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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 1,872 | $ 140,953,000 | $ 75,295 | $ 69,000 |
| Denver-Aurora, CO | 1,732 | $ 233,430,000 | $ 134,774 | $ 93,000 |
| Wichita, KS | 1,614 | $ 112,452,000 | $ 69,672 | $ 71,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,264 | $ 325,674,000 | $ 257,653 | $ 126,000 |
| Albuquerque, NM | 1,022 | $ 97,930,000 | $ 95,821 | $ 69,000 |
| Oakland-Fremont-Hayward, CA | 882 | $ 241,824,000 | $ 274,176 | $ 116,000 |
| Des Moines-West Des Moines, IA | 833 | $ 49,668,000 | $ 59,625 | $ 76,000 |
| Kansas City, MO-KS | 830 | $ 66,258,000 | $ 79,828 | $ 85,262 |
| Portland-Vancouver-Beaverton, OR-WA | 627 | $ 113,702,000 | $ 181,342 | $ 90,387 |
| San Jose-Sunnyvale-Santa Clara, CA | 552 | $ 133,969,000 | $ 242,697 | $ 114,000 |
| Santa Ana-Anaheim-Irvine, CA | 525 | $ 144,356,000 | $ 274,963 | $ 132,000 |
| Stockton, CA | 482 | $ 71,856,000 | $ 149,078 | $ 90,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 452 | $ 89,525,000 | $ 198,064 | $ 99,000 |
| Modesto, CA | 450 | $ 66,026,000 | $ 146,724 | $ 87,000 |
| Phoenix-Mesa-Scottsdale, AZ | 437 | $ 86,020,000 | $ 196,842 | $ 91,000 |
| Oklahoma City, OK | 405 | $ 27,069,000 | $ 66,837 | $ 80,000 |
| Riverside-San Bernardino-Ontario, CA | 333 | $ 70,646,000 | $ 212,150 | $ 106,000 |
| Lincoln, NE | 328 | $ 23,397,000 | $ 71,332 | $ 81,000 |
| San Francisco-San Mateo-Redwood City, CA | 299 | $ 114,737,000 | $ 383,735 | $ 151,000 |
| Fresno, CA | 272 | $ 36,098,000 | $ 132,713 | $ 85,000 |
| Las Cruces, NM | 253 | $ 23,618,000 | $ 93,351 | $ 62,000 |
| Cedar Rapids, IA | 246 | $ 13,735,000 | $ 55,833 | $ 72,000 |
| San Diego-Carlsbad-San Marcos, CA | 237 | $ 74,497,000 | $ 314,333 | $ 103,000 |
| Tucson, AZ | 233 | $ 40,803,000 | $ 175,120 | $ 109,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 188 | $ 32,043,000 | $ 170,441 | $ 99,297 |
| Las Vegas-Paradise, NV | 179 | $ 58,307,000 | $ 325,737 | $ 180,000 |
| Salt Lake City, UT | 172 | $ 34,068,000 | $ 198,069 | $ 96,000 |
| Boise City-Nampa, ID | 168 | $ 25,682,000 | $ 152,869 | $ 76,000 |
| Fargo, ND-MN | 155 | $ 14,713,000 | $ 94,922 | $ 60,561 |
| Vallejo-Fairfield, CA | 152 | $ 28,382,000 | $ 186,723 | $ 91,000 |
| Fort Collins-Loveland, CO | 145 | $ 19,589,000 | $ 135,096 | $ 89,000 |
| Bakersfield, CA | 144 | $ 20,692,000 | $ 143,694 | $ 94,000 |
| Greeley, CO | 143 | $ 13,583,000 | $ 94,986 | $ 86,000 |
