Bank of the West Mortgage Lending & HMDA Data, 2010
In 2010, Bank of the West of Monterey Park, CA reported 16,828 mortgage applications totaling $3.7 billion, down 18% from 2009. The average application was for $219,179, and applicants reported an average income of $118,537. 54% of its applications resulted in an originated loan and 28% were denied. Its largest markets were Omaha-Council Bluffs, NE-IA (1,279), Los Angeles-Long Beach-Glendale, CA (1,252) and Oakland-Fremont-Hayward, CA (826) (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 | 16,828 |
| Total Mortgage Loan Application Amount | $3,688,346,000 |
| Average Mortgage Loan Application Amount | $219,179 |
| Highest Mortgage Loan Application Amount | $7,000,000 |
| Average Applicant Income | $118,537 |
| 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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Omaha-Council Bluffs, NE-IA | 1,279 | $ 167,391,000 | $ 130,876 | $ 90,560 |
| Los Angeles-Long Beach-Glendale, CA | 1,252 | $ 521,824,000 | $ 416,792 | $ 218,000 |
| Oakland-Fremont-Hayward, CA | 826 | $ 289,082,000 | $ 349,978 | $ 123,000 |
| Denver-Aurora-Broomfield, CO | 743 | $ 156,348,000 | $ 210,427 | $ 102,000 |
| Wichita, KS | 672 | $ 72,306,000 | $ 107,598 | $ 76,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 598 | $ 233,931,000 | $ 391,188 | $ 164,000 |
| Albuquerque, NM | 464 | $ 78,739,000 | $ 169,696 | $ 97,000 |
| Kansas City, MO-KS | 452 | $ 68,114,000 | $ 150,694 | $ 97,407 |
| Santa Ana-Anaheim-Irvine, CA | 446 | $ 187,369,000 | $ 420,109 | $ 206,000 |
| San Francisco-San Mateo-Redwood City, CA | 427 | $ 243,385,000 | $ 569,988 | $ 215,000 |
| Des Moines-West Des Moines, IA | 368 | $ 40,442,000 | $ 109,896 | $ 81,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 298 | $ 69,702,000 | $ 233,899 | $ 144,536 |
| Modesto, CA | 272 | $ 52,516,000 | $ 193,073 | $ 131,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 255 | $ 57,136,000 | $ 224,062 | $ 147,000 |
| Riverside-San Bernardino-Ontario, CA | 194 | $ 51,222,000 | $ 264,030 | $ 137,000 |
| Stockton, CA | 190 | $ 30,518,000 | $ 160,621 | $ 86,000 |
| San Diego-Carlsbad-San Marcos, CA | 165 | $ 71,127,000 | $ 431,072 | $ 174,000 |
| Lincoln, NE | 159 | $ 15,509,000 | $ 97,540 | $ 65,000 |
| Fresno, CA | 158 | $ 25,770,000 | $ 163,101 | $ 131,000 |
| Santa Rosa-Petaluma, CA | 156 | $ 50,132,000 | $ 321,358 | $ 134,000 |
| Tucson, AZ | 135 | $ 26,338,000 | $ 195,096 | $ 95,000 |
| Cedar Rapids, IA | 134 | $ 11,503,000 | $ 85,843 | $ 62,000 |
| Oklahoma City, OK | 121 | $ 16,099,000 | $ 133,049 | $ 87,000 |
| Phoenix-Mesa-Glendale, AZ | 121 | $ 20,822,000 | $ 172,082 | $ 176,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 112 | $ 43,704,000 | $ 390,214 | $ 194,000 |
| Boulder, CO | 95 | $ 34,868,000 | $ 367,031 | $ 140,000 |
| Chico, CA | 95 | $ 9,826,000 | $ 103,431 | $ 67,000 |
| Fort Collins-Loveland, CO | 93 | $ 19,454,000 | $ 209,182 | $ 138,000 |
| Fargo, ND-MN | 88 | $ 12,835,000 | $ 145,852 | $ 75,727 |
