Bank Of The West
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Bank Of The West 2006 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 | 25,818 |
| Total Mortgage Loan Application Amount | $2,914,673,000 |
| Average Mortgage Loan Application Amount | $105,666 |
| Highest Mortgage Loan Application Amount | $5,320,000 |
| Average Applicant Income | $77,666 |
| Highest Applicant Income | $8,537,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 1,873 | $ 142,578,000 | $ 68,000 | $ 69,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 1,380 | $ 251,007,000 | $ 181,000 | $ 106,000 |
| WICHITA, KS | 1,343 | $ 92,155,000 | $ 68,000 | $ 64,000 |
| DENVER-AURORA, CO | 1,187 | $ 118,023,000 | $ 99,000 | $ 82,000 |
| DES MOINES-WEST DES MOINES, IA | 869 | $ 60,299,000 | $ 69,000 | $ 71,000 |
| OAKLAND-FREMONT-HAYWARD, CA | 798 | $ 130,078,000 | $ 163,000 | $ 96,000 |
| KANSAS CITY, MO-KS | 750 | $ 61,019,000 | $ 79,500 | $ 78,000 |
| ALBUQUERQUE, NM | 684 | $ 57,548,000 | $ 84,000 | $ 63,000 |
| SANTA ANA-ANAHEIM-IRVINE, CA | 591 | $ 107,106,000 | $ 181,000 | $ 116,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 521 | $ 81,776,000 | $ 156,000 | $ 105,000 |
| MODESTO, CA | 514 | $ 58,822,000 | $ 114,000 | $ 82,000 |
| STOCKTON, CA | 461 | $ 62,791,000 | $ 136,000 | $ 85,000 |
| SACRAMENTO--ARDEN-ARCADE--ROSEVILLE, CA | 446 | $ 74,107,000 | $ 166,000 | $ 112,000 |
| PORTLAND-VANCOUVER-BEAVERTON, OR-WA | 425 | $ 52,377,000 | $ 166,500 | $ 124,500 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 412 | $ 69,449,000 | $ 168,000 | $ 101,000 |
| OKLAHOMA CITY, OK | 383 | $ 33,008,000 | $ 86,000 | $ 71,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 378 | $ 60,334,000 | $ 159,000 | $ 84,000 |
| CEDAR RAPIDS, IA | 333 | $ 19,263,000 | $ 57,000 | $ 64,000 |
| LINCOLN, NE | 330 | $ 27,332,000 | $ 82,000 | $ 70,000 |
| FRESNO, CA | 238 | $ 23,224,000 | $ 97,000 | $ 71,000 |
| SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA | 237 | $ 60,107,000 | $ 253,000 | $ 138,000 |
| TUCSON, AZ | 233 | $ 34,314,000 | $ 147,000 | $ 79,000 |
| LAS CRUCES, NM | 210 | $ 19,557,000 | $ 93,000 | $ 57,000 |
| SAN DIEGO-CARLSBAD-SAN MARCOS, CA | 196 | $ 49,154,000 | $ 250,000 | $ 155,000 |
| CHICO, CA | 174 | $ 16,251,000 | $ 93,000 | $ 66,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 173 | $ 29,578,000 | $ 170,000 | $ 94,000 |
| VISALIA-PORTERVILLE, CA | 164 | $ 15,661,000 | $ 95,000 | $ 87,000 |
| VALLEJO-FAIRFIELD, CA | 162 | $ 21,246,000 | $ 131,000 | $ 82,000 |
| FARGO, ND-MN | 155 | $ 16,323,000 | $ 103,000 | $ 61,000 |
