Larimer, Colorado 116 $ 26,372,000 $ 227,344 $ 86,000
Douglas, Colorado 115 $ 43,686,000 $ 379,878 $ 134,000
Sacramento, California 113 $ 23,930,000 $ 211,769 $ 133,000
Solano, California 113 $ 21,626,000 $ 191,380 $ 112,000
Riverside, California 108 $ 30,632,000 $ 283,629 $ 129,000
Boone, Iowa 104 $ 7,525,000 $ 72,355 $ 60,000
Cass, North Dakota 100 $ 11,990,000 $ 119,900 $ 63,000
Washington, Oregon 100 $ 19,094,000 $ 190,940 $ 111,000
Ford, Kansas 99 $ 8,490,000 $ 85,757 $ 64,000
Clark, Nevada 99 $ 17,418,000 $ 175,939 $ 131,000
Boulder, Colorado 96 $ 28,878,000 $ 300,812 $ 106,000
Jackson, Missouri 95 $ 9,198,000 $ 96,821 $ 70,000
Oklahoma, Oklahoma 93 $ 13,607,000 $ 146,311 $ 90,000
Butler, Kansas 92 $ 8,736,000 $ 94,956 $ 64,000
Sandoval, New Mexico 91 $ 13,867,000 $ 152,384 $ 75,000
Weld, Colorado 89 $ 15,797,000 $ 177,494 $ 88,000
Santa Cruz, California 87 $ 31,950,000 $ 367,241 $ 155,000
Lyon, Minnesota 85 $ 10,041,000 $ 118,129 $ 57,000
Carbon, Wyoming 84 $ 10,716,000 $ 127,571 $ 72,000
Lincoln, Nebraska 83 $ 7,005,000 $ 84,397 $ 61,000
Placer, California 78 $ 21,686,000 $ 278,025 $ 162,000
Otter Tail, Minnesota 78 $ 9,765,000 $ 125,192 $ 62,000
Pinal, Arizona 77 $ 9,802,000 $ 127,298 $ 87,000
Summit, Colorado 77 $ 37,392,000 $ 485,610 $ 225,000
Warren, Iowa 75 $ 8,761,000 $ 116,813 $ 75,000
Harvey, Kansas 75 $ 6,101,000 $ 81,346 $ 66,000
Maricopa, Arizona 74 $ 19,517,000 $ 263,743 $ 370,000
Clackamas, Oregon 74 $ 13,966,000 $ 188,729 $ 100,000
Pottawattamie, Iowa 73 $ 7,896,000 $ 108,164 $ 60,000
Multnomah, Oregon 73 $ 17,175,000 $ 235,273 $ 106,000
Johnson, Kansas 72 $ 10,058,000 $ 139,694 $ 128,000
Butte, California 70 $ 9,158,000 $ 130,828 $ 57,000
Napa, California 69 $ 21,639,000 $ 313,608 $ 130,000
Moffat, Colorado 68 $ 10,751,000 $ 158,102 $ 60,000
Tulare, California 67 $ 13,434,000 $ 200,507 $ 83,000
Salt Lake, Utah 67 $ 19,578,000 $ 292,208 $ 132,000
Dallas, Iowa 66 $ 10,567,000 $ 160,106 $ 123,000
Natrona, Wyoming 66 $ 11,142,000 $ 168,818 $ 76,000
Washoe, Nevada 63 $ 12,177,000 $ 193,285 $ 119,000
Marin, California 61 $ 31,235,000 $ 512,049 $ 181,000
Lincoln, Wyoming 61 $ 11,077,000 $ 181,590 $ 71,000
Nevada, California 59 $ 15,123,000 $ 256,322 $ 103,000
Lake, California 58 $ 5,659,000 $ 97,568 $ 58,000
Kern, California 57 $ 8,497,000 $ 149,070 $ 124,000
Laramie, Wyoming 57 $ 8,743,000 $ 153,385 $ 66,000
El Dorado, California 56 $ 14,635,000 $ 261,339 $ 150,000
Winneshiek, Iowa 56 $ 7,338,000 $ 131,035 $ 70,000
Houston, Minnesota 56 $ 6,722,000 $ 120,035 $ 62,000
Anoka, Minnesota 54 $ 8,882,000 $ 164,481 $ 85,000
Gunnison, Colorado 51 $ 24,723,000 $ 484,764 $ 238,000
Stearns, Minnesota 48 $ 7,715,000 $ 160,729 $ 71,000
Tulsa, Oklahoma 47 $ 5,498,000 $ 116,978 $ 89,000
Fremont, Wyoming 46 $ 7,371,000 $ 160,239 $ 87,000
Hennepin, Minnesota 45 $ 11,274,000 $ 250,533 $ 140,000
Montrose, Colorado 43 $ 7,807,000 $ 181,558 $ 70,000
Box Butte, Nebraska 42 $ 3,505,000 $ 83,452 $ 67,000
Kay, Oklahoma 42 $ 2,037,000 $ 48,500 $ 58,000
Gila, Arizona 41 $ 1,378,000 $ 33,609 $ 48,000
Kings, California 41 $ 6,119,000 $ 149,243 $ 121,000
Johnson, Iowa 41 $ 5,345,000 $ 130,365 $ 81,000
Cowley, Kansas 41 $ 2,783,000 $ 67,878 $ 69,000
Clay, Minnesota 41 $ 5,762,000 $ 140,536 $ 69,000