| Las Cruces, NM | 87 | $ 8,343,000 | $ 95,896 | $ 54,000 |
| Salt Lake City, UT | 85 | $ 29,419,000 | $ 346,105 | $ 241,000 |
| Santa Cruz-Watsonville, CA | 84 | $ 31,235,000 | $ 371,845 | $ 211,000 |
| Napa, CA | 82 | $ 38,893,000 | $ 474,304 | $ 179,000 |
| Boise City-Nampa, ID | 78 | $ 14,012,000 | $ 179,641 | $ 83,000 |
| Vallejo-Fairfield, CA | 77 | $ 15,699,000 | $ 203,883 | $ 108,000 |
| Las Vegas-Paradise, NV | 74 | $ 16,021,000 | $ 216,500 | $ 252,000 |
| Visalia-Porterville, CA | 70 | $ 9,992,000 | $ 142,742 | $ 125,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 65 | $ 16,439,000 | $ 252,907 | $ 232,000 |
| Greeley, CO | 62 | $ 13,770,000 | $ 222,096 | $ 94,000 |
| Grand Junction, CO | 57 | $ 10,977,000 | $ 192,578 | $ 81,000 |
| Reno-Sparks, NV | 51 | $ 10,806,000 | $ 211,882 | $ 162,000 |
| St. Cloud, MN | 50 | $ 7,365,000 | $ 147,300 | $ 79,000 |
| Tulsa, OK | 46 | $ 5,344,000 | $ 116,173 | $ 71,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 44 | $ 27,261,000 | $ 619,568 | $ 379,000 |
| Kennewick-Pasco-Richland, WA | 39 | $ 5,340,000 | $ 136,923 | $ 61,000 |
| La Crosse, WI-MN | 39 | $ 2,956,000 | $ 75,794 | $ 53,000 |
| Bakersfield-Delano, CA | 36 | $ 3,941,000 | $ 109,472 | $ 113,000 |
| Salinas, CA | 36 | $ 11,087,000 | $ 307,972 | $ 143,000 |
| Hanford-Corcoran, CA | 35 | $ 5,038,000 | $ 143,942 | $ 119,000 |
| Merced, CA | 35 | $ 4,046,000 | $ 115,600 | $ 97,000 |
| Sioux City, IA-NE-SD | 33 | $ 2,611,000 | $ 79,121 | $ 88,363 |
| Casper, WY | 32 | $ 4,446,000 | $ 138,937 | $ 92,000 |
| Flagstaff, AZ | 31 | $ 5,080,000 | $ 163,870 | $ 72,000 |
| Cheyenne, WY | 25 | $ 3,245,000 | $ 129,800 | $ 68,000 |
| Davenport-Moline-Rock Island, IA-IL | 22 | $ 1,713,000 | $ 77,863 | $ 71,909 |
| Iowa City, IA | 20 | $ 2,561,000 | $ 128,050 | $ 71,000 |
| Lawrence, KS | 20 | $ 3,293,000 | $ 164,650 | $ 80,000 |
| Ames, IA | 19 | $ 2,630,000 | $ 138,421 | $ 76,000 |
| San Luis Obispo-Paso Robles, CA | 19 | $ 7,273,000 | $ 382,789 | $ 551,000 |
| Yakima, WA | 18 | $ 2,830,000 | $ 157,222 | $ 100,000 |
| Carson City, NV | 14 | $ 3,073,000 | $ 219,500 | $ 147,000 |
| Madera-Chowchilla, CA | 13 | $ 1,060,000 | $ 81,538 | $ 70,000 |
| Colorado Springs, CO | 12 | $ 2,713,000 | $ 226,083 | $ 115,000 |
| Prescott, AZ | 12 | $ 1,121,000 | $ 93,416 | $ 51,000 |
| Salem, OR | 12 | $ 3,081,000 | $ 256,750 | $ 104,000 |
| Ogden-Clearfield, UT | 11 | $ 2,142,000 | $ 194,727 | $ 124,000 |
| Bend, OR | 10 | $ 3,434,000 | $ 343,400 | $ 181,000 |
| Provo-Orem, UT | 10 | $ 5,277,000 | $ 527,700 | $ 172,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 1,091,000 | $ 121,222 | $ 235,000 |
| Santa Fe, NM | 9 | $ 6,063,000 | $ 673,666 | $ 224,000 |
| Topeka, KS | 9 | $ 937,000 | $ 104,111 | $ 80,000 |
| Duluth, MN-WI | 8 | $ 1,172,000 | $ 146,500 | $ 72,250 |
| El Paso, TX | 6 | $ 323,000 | $ 53,833 | $ 49,000 |
| Pueblo, CO | 6 | $ 609,000 | $ 101,500 | $ 30,000 |
| Rapid City, SD | 6 | $ 869,000 | $ 144,833 | $ 72,000 |
| Seattle-Bellevue-Everett, WA | 5 | $ 1,009,000 | $ 201,800 | $ 79,000 |