| BAKERSFIELD, CA | 154 | $ 18,988,000 | $ 123,000 | $ 87,000 |
| LAS VEGAS-PARADISE, NV | 151 | $ 26,895,000 | $ 178,000 | $ 143,000 |
| SANTA ROSA-PETALUMA, CA | 146 | $ 18,092,000 | $ 123,000 | $ 115,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 145 | $ 18,024,000 | $ 82,000 | $ 64,500 |
| GRAND JUNCTION, CO | 127 | $ 18,791,000 | $ 147,000 | $ 79,000 |
| FORT COLLINS-LOVELAND, CO | 126 | $ 14,122,000 | $ 112,000 | $ 73,000 |
| TULSA, OK | 119 | $ 8,029,000 | $ 67,000 | $ 68,000 |
| GREELEY, CO | 115 | $ 10,184,000 | $ 88,000 | $ 70,000 |
| HANFORD-CORCORAN, CA | 103 | $ 7,061,000 | $ 68,000 | $ 70,000 |
| SALT LAKE CITY, UT | 103 | $ 18,758,000 | $ 182,000 | $ 137,000 |
| RENO-SPARKS, NV | 102 | $ 15,715,000 | $ 154,000 | $ 121,000 |
| CHEYENNE, WY | 94 | $ 9,291,000 | $ 98,000 | $ 63,000 |
| CASPER, WY | 88 | $ 9,780,000 | $ 111,000 | $ 60,000 |
| BOISE CITY-NAMPA, ID | 83 | $ 9,079,000 | $ 109,000 | $ 60,000 |
| IOWA CITY, IA | 80 | $ 5,123,000 | $ 64,000 | $ 66,000 |
| BOULDER, CO | 79 | $ 15,648,000 | $ 198,000 | $ 107,000 |
| KENNEWICK-RICHLAND-PASCO, WA | 73 | $ 6,234,000 | $ 85,000 | $ 73,000 |
| NAPA, CA | 72 | $ 10,132,000 | $ 140,000 | $ 87,000 |
| LAWRENCE, KS | 57 | $ 5,424,000 | $ 95,000 | $ 67,000 |
| SIOUX CITY, IA-NE-SD | 55 | $ 3,052,000 | $ 61,666 | $ 59,333 |
| LA CROSSE, WI-MN | 50 | $ 3,294,000 | $ 65,000 | $ 66,000 |
| SANTA BARBARA-SANTA MARIA, CA | 47 | $ 12,427,000 | $ 264,000 | $ 169,000 |
| ST. CLOUD, MN | 47 | $ 4,552,000 | $ 96,000 | $ 74,000 |
| SANTA CRUZ-WATSONVILLE, CA | 45 | $ 10,317,000 | $ 229,000 | $ 154,000 |
| AMES, IA | 43 | $ 2,301,000 | $ 53,000 | $ 60,000 |
| SALINAS, CA | 41 | $ 8,150,000 | $ 198,000 | $ 141,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 40 | $ 1,634,000 | $ 60,000 | $ 73,000 |
| YAKIMA, WA | 28 | $ 4,359,000 | $ 155,000 | $ 104,000 |
| MERCED, CA | 27 | $ 2,954,000 | $ 109,000 | $ 89,000 |
| CARSON CITY, NV | 26 | $ 3,224,000 | $ 124,000 | $ 104,000 |
| OGDEN-CLEARFIELD, UT | 24 | $ 4,091,000 | $ 170,000 | $ 119,000 |
| FLAGSTAFF, AZ | 23 | $ 2,505,000 | $ 108,000 | $ 85,000 |
| ATLANTA-SANDY SPRINGS-MARIETTA, GA | 20 | $ 9,402,000 | $ 470,000 | $ 181,000 |
| COLORADO SPRINGS, CO | 19 | $ 3,469,000 | $ 182,000 | $ 119,000 |
| TOPEKA, KS | 19 | $ 3,334,000 | $ 175,000 | $ 69,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 17 | $ 11,586,000 | $ 681,000 | $ 249,000 |
| YUBA CITY, CA | 17 | $ 1,854,000 | $ 109,000 | $ 76,000 |
| PRESCOTT, AZ | 16 | $ 2,689,000 | $ 168,000 | $ 78,000 |