Lincoln, Oregon 41 $ 7,185,000 $ 175,243 $ 81,000
Decatur, Iowa 39 $ 3,194,000 $ 81,897 $ 74,000
Cass, Nebraska 39 $ 4,757,000 $ 121,974 $ 67,000
Madison, Nebraska 39 $ 2,316,000 $ 59,384 $ 60,000
Washakie, Wyoming 39 $ 4,233,000 $ 108,538 $ 58,000
Navajo, Arizona 38 $ 3,638,000 $ 95,736 $ 64,000
Grand, Colorado 38 $ 9,433,000 $ 248,236 $ 188,000
Monterey, California 37 $ 14,499,000 $ 391,864 $ 143,000
Carroll, Iowa 36 $ 2,136,000 $ 59,333 $ 55,000
Harrison, Iowa 34 $ 3,985,000 $ 117,205 $ 69,000
Richland, North Dakota 34 $ 2,839,000 $ 83,500 $ 76,000
Washburn, Wisconsin 34 $ 6,870,000 $ 202,058 $ 93,000
Coconino, Arizona 33 $ 6,383,000 $ 193,424 $ 88,000
Buffalo, Nebraska 33 $ 2,674,000 $ 81,030 $ 53,000
Hall, Nebraska 33 $ 2,160,000 $ 65,454 $ 53,000
Campbell, Wyoming 33 $ 9,098,000 $ 275,696 $ 89,000
Wapello, Iowa 32 $ 2,333,000 $ 72,906 $ 41,000
Valencia, New Mexico 31 $ 3,900,000 $ 125,806 $ 60,000
Clay, South Dakota 31 $ 3,354,000 $ 108,193 $ 75,000
Albany, Wyoming 31 $ 4,515,000 $ 145,645 $ 110,000
Ada, Idaho 30 $ 3,825,000 $ 127,500 $ 104,000
Reno, Kansas 30 $ 2,064,000 $ 68,800 $ 77,000
Canadian, Oklahoma 30 $ 3,371,000 $ 112,366 $ 66,000
Uinta, Wyoming 30 $ 4,502,000 $ 150,066 $ 61,000
Chaffee, Colorado 28 $ 6,290,000 $ 224,642 $ 78,000
Park, Colorado 28 $ 5,480,000 $ 195,714 $ 98,000
Park, Wyoming 28 $ 3,351,000 $ 119,678 $ 52,000
Yolo, California 27 $ 4,669,000 $ 172,925 $ 92,000
Routt, Colorado 26 $ 9,019,000 $ 346,884 $ 124,000
Franklin, Kansas 26 $ 1,751,000 $ 67,346 $ 62,000
Lincoln, Minnesota 26 $ 1,827,000 $ 70,269 $ 60,000
Morrison, Minnesota 26 $ 2,994,000 $ 115,153 $ 71,000
Stevens, Minnesota 26 $ 2,935,000 $ 112,884 $ 73,000
Swift, Minnesota 26 $ 2,703,000 $ 103,961 $ 78,000
Umatilla, Oregon 26 $ 2,573,000 $ 98,961 $ 47,000
Apache, Arizona 25 $ 2,856,000 $ 114,240 $ 50,000
Santa Barbara, California 25 $ 14,232,000 $ 569,280 $ 197,000
Gage, Nebraska 25 $ 1,434,000 $ 57,360 $ 56,000
Washington, Nebraska 25 $ 4,682,000 $ 187,280 $ 99,000
Benton, Washington 25 $ 3,850,000 $ 154,000 $ 156,000
Carter, Oklahoma 24 $ 2,440,000 $ 101,666 $ 100,000
Washington, Oklahoma 24 $ 2,239,000 $ 93,291 $ 53,000
Kittitas, Washington 24 $ 4,297,000 $ 179,041 $ 72,000
Sublette, Wyoming 24 $ 4,049,000 $ 168,708 $ 104,000
Merced, California 23 $ 5,349,000 $ 232,565 $ 116,000
Platte, Nebraska 23 $ 1,868,000 $ 81,217 $ 50,000
Story, Iowa 22 $ 2,256,000 $ 102,545 $ 67,000
Barton, Kansas 22 $ 686,000 $ 31,181 $ 51,000
Cherry, Nebraska 22 $ 1,569,000 $ 71,318 $ 37,000
Payne, Oklahoma 22 $ 811,000 $ 36,863 $ 42,000
Pontotoc, Oklahoma 22 $ 1,632,000 $ 74,181 $ 58,000
Calaveras, California 21 $ 4,127,000 $ 196,523 $ 78,000
Broomfield, Colorado 21 $ 3,758,000 $ 178,952 $ 113,000
Las Animas, Colorado 21 $ 1,819,000 $ 86,619 $ 71,000
Clay, Missouri 21 $ 1,458,000 $ 69,428 $ 82,000
Cleveland, Oklahoma 21 $ 2,795,000 $ 133,095 $ 132,000
Converse, Wyoming 21 $ 2,879,000 $ 137,095 $ 69,000
San Luis Obispo, California 20 $ 9,672,000 $ 483,600 $ 280,000
Delta, Colorado 20 $ 3,270,000 $ 163,500 $ 92,000
Elbert, Colorado 20 $ 5,788,000 $ 289,400 $ 114,000
Jackson, Minnesota 20 $ 1,280,000 $ 64,000 $ 48,000
Wilkin, Minnesota 20 $ 1,848,000 $ 92,400 $ 62,000
Dawes, Nebraska 20 $ 1,546,000 $ 77,300 $ 54,000
Beadle, South Dakota 20 $ 2,245,000 $ 112,250 $ 55,000