| Waterloo-Cedar Falls, IA | 5 | $ 296,000 | $ 59,200 | $ 153,000 |
| Yuba City, CA | 5 | $ 581,000 | $ 116,200 | $ 272,000 |
| Redding, CA | 4 | $ 579,000 | $ 144,750 | $ 20,000 |
| Grand Forks, ND-MN | 3 | $ 228,000 | $ 76,000 | $ 55,000 |
| Lewiston, ID-WA | 3 | $ 359,000 | $ 119,666 | $ 74,000 |
| Manhattan, KS | 3 | $ 226,000 | $ 75,333 | $ 62,000 |
| Rochester, MN | 3 | $ 567,000 | $ 189,000 | $ 194,000 |
| Springfield, MO | 3 | $ 239,000 | $ 79,666 | $ 23,000 |
| Tacoma, WA | 3 | $ 585,000 | $ 195,000 | $ 82,000 |
| El Centro, CA | 2 | $ 119,000 | $ 59,500 | $ 187,000 |
| Eugene-Springfield, OR | 2 | $ 346,000 | $ 173,000 | $ 60,000 |
| Joplin, MO | 2 | $ 94,000 | $ 47,000 | $ 71,000 |
| Ocean City, NJ | 2 | $ 834,000 | $ 417,000 | $ 1,182,000 |
| Olympia, WA | 2 | $ 579,000 | $ 289,500 | $ 203,000 |
| Pascagoula, MS | 2 | $ 202,000 | $ 101,000 | $ 137,000 |
| Sioux Falls, SD | 2 | $ 71,000 | $ 35,500 | $ 40,000 |
| St. George, UT | 2 | $ 671,000 | $ 335,500 | $ 119,000 |
| Yuma, AZ | 2 | $ 403,000 | $ 201,500 | $ 71,000 |
| Ann Arbor, MI | 1 | $ 108,000 | $ 108,000 | $ 61,000 |
| Austin-Round Rock-San Marcos, TX | 1 | $ 337,000 | $ 337,000 | $ 161,000 |
| Bellingham, WA | 1 | $ 341,000 | $ 341,000 | $ 195,000 |
| Bismarck, ND | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Coeur D'Alene, ID | 1 | $ 893,000 | $ 893,000 | $ 309,000 |
| Corvallis, OR | 1 | $ 116,000 | $ 116,000 | $ 57,000 |
| Dallas-Plano-Irving, TX | 1 | $ 405,000 | $ 405,000 | $ 409,000 |
| Farmington, NM | 1 | $ 209,000 | $ 209,000 | $ 73,000 |
| Fort Smith, AR-OK | 1 | $ 10,000 | $ 10,000 | $ 117,000 |
| Gary, IN | 1 | $ 47,000 | $ 47,000 | $ 0 |
| Honolulu, HI | 1 | $ 201,000 | $ 201,000 | $ 410,000 |
| Houston-Sugar Land-Baytown, TX | 1 | $ 326,000 | $ 326,000 | $ 117,000 |
| Idaho Falls, ID | 1 | $ 135,000 | $ 135,000 | $ 46,000 |
| Janesville, WI | 1 | $ 5,000 | $ 5,000 | $ 49,000 |
| Jefferson City, MO | 1 | $ 101,000 | $ 101,000 | $ 124,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 104,000 | $ 104,000 | $ 133,000 |
| Lakeland-Winter Haven, FL | 1 | $ 168,000 | $ 168,000 | $ 204,000 |
| Lansing-East Lansing, MI | 1 | $ 35,000 | $ 35,000 | $ 63,000 |
| Lawton, OK | 1 | $ 120,000 | $ 120,000 | $ 119,000 |
| Longview, WA | 1 | $ 77,000 | $ 77,000 | $ 96,000 |
| Medford, OR | 1 | $ 168,000 | $ 168,000 | $ 39,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 73,000 | $ 73,000 | $ 53,000 |
| Portland-South Portland-Biddeford, ME | 1 | $ 41,000 | $ 41,000 | $ 39,000 |
| San Antonio-New Braunfels, TX | 1 | $ 73,000 | $ 73,000 | $ 25,000 |
| Spokane, WA | 1 | $ 300,000 | $ 300,000 | $ 98,000 |
| Tampa-St. Petersburg-Clearwater, FL | 1 | $ 400,000 | $ 400,000 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 330,000 | $ 330,000 | $ 164,000 |
Mortgage Loan Application Detail Totals for Bank of the West in 2010
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 | 8,980 | $2,331,774,000 | $259,000 | $7,000,000 | $130,000 | $9,999,000 |