| EL PASO, TX | 15 | $ 1,089,000 | $ 72,000 | $ 70,000 |
| MADERA, CA | 15 | $ 3,069,000 | $ 204,000 | $ 169,000 |
| PUEBLO, CO | 13 | $ 517,000 | $ 39,000 | $ 48,000 |
| SALEM, OR | 13 | $ 1,575,000 | $ 121,000 | $ 68,000 |
| SANTA FE, NM | 13 | $ 2,604,000 | $ 200,000 | $ 110,000 |
| ST. LOUIS, MO-IL | 12 | $ 1,267,000 | $ 106,000 | $ 97,500 |
| NEW YORK-WHITE PLAINS-WAYNE, NY-NJ | 9 | $ 5,545,000 | $ 424,000 | $ 225,000 |
| HOUSTON-SUGAR LAND-BAYTOWN, TX | 8 | $ 2,498,000 | $ 312,000 | $ 147,000 |
| ORLANDO-KISSIMMEE, FL | 8 | $ 4,291,000 | $ 536,000 | $ 221,000 |
| CHICAGO-NAPERVILLE-JOLIET, IL | 7 | $ 2,084,000 | $ 297,000 | $ 95,000 |
| SAN LUIS OBISPO-PASO ROBLES, CA | 7 | $ 2,026,000 | $ 289,000 | $ 165,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 7 | $ 3,162,000 | $ 433,000 | $ 118,500 |
| WATERLOO-CEDAR FALLS, IA | 7 | $ 353,000 | $ 50,000 | $ 60,000 |
| CAPE CORAL-FORT MYERS, FL | 6 | $ 2,719,000 | $ 453,000 | $ 578,000 |
| DULUTH, MN-WI | 6 | $ 483,000 | $ 106,500 | $ 66,000 |
| PROVO-OREM, UT | 6 | $ 4,828,000 | $ 804,000 | $ 1,166,000 |
| WEST PALM BEACH-BOCA RATON-BOYNTON BEACH, FL | 6 | $ 2,470,000 | $ 411,000 | $ 394,000 |
| AUSTIN-ROUND ROCK, TX | 5 | $ 1,142,000 | $ 228,000 | $ 94,000 |
| DALLAS-PLANO-IRVING, TX | 5 | $ 2,278,000 | $ 455,000 | $ 146,000 |
| FARMINGTON, NM | 5 | $ 450,000 | $ 90,000 | $ 63,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 5 | $ 2,326,000 | $ 465,000 | $ 157,000 |
| FORT WORTH-ARLINGTON, TX | 5 | $ 1,147,000 | $ 229,000 | $ 198,000 |
| JACKSONVILLE, FL | 5 | $ 1,647,000 | $ 329,000 | $ 248,000 |
| RAPID CITY, SD | 5 | $ 789,000 | $ 157,000 | $ 86,000 |
| YUMA, AZ | 5 | $ 1,069,000 | $ 213,000 | $ 88,000 |
| SAN ANTONIO, TX | 4 | $ 2,244,000 | $ 561,000 | $ 275,000 |
| SIOUX FALLS, SD | 4 | $ 546,000 | $ 136,000 | $ 84,000 |
| ST. JOSEPH, MO-KS | 4 | $ 136,000 | $ 33,500 | $ 79,500 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 4 | $ 1,832,000 | $ 458,000 | $ 322,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 4 | $ 655,000 | $ 163,000 | $ 188,000 |
| BEND, OR | 3 | $ 280,000 | $ 93,000 | $ 63,000 |
| BISMARCK, ND | 3 | $ 127,000 | $ 42,000 | $ 61,000 |
| LAKELAND, FL | 3 | $ 845,000 | $ 281,000 | $ 139,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 3 | $ 945,000 | $ 315,000 | $ 73,000 |
| SPOKANE, WA | 3 | $ 178,000 | $ 59,000 | $ 44,000 |
| ST. GEORGE, UT | 3 | $ 1,030,000 | $ 343,000 | $ 365,000 |
| TACOMA, WA | 3 | $ 953,000 | $ 317,000 | $ 81,000 |
| AMARILLO, TX | 2 | $ 284,000 | $ 142,000 | $ 45,000 |