Scott, Iowa 19 $ 1,286,000 $ 67,684 $ 61,000
Nobles, Minnesota 19 $ 2,070,000 $ 108,947 $ 79,000
Teton, Wyoming 19 $ 5,938,000 $ 312,526 $ 184,000
Jones, Iowa 18 $ 1,517,000 $ 84,277 $ 58,000
Woodbury, Iowa 18 $ 1,351,000 $ 75,055 $ 49,000
Traverse, Minnesota 18 $ 1,605,000 $ 89,166 $ 92,000
Sheridan, Nebraska 18 $ 861,000 $ 47,833 $ 46,000
Santa Fe, New Mexico 18 $ 4,484,000 $ 249,111 $ 125,000
Tuolumne, California 17 $ 2,955,000 $ 173,823 $ 86,000
Edwards, Kansas 17 $ 368,000 $ 21,647 $ 52,000
Pawnee, Kansas 17 $ 876,000 $ 51,529 $ 55,000
Saunders, Nebraska 17 $ 1,626,000 $ 95,647 $ 75,000
Platte, Wyoming 17 $ 1,890,000 $ 111,176 $ 81,000
Sheridan, Wyoming 17 $ 6,126,000 $ 360,352 $ 40,000
Blaine, Idaho 16 $ 7,143,000 $ 446,437 $ 396,000
Cass, Missouri 16 $ 1,286,000 $ 80,375 $ 71,000
Niobrara, Wyoming 16 $ 1,941,000 $ 121,312 $ 72,000
Washington, Idaho 15 $ 1,479,000 $ 98,600 $ 46,000
Cottonwood, Minnesota 15 $ 1,153,000 $ 76,866 $ 57,000
Douglas, Nevada 15 $ 5,140,000 $ 342,666 $ 169,000
Yavapai, Arizona 14 $ 1,093,000 $ 78,071 $ 43,000
Pueblo, Colorado 14 $ 1,624,000 $ 116,000 $ 87,000
Seminole, Oklahoma 14 $ 460,000 $ 32,857 $ 39,000
Madera, California 13 $ 2,250,000 $ 173,076 $ 125,000
Morgan, Colorado 13 $ 2,170,000 $ 166,923 $ 51,000
Canyon, Idaho 13 $ 1,340,000 $ 103,076 $ 102,000
Mahaska, Iowa 13 $ 478,000 $ 36,769 $ 57,000
Marshall, Iowa 13 $ 593,000 $ 45,615 $ 60,000
Kingman, Kansas 13 $ 459,000 $ 35,307 $ 53,000
Sumner, Kansas 13 $ 822,000 $ 63,230 $ 70,000
Sherburne, Minnesota 13 $ 2,554,000 $ 196,461 $ 64,000
Osage, Oklahoma 13 $ 1,024,000 $ 78,769 $ 56,000
Columbia, Oregon 13 $ 1,710,000 $ 131,538 $ 66,000
Marion, Oregon 13 $ 2,729,000 $ 209,923 $ 121,000
El Paso, Texas 13 $ 2,259,000 $ 173,769 $ 85,000
King, Washington 13 $ 8,894,000 $ 684,153 $ 267,000
Yakima, Washington 13 $ 3,445,000 $ 265,000 $ 40,000
Goshen, Wyoming 13 $ 1,000,000 $ 76,923 $ 37,000
Logan, Colorado 12 $ 1,612,000 $ 134,333 $ 41,000
Mills, Iowa 12 $ 1,320,000 $ 110,000 $ 72,000
St. Louis, Missouri 12 $ 1,452,000 $ 121,000 $ 71,000
Major, Oklahoma 12 $ 1,073,000 $ 89,416 $ 59,000
Davis, Utah 12 $ 2,298,000 $ 191,500 $ 81,000
El Paso, Colorado 11 $ 4,817,000 $ 437,909 $ 136,000
Davis, Iowa 11 $ 511,000 $ 46,454 $ 55,000
Madison, Iowa 11 $ 1,285,000 $ 116,818 $ 46,000
Pope, Minnesota 11 $ 2,393,000 $ 217,545 $ 118,000
Carson City, Nevada 11 $ 1,822,000 $ 165,636 $ 67,000
Stark, North Dakota 11 $ 1,362,000 $ 123,818 $ 68,000
Malheur, Oregon 11 $ 1,822,000 $ 165,636 $ 50,000
Wasco, Oregon 11 $ 1,074,000 $ 97,636 $ 63,000
Mariposa, California 10 $ 1,598,000 $ 159,800 $ 106,000
Eagle, Colorado 10 $ 11,104,000 $ 1,110,400 $ 874,000
Yellow Medicine, Minnesota 10 $ 1,036,000 $ 103,600 $ 60,000
Morrill, Nebraska 10 $ 1,082,000 $ 108,200 $ 58,000
Spink, South Dakota 10 $ 928,000 $ 92,800 $ 63,000
Summit, Utah 10 $ 10,892,000 $ 1,089,200 $ 444,000
Utah, Utah 10 $ 4,216,000 $ 421,600 $ 259,000
Franklin, Washington 10 $ 1,399,000 $ 139,900 $ 78,000
Mono, California 9 $ 4,658,000 $ 517,555 $ 415,000
Garfield, Colorado 9 $ 2,953,000 $ 328,111 $ 131,000
Kit Carson, Colorado 9 $ 859,000 $ 95,444 $ 46,000
Hawaii, Hawaii 9 $ 2,353,000 $ 261,444 $ 140,000
Allamakee, Iowa 9 $ 887,000 $ 98,555 $ 53,000