| Home Purchase | 5,513 | $1,204,081,000 | $218,000 | $5,500,000 | $120,000 | $9,999,000 |
| Home Improvement | 2,335 | $152,491,000 | $65,000 | $3,000,000 | $71,000 | $1,523,000 |
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 | 11,904 | $2,482,090,000 | $208,000 | $5,250,000 | $118,000 | $9,999,000 |
| Not Provided | 1,688 | $474,363,000 | $281,000 | $7,000,000 | $151,000 | $9,999,000 |
| Hispanic | 1,583 | $225,892,000 | $142,000 | $1,500,000 | $76,000 | $4,879,000 |
| Asian | 1,145 | $404,913,000 | $353,000 | $5,500,000 | $154,000 | $3,025,000 |
| Black or African American | 265 | $36,678,000 | $138,000 | $750,000 | $89,000 | $2,280,000 |
| American Indian or Alaskan Native | 105 | $8,874,000 | $84,000 | $829,000 | $58,000 | $314,000 |
| Native Hawaiian or Other Pacific Islander | 78 | $20,479,000 | $262,000 | $1,000,000 | $124,000 | $673,000 |
| Not applicable | 60 | $35,057,000 | $584,000 | $2,700,000 | $0 | $0 |
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) | 14,143 | $3,273,751,000 | $231,000 | $7,000,000 | $130,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 2,315 | $355,903,000 | $153,000 | $746,000 | $60,000 | $1,100,000 |
| VA-guaranteed (Veterans Administration) | 294 | $49,276,000 | $167,000 | $568,000 | $59,000 | $172,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 76 | $9,416,000 | $123,000 | $332,000 | $41,000 | $101,000 |
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 | 9,017 | $2,095,661,000 | $232,000 | $5,250,000 | $128,000 | $9,999,000 |
| Application Denied By Financial Institution | 4,734 | $948,900,000 | $200,000 | $7,000,000 | $109,000 | $9,199,000 |
| Application Approved But Not Accepted | 1,276 | $299,679,000 | $234,000 | $5,500,000 | $131,000 | $9,999,000 |
| Preapproval Denied by Financial Institution | 1,223 | $187,491,000 | $153,000 | $1,575,000 | $63,000 | $1,804,000 |
| Application Withdrawn By Applicant | 576 | $156,541,000 | $271,000 | $2,400,000 | $139,000 | $2,173,000 |
| Loan Purchased By The Institution | 2 | $74,000 | $37,000 | $47,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 2,320 | $248,577,000 | $107,000 | $4,000,000 | $70,000 | $2,665,000 |
| Debt-To-Income Ratio | 1,543 | $358,033,000 | $232,000 | $2,328,000 | $68,000 | $1,173,000 |
| Collateral | 1,294 | $329,754,000 | $254,000 | $5,000,000 | $169,000 | $9,199,000 |
| Credit Application Incomplete | 339 | $65,565,000 | $193,000 | $7,000,000 | $112,000 | $3,866,000 |
| Other | 218 | $66,883,000 | $306,000 | $3,000,000 | $171,000 | $2,492,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 93 | $30,294,000 | $325,000 | $2,700,000 | $134,000 | $1,705,000 |
| Employment History | 65 | $9,934,000 | $152,000 | $1,250,000 | $56,000 | $430,000 |
| Unverifiable Information | 52 | $19,999,000 | $384,000 | $2,800,000 | $218,000 | $4,879,000 |
| Mortgage Insurance Denied | 26 | $4,781,000 | $183,000 | $468,000 | $94,000 | $378,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2010 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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