| BETHESDA-GAITHERSBURG-FREDERICK, MD | 2 | $ 1,137,000 | $ 568,000 | $ 120,000 |
| BILLINGS, MT | 2 | $ 220,000 | $ 110,000 | $ 96,000 |
| BIRMINGHAM-HOOVER, AL | 2 | $ 1,165,000 | $ 582,000 | $ 193,000 |
| CORVALLIS, OR | 2 | $ 306,000 | $ 153,000 | $ 102,000 |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL | 2 | $ 556,000 | $ 278,000 | $ 115,000 |
| HUNTSVILLE, AL | 2 | $ 1,222,000 | $ 611,000 | $ 148,000 |
| JOPLIN, MO | 2 | $ 83,000 | $ 41,000 | $ 53,000 |
| LOGAN, UT-ID | 2 | $ 104,000 | $ 52,000 | $ 97,000 |
| MEDFORD, OR | 2 | $ 431,000 | $ 215,000 | $ 57,000 |
| MONTGOMERY, AL | 2 | $ 963,000 | $ 481,000 | $ 210,000 |
| NEWARK-UNION, NJ-PA | 2 | $ 1,070,000 | $ 535,000 | $ 128,000 |
| PHILADELPHIA, PA | 2 | $ 1,007,000 | $ 503,000 | $ 112,000 |
| POCATELLO, ID | 2 | $ 130,000 | $ 65,000 | $ 55,000 |
| RICHMOND, VA | 2 | $ 844,000 | $ 422,000 | $ 171,000 |
| SARASOTA-BRADENTON-VENICE, FL | 2 | $ 768,000 | $ 384,000 | $ 500,000 |
| AKRON, OH | 1 | $ 109,000 | $ 109,000 | $ 80,000 |
| ANDERSON, SC | 1 | $ 579,000 | $ 579,000 | $ 175,000 |
| ANN ARBOR, MI | 1 | $ 188,000 | $ 188,000 | $ 70,000 |
| BALTIMORE-TOWSON, MD | 1 | $ 230,000 | $ 230,000 | $ 142,000 |
| BATON ROUGE, LA | 1 | $ 446,000 | $ 446,000 | $ 225,000 |
| BELLINGHAM, WA | 1 | $ 417,000 | $ 417,000 | $ 432,000 |
| BOSTON-QUINCY, MA | 1 | $ 360,000 | $ 360,000 | $ 94,000 |
| BREMERTON-SILVERDALE, WA | 1 | $ 213,000 | $ 213,000 | $ 383,000 |
| CAMDEN, NJ | 1 | $ 151,000 | $ 151,000 | $ 102,000 |
| CHARLOTTE-GASTONIA-CONCORD, NC-SC | 1 | $ 162,000 | $ 162,000 | $ 47,000 |
| CHATTANOOGA, TN-GA | 1 | $ 548,000 | $ 548,000 | $ 111,000 |
| CINCINNATI-MIDDLETOWN, OH-KY-IN | 1 | $ 419,000 | $ 419,000 | $ 495,000 |
| CLEVELAND-ELYRIA-MENTOR, OH | 1 | $ 417,000 | $ 417,000 | $ 157,000 |
| COLUMBIA, MO | 1 | $ 95,000 | $ 95,000 | $ 140,000 |
| COLUMBUS, OH | 1 | $ 186,000 | $ 186,000 | $ 93,000 |
| DETROIT-LIVONIA-DEARBORN, MI | 1 | $ 136,000 | $ 136,000 | $ 86,000 |
| DOVER, DE | 1 | $ 100,000 | $ 100,000 | $ 24,000 |
| DUBUQUE, IA | 1 | $ 32,000 | $ 32,000 | $ 31,000 |
| EDISON, NJ | 1 | $ 519,000 | $ 519,000 | $ 148,000 |
| EL CENTRO, CA | 1 | $ 50,000 | $ 50,000 | $ 89,000 |
| ELIZABETHTOWN, KY | 1 | $ 509,000 | $ 509,000 | $ 132,000 |
| EUGENE-SPRINGFIELD, OR | 1 | $ 478,000 | $ 478,000 | $ 100,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 1 | $ 153,000 | $ 153,000 | $ 66,000 |
| FORT SMITH, AR-OK | 1 | $ 50,000 | $ 50,000 | $ 12,000 |
| GRAND FORKS, ND-MN | 1 | $ 94,000 | $ 94,000 | $ 41,000 |
| HATTIESBURG, MS | 1 | $ 911,000 | $ 911,000 | $ 251,000 |