Carver, Minnesota 9 $ 2,476,000 $ 275,111 $ 105,000
Dakota, Minnesota 9 $ 1,608,000 $ 178,666 $ 122,000
Pulaski, Missouri 9 $ 336,000 $ 37,333 $ 89,000
Dodge, Nebraska 9 $ 892,000 $ 99,111 $ 57,000
Creek, Oklahoma 9 $ 550,000 $ 61,111 $ 57,000
Douglas, South Dakota 9 $ 605,000 $ 67,222 $ 122,000
Perkins, South Dakota 9 $ 579,000 $ 64,333 $ 38,000
Union, South Dakota 9 $ 1,272,000 $ 141,333 $ 123,000
Sawyer, Wisconsin 9 $ 1,587,000 $ 176,333 $ 57,000
San Benito, California 8 $ 2,913,000 $ 364,125 $ 211,000
Ouray, Colorado 8 $ 2,083,000 $ 260,375 $ 66,000
Phillips, Colorado 8 $ 1,000,000 $ 125,000 $ 27,000
Iowa, Iowa 8 $ 607,000 $ 75,875 $ 90,000
Marion, Iowa 8 $ 496,000 $ 62,000 $ 45,000
Shelby, Iowa 8 $ 576,000 $ 72,000 $ 57,000
Anderson, Kansas 8 $ 212,000 $ 26,500 $ 61,000
Douglas, Kansas 8 $ 1,403,000 $ 175,375 $ 77,000
Gray, Kansas 8 $ 1,069,000 $ 133,625 $ 86,000
Kearny, Kansas 8 $ 573,000 $ 71,625 $ 55,000
Pierce, Nebraska 8 $ 531,000 $ 66,375 $ 67,000
McClain, Oklahoma 8 $ 429,000 $ 53,625 $ 56,000
Charles Mix, South Dakota 8 $ 1,064,000 $ 133,000 $ 48,000
Fall River, South Dakota 8 $ 1,762,000 $ 220,250 $ 103,000
Clark, Washington 8 $ 1,997,000 $ 249,625 $ 105,000
Plumas, California 7 $ 2,450,000 $ 350,000 $ 351,000
Yuba, California 7 $ 959,000 $ 137,000 $ 40,000
Benton, Iowa 7 $ 419,000 $ 59,857 $ 57,000
Marion, Kansas 7 $ 396,000 $ 56,571 $ 49,000
Norman, Minnesota 7 $ 292,000 $ 41,714 $ 82,000
Ramsey, Minnesota 7 $ 1,628,000 $ 232,571 $ 136,000
St. Louis, Minnesota 7 $ 1,057,000 $ 151,000 $ 67,000
Platte, Missouri 7 $ 1,235,000 $ 176,428 $ 121,000
Lincoln, Oklahoma 7 $ 633,000 $ 90,428 $ 85,000
Pottawatomie, Oklahoma 7 $ 439,000 $ 62,714 $ 45,000
Minnehaha, South Dakota 7 $ 2,644,000 $ 377,714 $ 66,000
Potter, South Dakota 7 $ 635,000 $ 90,714 $ 75,000
Pierce, Washington 7 $ 1,389,000 $ 198,428 $ 72,000
Amador, California 6 $ 1,613,000 $ 268,833 $ 116,000
Gilpin, Colorado 6 $ 740,000 $ 123,333 $ 78,000
Cerro Gordo, Iowa 6 $ 781,000 $ 130,166 $ 158,000
Fayette, Iowa 6 $ 782,000 $ 130,333 $ 39,000
Dickinson, Kansas 6 $ 166,000 $ 27,666 $ 44,000
Becker, Minnesota 6 $ 1,583,000 $ 263,833 $ 63,000
Fillmore, Minnesota 6 $ 656,000 $ 109,333 $ 41,000
Howard, Nebraska 6 $ 440,000 $ 73,333 $ 43,000
Rogers, Oklahoma 6 $ 975,000 $ 162,500 $ 78,000
Wagoner, Oklahoma 6 $ 679,000 $ 113,166 $ 76,000
Clatsop, Oregon 6 $ 3,195,000 $ 532,500 $ 218,000
Deschutes, Oregon 6 $ 1,674,000 $ 279,000 $ 241,000
Lane, Oregon 6 $ 1,484,000 $ 247,333 $ 75,000
Yamhill, Oregon 6 $ 975,000 $ 162,500 $ 56,000
Hot Springs, Wyoming 6 $ 632,000 $ 105,333 $ 60,000
Sutter, California 5 $ 671,000 $ 134,200 $ 77,000
Clear Creek, Colorado 5 $ 1,087,000 $ 217,400 $ 120,000
Maui, Hawaii 5 $ 3,564,000 $ 712,800 $ 592,000
Black Hawk, Iowa 5 $ 746,000 $ 149,200 $ 76,000
Cedar, Iowa 5 $ 551,000 $ 110,200 $ 82,000
Jasper, Iowa 5 $ 230,000 $ 46,000 $ 61,000
Washington, Iowa 5 $ 422,000 $ 84,400 $ 67,000
McPherson, Kansas 5 $ 339,000 $ 67,800 $ 65,000
Seward, Kansas 5 $ 148,000 $ 29,600 $ 54,000
Stafford, Kansas 5 $ 106,000 $ 21,200 $ 44,000
Cass, Minnesota 5 $ 458,000 $ 91,600 $ 101,000
Douglas, Minnesota 5 $ 799,000 $ 159,800 $ 196,000
Kandiyohi, Minnesota 5 $ 698,000 $ 139,600 $ 50,000
Meeker, Minnesota 5 $ 859,000 $ 171,800 $ 91,000
Mille Lacs, Minnesota 5 $ 852,000 $ 170,400 $ 123,000
Camden, Missouri 5 $ 577,000 $ 115,400 $ 112,000
Otoe, Nebraska 5 $ 309,000 $ 61,800 $ 66,000
Seward, Nebraska 5 $ 466,000 $ 93,200 $ 48,000
Torrance, New Mexico 5 $ 791,000 $ 158,200 $ 115,000
Golden Valley, North Dakota 5 $ 371,000 $ 74,200 $ 70,000
Griggs, North Dakota 5 $ 341,000 $ 68,200 $ 61,000
Blaine, Oklahoma 5 $ 296,000 $ 59,200 $ 49,000
Texas, Oklahoma 5 $ 59,000 $ 11,800 $ 38,000
Clark, South Dakota 5 $ 455,000 $ 91,000 $ 53,000
Hand, South Dakota 5 $ 435,000 $ 87,000 $ 51,000
Pennington, South Dakota 5 $ 3,062,000 $ 612,400 $ 149,000
Tarrant, Texas 5 $ 3,710,000 $ 742,000 $ 468,000
Barron, Wisconsin 5 $ 570,000 $ 114,000 $ 36,000
Big Horn, Wyoming 5 $ 577,000 $ 115,400 $ 64,000
Santa Cruz, Arizona 4 $ 1,068,000 $ 267,000 $ 86,000
Tehama, California 4 $ 398,000 $ 99,500 $ 70,000
La Plata, Colorado 4 $ 778,000 $ 194,500 $ 86,000
Rio Blanco, Colorado 4 $ 792,000 $ 198,000 $ 68,000
Dickinson, Iowa 4 $ 423,000 $ 105,750 $ 123,000
Howard, Iowa 4 $ 296,000 $ 74,000 $ 51,000
Jefferson, Iowa 4 $ 544,000 $ 136,000 $ 90,000
Ringgold, Iowa 4 $ 115,000 $ 28,750 $ 58,000
Ellsworth, Kansas 4 $ 83,000 $ 20,750 $ 84,000
Rice, Kansas 4 $ 191,000 $ 47,750 $ 52,000
Saline, Kansas 4 $ 68,000 $ 17,000 $ 51,000
Wyandotte, Kansas 4 $ 45,000 $ 11,250 $ 52,000
Grant, Minnesota 4 $ 262,000 $ 65,500 $ 65,000
Isanti, Minnesota 4 $ 975,000 $ 243,750 $ 110,000
Redwood, Minnesota 4 $ 259,000 $ 64,750 $ 61,000
Adams, Nebraska 4 $ 295,000 $ 73,750 $ 71,000
Kearney, Nebraska 4 $ 298,000 $ 74,500 $ 55,000
Nance, Nebraska 4 $ 363,000 $ 90,750 $ 98,000
Wayne, Nebraska 4 $ 207,000 $ 51,750 $ 67,000
Otero, New Mexico 4 $ 171,000 $ 42,750 $ 49,000
Mecklenburg, North Carolina 4 $ 407,000 $ 101,750 $ 75,000
Alfalfa, Oklahoma 4 $ 382,000 $ 95,500 $ 116,000
Delaware, Oklahoma 4 $ 1,811,000 $ 452,750 $ 1,297,000
Johnston, Oklahoma 4 $ 59,000 $ 14,750 $ 63,000
Noble, Oklahoma 4 $ 54,000 $ 13,500 $ 36,000
Okmulgee, Oklahoma 4 $ 396,000 $ 99,000 $ 63,000
Jackson, Oregon 4 $ 717,000 $ 179,250 $ 197,000
Linn, Oregon 4 $ 1,111,000 $ 277,750 $ 119,000
Tillamook, Oregon 4 $ 1,098,000 $ 274,500 $ 247,000
Brookings, South Dakota 4 $ 495,000 $ 123,750 $ 82,000
Washington, Utah 4 $ 755,000 $ 188,750 $ 151,000
Walla Walla, Washington 4 $ 650,000 $ 162,500 $ 237,000
Burnett, Wisconsin 4 $ 648,000 $ 162,000 $ 44,000
Cochise, Arizona 3 $ 287,000 $ 95,666 $ 41,000
Mohave, Arizona 3 $ 421,000 $ 140,333 $ 52,000
Benton, Arkansas 3 $ 179,000 $ 59,666 $ 105,000
Mendocino, California 3 $ 607,000 $ 202,333 $ 146,000
DeKalb, Georgia 3 $ 1,396,000 $ 465,333 $ 170,000
Bannock, Idaho 3 $ 566,000 $ 188,666 $ 127,000
Twin Falls, Idaho 3 $ 355,000 $ 118,333 $ 44,000
Clarke, Iowa 3 $ 124,000 $ 41,333 $ 80,000
Dubuque, Iowa 3 $ 221,000 $ 73,666 $ 53,000
Fremont, Iowa 3 $ 271,000 $ 90,333 $ 75,000
Greene, Iowa 3 $ 156,000 $ 52,000 $ 36,000
Guthrie, Iowa 3 $ 384,000 $ 128,000 $ 66,000
Hardin, Iowa 3 $ 73,000 $ 24,333 $ 39,000
Keokuk, Iowa 3 $ 105,000 $ 35,000 $ 47,000
Haskell, Kansas 3 $ 367,000 $ 122,333 $ 57,000
Meade, Kansas 3 $ 263,000 $ 87,666 $ 75,000
Osage, Kansas 3 $ 90,000 $ 30,000 $ 40,000
Hubbard, Minnesota 3 $ 771,000 $ 257,000 $ 121,000
Scott, Minnesota 3 $ 932,000 $ 310,666 $ 304,000
Wright, Minnesota 3 $ 603,000 $ 201,000 $ 61,000