| HONOLULU, HI | 1 | $ 684,000 | $ 684,000 | $ 141,000 |
| INDIANAPOLIS-CARMEL, IN | 1 | $ 191,000 | $ 191,000 | $ 69,000 |
| JACKSON, MS | 1 | $ 496,000 | $ 496,000 | $ 126,000 |
| JEFFERSON CITY, MO | 1 | $ 25,000 | $ 25,000 | $ 67,000 |
| KILLEEN-TEMPLE-FORT HOOD, TX | 1 | $ 302,000 | $ 302,000 | $ 34,000 |
| LAWTON, OK | 1 | $ 10,000 | $ 10,000 | $ 24,000 |
| LONGVIEW, TX | 1 | $ 800,000 | $ 800,000 | $ 406,000 |
| LONGVIEW, WA | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| MEMPHIS, TN-MS-AR | 1 | $ 168,000 | $ 168,000 | $ 111,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 1 | $ 433,000 | $ 433,000 | $ 176,000 |
| MONROE, MI | 1 | $ 107,000 | $ 107,000 | $ 34,000 |
| MOUNT VERNON-ANACORTES, WA | 1 | $ 312,000 | $ 312,000 | $ 70,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO, TN | 1 | $ 487,000 | $ 487,000 | $ 123,000 |
| NASSAU-SUFFOLK, NY | 1 | $ 228,000 | $ 228,000 | $ 105,000 |
| OLYMPIA, WA | 1 | $ 300,000 | $ 300,000 | $ 134,000 |
| PENSACOLA-FERRY PASS-BRENT, FL | 1 | $ 537,000 | $ 537,000 | $ 143,000 |
| PORTLAND-SOUTH PORTLAND-BIDDEFORD, ME | 1 | $ 600,000 | $ 600,000 | $ 195,000 |
| REDDING, CA | 1 | $ 293,000 | $ 293,000 | $ 261,000 |
| ROCKFORD, IL | 1 | $ 168,000 | $ 168,000 | $ 331,000 |
| ROME, GA | 1 | $ 562,000 | $ 562,000 | $ 240,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 419,000 | $ 419,000 | $ 148,000 |
| TOLEDO, OH | 1 | $ 128,000 | $ 128,000 | $ 101,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 1 | $ 578,000 | $ 578,000 | $ 173,000 |
| WACO, TX | 1 | $ 507,000 | $ 507,000 | $ 159,000 |
| WARNER ROBINS, GA | 1 | $ 168,000 | $ 168,000 | $ 93,000 |
| WENATCHEE, WA | 1 | $ 578,000 | $ 578,000 | $ 284,000 |
| WINSTON-SALEM, NC | 1 | $ 129,000 | $ 129,000 | $ 71,000 |
| WORCESTER, MA | 1 | $ 173,000 | $ 173,000 | $ 48,000 |
| YORK-HANOVER, PA | 1 | $ 113,000 | $ 113,000 | $ 97,000 |
Mortgage Loan Application Detail Totals for Bank Of The West in 2006
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 | 10,906 | $1,392,239,000 | $127,000 | $4,596,000 | $82,000 | $6,120,000 |
| Home Purchase | 8,753 | $1,174,297,000 | $134,000 | $5,320,000 | $74,000 | $8,537,000 |
| Home Improvement | 6,159 | $348,137,000 | $56,000 | $2,000,000 | $77,000 | $2,100,000 |
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 | 15,747 | $1,539,827,000 | $97,000 | $5,320,000 | $74,000 | $5,400,000 |
| Not Provided | 3,399 | $297,301,000 | $87,000 | $3,630,000 | $90,000 | $6,120,000 |
| Hispanic | 2,998 | $294,062,000 | $98,000 | $1,260,000 | $60,000 | $913,000 |