Silver Bow, Montana 3 $ 1,828,000 $ 609,333 $ 182,000
Dakota, Nebraska 3 $ 81,000 $ 27,000 $ 54,000
Dawson, Nebraska 3 $ 221,000 $ 73,666 $ 57,000
Dixon, Nebraska 3 $ 184,000 $ 61,333 $ 77,000
Furnas, Nebraska 3 $ 59,000 $ 19,666 $ 99,000
Sioux, Nebraska 3 $ 164,000 $ 54,666 $ 54,000
Churchill, Nevada 3 $ 503,000 $ 167,666 $ 75,000
Lyon, Nevada 3 $ 181,000 $ 60,333 $ 64,000
Catron, New Mexico 3 $ 348,000 $ 116,000 $ 33,000
Socorro, New Mexico 3 $ 422,000 $ 140,666 $ 117,000
Pembina, North Dakota 3 $ 193,000 $ 64,333 $ 61,000
Kingfisher, Oklahoma 3 $ 595,000 $ 198,333 $ 267,000
Logan, Oklahoma 3 $ 84,000 $ 28,000 $ 51,000
Douglas, Oregon 3 $ 373,000 $ 124,333 $ 70,000
Davison, South Dakota 3 $ 2,753,000 $ 917,666 $ 0
Lawrence, South Dakota 3 $ 547,000 $ 182,333 $ 79,000
Collin, Texas 3 $ 406,000 $ 135,333 $ 86,000
Travis, Texas 3 $ 1,143,000 $ 381,000 $ 215,000
Kane, Utah 3 $ 260,000 $ 86,666 $ 65,000
Wasatch, Utah 3 $ 3,482,000 $ 1,160,666 $ 2,608,000
Weber, Utah 3 $ 511,000 $ 170,333 $ 53,000
Chelan, Washington 3 $ 588,000 $ 196,000 $ 79,000
Kitsap, Washington 3 $ 970,000 $ 323,333 $ 76,000
Whatcom, Washington 3 $ 820,000 $ 273,333 $ 354,000
Douglas, Wisconsin 3 $ 288,000 $ 96,000 $ 160,000
Marathon, Wisconsin 3 $ 418,000 $ 139,333 $ 107,000
Weston, Wyoming 3 $ 436,000 $ 145,333 $ 78,000
Yuma, Arizona 2 $ 844,000 $ 422,000 $ 142,000
Alpine, California 2 $ 492,000 $ 246,000 $ 854,000
Glenn, California 2 $ 136,000 $ 68,000 $ 46,000
Humboldt, California 2 $ 100,000 $ 50,000 $ 78,000
Shasta, California 2 $ 249,000 $ 124,500 $ 406,000
Archuleta, Colorado 2 $ 192,000 $ 96,000 $ 61,000
Custer, Colorado 2 $ 200,000 $ 100,000 $ 49,000
Fremont, Colorado 2 $ 2,256,000 $ 1,128,000 $ 394,000
Pitkin, Colorado 2 $ 3,800,000 $ 1,900,000 $ 1,227,000
Rio Grande, Colorado 2 $ 348,000 $ 174,000 $ 463,000
San Miguel, Colorado 2 $ 1,902,000 $ 951,000 $ 29,000
Sedgwick, Colorado 2 $ 63,000 $ 31,500 $ 6,000
Teller, Colorado 2 $ 94,000 $ 47,000 $ 88,000
Brevard, Florida 2 $ 504,000 $ 252,000 $ 160,000
Lee, Florida 2 $ 340,000 $ 170,000 $ 151,000
Miami-Dade, Florida 2 $ 776,000 $ 388,000 $ 157,000
Palm Beach, Florida 2 $ 288,000 $ 144,000 $ 89,000
Sarasota, Florida 2 $ 220,000 $ 110,000 $ 59,000
Honolulu, Hawaii 2 $ 990,000 $ 495,000 $ 263,000
Kauai, Hawaii 2 $ 2,917,000 $ 1,458,500 $ 1,078,000
Kootenai, Idaho 2 $ 558,000 $ 279,000 $ 262,000
Payette, Idaho 2 $ 251,000 $ 125,500 $ 73,000
Valley, Idaho 2 $ 248,000 $ 124,000 $ 566,000
Cook, Illinois 2 $ 472,000 $ 236,000 $ 178,000
Cass, Iowa 2 $ 103,000 $ 51,500 $ 79,000
Pocahontas, Iowa 2 $ 132,000 $ 66,000 $ 44,000
Sac, Iowa 2 $ 40,000 $ 20,000 $ 41,000
Chase, Kansas 2 $ 67,000 $ 33,500 $ 57,000
Clark, Kansas 2 $ 97,000 $ 48,500 $ 78,000
Coffey, Kansas 2 $ 214,000 $ 107,000 $ 72,000
Comanche, Kansas 2 $ 74,000 $ 37,000 $ 58,000
Crawford, Kansas 2 $ 53,000 $ 26,500 $ 48,000
Geary, Kansas 2 $ 195,000 $ 97,500 $ 83,000
Harper, Kansas 2 $ 101,000 $ 50,500 $ 43,000
Lyon, Kansas 2 $ 326,000 $ 163,000 $ 168,000
Miami, Kansas 2 $ 439,000 $ 219,500 $ 86,000
Ness, Kansas 2 $ 236,000 $ 118,000 $ 128,000
Rooks, Kansas 2 $ 121,000 $ 60,500 $ 300,000
Shawnee, Kansas 2 $ 161,000 $ 80,500 $ 42,000
Trego, Kansas 2 $ 108,000 $ 54,000 $ 46,000
Woodson, Kansas 2 $ 33,000 $ 16,500 $ 49,000
Montgomery, Maryland 2 $ 1,857,000 $ 928,500 $ 106,000
Big Stone, Minnesota 2 $ 429,000 $ 214,500 $ 106,000
Washington, Minnesota 2 $ 402,000 $ 201,000 $ 67,000
Winona, Minnesota 2 $ 219,000 $ 109,500 $ 40,000
Buchanan, Missouri 2 $ 178,000 $ 89,000 $ 61,000
Harrison, Missouri 2 $ 168,000 $ 84,000 $ 55,000
Holt, Missouri 2 $ 150,000 $ 75,000 $ 99,000
Macon, Missouri 2 $ 107,000 $ 53,500 $ 78,000
Big Horn, Montana 2 $ 24,000 $ 12,000 $ 55,000
Flathead, Montana 2 $ 265,000 $ 132,500 $ 55,000
Wibaux, Montana 2 $ 71,000 $ 35,500 $ 47,000
Butler, Nebraska 2 $ 273,000 $ 136,500 $ 21,000
Colfax, Nebraska 2 $ 80,000 $ 40,000 $ 149,000
Hamilton, Nebraska 2 $ 103,000 $ 51,500 $ 29,000
Knox, Nebraska 2 $ 677,000 $ 338,500 $ 18,000
Polk, Nebraska 2 $ 99,000 $ 49,500 $ 60,000
Stanton, Nebraska 2 $ 113,000 $ 56,500 $ 35,000
Thayer, Nebraska 2 $ 640,000 $ 320,000 $ 114,000
Elko, Nevada 2 $ 190,000 $ 95,000 $ 46,000
Lincoln, Nevada 2 $ 214,000 $ 107,000 $ 110,000
Hidalgo, New Mexico 2 $ 122,000 $ 61,000 $ 92,000
Luna, New Mexico 2 $ 139,000 $ 69,500 $ 34,000
Rio Arriba, New Mexico 2 $ 395,000 $ 197,500 $ 103,000
San Miguel, New Mexico 2 $ 123,000 $ 61,500 $ 43,000
Barnes, North Dakota 2 $ 157,000 $ 78,500 $ 33,000
Burleigh, North Dakota 2 $ 380,000 $ 190,000 $ 116,000
Cherokee, Oklahoma 2 $ 166,000 $ 83,000 $ 42,000
Coal, Oklahoma 2 $ 70,000 $ 35,000 $ 35,000
Grant, Oklahoma 2 $ 95,000 $ 47,500 $ 31,000
Haskell, Oklahoma 2 $ 49,000 $ 24,500 $ 74,000
Hughes, Oklahoma 2 $ 134,000 $ 67,000 $ 32,000
Love, Oklahoma 2 $ 94,000 $ 47,000 $ 46,000
Murray, Oklahoma 2 $ 275,000 $ 137,500 $ 53,000
Woods, Oklahoma 2 $ 86,000 $ 43,000 $ 64,000
Jefferson, Oregon 2 $ 88,000 $ 44,000 $ 27,000
Codington, South Dakota 2 $ 287,000 $ 143,500 $ 64,000
Custer, South Dakota 2 $ 247,000 $ 123,500 $ 46,000
Gregory, South Dakota 2 $ 350,000 $ 175,000 $ 35,000
Denton, Texas 2 $ 486,000 $ 243,000 $ 166,000
Cache, Utah 2 $ 335,000 $ 167,500 $ 140,000
Daggett, Utah 2 $ 234,000 $ 117,000 $ 56,000
Rich, Utah 2 $ 780,000 $ 390,000 $ 161,000
Prince William, Virginia 2 $ 414,000 $ 207,000 $ 75,000
Klickitat, Washington 2 $ 356,000 $ 178,000 $ 73,000
Bayfield, Wisconsin 2 $ 314,000 $ 157,000 $ 35,000
Milwaukee, Wisconsin 2 $ 94,000 $ 47,000 $ 45,000
St. Croix, Wisconsin 2 $ 488,000 $ 244,000 $ 64,000
Colbert, Alabama 1 $ 55,000 $ 55,000 $ 52,000
Elmore, Alabama 1 $ 74,000 $ 74,000 $ 60,000
La Paz, Arizona 1 $ 60,000 $ 60,000 $ 76,000
Carroll, Arkansas 1 $ 124,000 $ 124,000 $ 94,000
Garland, Arkansas 1 $ 36,000 $ 36,000 $ 80,000
Johnson, Arkansas 1 $ 417,000 $ 417,000 $ 0
Saline, Arkansas 1 $ 138,000 $ 138,000 $ 347,000
White, Arkansas 1 $ 63,000 $ 63,000 $ 60,000
Del Norte, California 1 $ 267,000 $ 267,000 $ 92,000
Imperial, California 1 $ 153,000 $ 153,000 $ 114,000
Modoc, California 1 $ 1,000,000 $ 1,000,000 $ 1,375,000
Sierra, California 1 $ 102,000 $ 102,000 $ 0
Conejos, Colorado 1 $ 27,000 $ 27,000 $ 18,000
Huerfano, Colorado 1 $ 128,000 $ 128,000 $ 35,000
Yuma, Colorado 1 $ 354,000 $ 354,000 $ 124,000
Broward, Florida 1 $ 150,000 $ 150,000 $ 90,000
Citrus, Florida 1 $ 88,000 $ 88,000 $ 79,000
Collier, Florida 1 $ 60,000 $ 60,000 $ 18,000
Escambia, Florida 1 $ 182,000 $ 182,000 $ 71,000
Hillsborough, Florida 1 $ 185,000 $ 185,000 $ 136,000
Manatee, Florida 1 $ 417,000 $ 417,000 $ 155,000