| Not applicable | 2,095 | $590,182,000 | $281,000 | $3,426,000 | $110,000 | $8,537,000 |
| Asian | 716 | $110,711,000 | $154,000 | $2,000,000 | $102,000 | $2,100,000 |
| Black or African American | 607 | $57,826,000 | $95,000 | $1,300,000 | $59,000 | $816,000 |
| American Indian or Alaskan Native | 156 | $13,211,000 | $84,000 | $855,000 | $61,000 | $206,000 |
| Native Hawaiian or Other Pacific Islander | 100 | $11,553,000 | $115,000 | $593,000 | $79,000 | $313,000 |
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) | 24,632 | $2,793,792,000 | $113,000 | $5,320,000 | $80,000 | $8,537,000 |
| FHA-insured (Federal Housing Administration) | 875 | $86,003,000 | $98,000 | $247,000 | $40,000 | $288,000 |
| VA-guaranteed (Veterans Administration) | 246 | $30,450,000 | $123,000 | $397,000 | $49,000 | $139,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 65 | $4,428,000 | $68,000 | $203,000 | $28,000 | $78,000 |
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 | 14,475 | $1,395,719,000 | $96,000 | $5,320,000 | $80,000 | $4,345,000 |
| Application Denied By Financial Institution | 6,002 | $483,116,000 | $80,000 | $3,720,000 | $69,000 | $6,120,000 |
| Loan Purchased By The Institution | 2,068 | $571,191,000 | $276,000 | $3,426,000 | $112,000 | $8,537,000 |
| Preapproval Denied by Financial Institution | 1,875 | $188,455,000 | $100,000 | $2,680,000 | $43,000 | $2,030,000 |
| Application Approved But Not Accepted | 1,030 | $190,397,000 | $184,000 | $3,052,000 | $86,000 | $1,780,000 |
| Application Withdrawn By Applicant | 368 | $85,795,000 | $233,000 | $2,000,000 | $110,000 | $1,500,000 |
| 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 | 3,791 | $277,796,000 | $73,000 | $3,720,000 | $60,000 | $6,120,000 |
| Debt-To-Income Ratio | 2,349 | $234,271,000 | $99,000 | $3,100,000 | $55,000 | $737,000 |
| Collateral | 674 | $57,225,000 | $84,000 | $1,220,000 | $89,000 | $1,400,000 |
| Other | 626 | $55,617,000 | $88,000 | $750,000 | $83,000 | $3,488,000 |
| Credit Application Incomplete | 155 | $17,332,000 | $111,000 | $560,000 | $89,000 | $390,000 |
| Employment History | 140 | $8,951,000 | $63,000 | $444,000 | $50,000 | $310,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 54 | $10,788,000 | $199,000 | $1,120,000 | $74,000 | $360,000 |
| Unverifiable Information | 22 | $3,490,000 | $158,000 | $489,000 | $103,000 | $552,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The West's 2006 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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