Orange, Florida 1 $ 146,000 $ 146,000 $ 0
Osceola, Florida 1 $ 148,000 $ 148,000 $ 81,000
Santa Rosa, Florida 1 $ 250,000 $ 250,000 $ 71,000
St. Lucie, Florida 1 $ 165,000 $ 165,000 $ 73,000
Volusia, Florida 1 $ 158,000 $ 158,000 $ 45,000
Chatham, Georgia 1 $ 273,000 $ 273,000 $ 0
Cherokee, Georgia 1 $ 141,000 $ 141,000 $ 36,000
Cobb, Georgia 1 $ 294,000 $ 294,000 $ 197,000
Fulton, Georgia 1 $ 417,000 $ 417,000 $ 183,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2009

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 9,730 $2,189,843,000 $225,000 $5,000,000 $106,000 $9,999,000
Home Purchase 8,444 $1,617,303,000 $191,000 $4,000,000 $95,000 $8,920,000
Home Improvement 2,420 $176,004,000 $72,000 $3,000,000 $77,000 $2,296,000

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 14,480 $2,719,349,000 $187,000 $4,000,000 $101,000 $9,999,000
Hispanic 2,312 $320,677,000 $138,000 $2,500,000 $65,000 $1,660,000
Not Provided 1,892 $453,459,000 $239,000 $3,896,000 $118,000 $3,287,000
Asian 1,230 $345,591,000 $280,000 $3,500,000 $119,000 $1,554,000
Black or African American 403 $55,807,000 $138,000 $1,200,000 $67,000 $750,000
Not applicable 94 $58,959,000 $627,000 $5,000,000 $0 $0
Native Hawaiian or Other Pacific Islander 93 $18,563,000 $199,000 $1,080,000 $77,000 $300,000
American Indian or Alaskan Native 90 $10,745,000 $119,000 $1,100,000 $86,000 $2,037,000

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) 15,628 $3,266,284,000 $209,000 $5,000,000 $112,000 $9,999,000
FHA-insured (Federal Housing Administration) 4,275 $612,823,000 $143,000 $743,000 $55,000 $818,000
VA-guaranteed (Veterans Administration) 445 $76,333,000 $171,000 $834,000 $60,000 $216,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 246 $27,710,000 $112,000 $380,000 $40,000 $123,000

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 10,362 $2,058,608,000 $198,000 $5,000,000 $102,000 $8,920,000
Application Denied By Financial Institution 5,065 $918,495,000 $181,000 $4,000,000 $99,000 $9,999,000
Preapproval Denied by Financial Institution 2,664 $382,888,000 $143,000 $3,500,000 $57,000 $5,384,000
Application Approved But Not Accepted 1,803 $415,406,000 $230,000 $3,465,000 $119,000 $2,141,000
Application Withdrawn By Applicant 700 $207,753,000 $296,000 $3,000,000 $138,000 $6,333,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 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 3,272 $354,152,000 $108,000 $3,444,000 $68,000 $9,999,000
Debt-To-Income Ratio 2,089 $425,864,000 $203,000 $4,000,000 $66,000 $1,472,000
Collateral 1,383 $313,295,000 $226,000 $3,000,000 $125,000 $9,786,000
Other 409 $87,105,000 $212,000 $2,260,000 $154,000 $2,774,000
Credit Application Incomplete 189 $30,664,000 $162,000 $1,854,000 $104,000 $1,278,000
Insufficient Cash (Downpayment, Closing Cost) 172 $52,207,000 $303,000 $2,500,000 $128,000 $5,384,000
Employment History 113 $17,843,000 $157,000 $1,423,000 $70,000 $517,000
Mortgage Insurance Denied 53 $10,709,000 $202,000 $900,000 $83,000 $725,000
Unverifiable Information 49 $9,544,000 $194,000 $880,000 $97,000 $480,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2009 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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