| Boulder, CO | 142 | $ 25,625,000 | $ 180,457 | $ 102,000 |
| Chico, CA | 138 | $ 14,002,000 | $ 101,463 | $ 66,000 |
| Grand Junction, CO | 138 | $ 15,457,000 | $ 112,007 | $ 77,000 |
| Visalia-Porterville, CA | 133 | $ 16,157,000 | $ 121,481 | $ 77,000 |
| Santa Rosa-Petaluma, CA | 130 | $ 26,072,000 | $ 200,553 | $ 103,000 |
| Tulsa, OK | 129 | $ 8,435,000 | $ 65,387 | $ 67,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 108 | $ 27,714,000 | $ 256,611 | $ 97,000 |
| Iowa City, IA | 99 | $ 7,951,000 | $ 80,313 | $ 73,000 |
| Kennewick-Richland-Pasco, WA | 98 | $ 9,612,000 | $ 98,081 | $ 71,000 |
| Cheyenne, WY | 97 | $ 8,710,000 | $ 89,793 | $ 57,000 |
| Casper, WY | 89 | $ 11,138,000 | $ 125,146 | $ 68,000 |
| Newark-Union, NJ-PA | 81 | $ 44,685,000 | $ 551,666 | $ 7,592 |
| Edison, NJ | 79 | $ 40,085,000 | $ 507,405 | $ 12,000 |
| Hanford-Corcoran, CA | 70 | $ 6,939,000 | $ 99,128 | $ 88,000 |
| Salinas, CA | 66 | $ 16,464,000 | $ 249,454 | $ 69,000 |
| Ames, IA | 60 | $ 4,069,000 | $ 67,816 | $ 68,000 |
| Sioux City, IA-NE-SD | 60 | $ 2,644,000 | $ 44,066 | $ 58,550 |
| Napa, CA | 57 | $ 8,354,000 | $ 146,561 | $ 84,000 |
| Reno-Sparks, NV | 57 | $ 12,790,000 | $ 224,385 | $ 120,000 |
| La Crosse, WI-MN | 56 | $ 4,888,000 | $ 87,285 | $ 53,607 |
| Seattle-Bellevue-Everett, WA | 52 | $ 31,311,000 | $ 602,134 | $ 80,000 |
| Davenport-Moline-Rock Island, IA-IL | 47 | $ 2,066,000 | $ 43,957 | $ 62,191 |
| Santa Cruz-Watsonville, CA | 47 | $ 13,886,000 | $ 295,446 | $ 118,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 45 | $ 25,837,000 | $ 574,155 | $ 232,888 |
| Salem, OR | 43 | $ 4,425,000 | $ 102,906 | $ 59,000 |
| Ogden-Clearfield, UT | 42 | $ 11,932,000 | $ 284,095 | $ 107,000 |
| New York-White Plains-Wayne, NY-NJ | 41 | $ 22,853,000 | $ 557,390 | $ 48,804 |
| Santa Barbara-Santa Maria-Goleta, CA | 38 | $ 12,021,000 | $ 316,342 | $ 125,000 |
| Merced, CA | 36 | $ 7,490,000 | $ 208,055 | $ 190,000 |
| Flagstaff, AZ | 34 | $ 3,868,000 | $ 113,764 | $ 75,000 |
| St. Cloud, MN | 34 | $ 3,673,000 | $ 108,029 | $ 70,000 |
| Lawrence, KS | 33 | $ 3,862,000 | $ 117,030 | $ 88,000 |
| Yakima, WA | 31 | $ 2,567,000 | $ 82,806 | $ 56,000 |
| Prescott, AZ | 30 | $ 3,089,000 | $ 102,966 | $ 59,000 |
| Atlanta-Sandy Springs-Marietta, GA | 29 | $ 16,004,000 | $ 551,862 | $ 127,000 |
| Philadelphia, PA | 28 | $ 14,949,000 | $ 533,892 | $ 28,000 |
| Colorado Springs, CO | 25 | $ 5,143,000 | $ 205,720 | $ 93,000 |
| Chicago-Naperville-Joliet, IL | 24 | $ 14,674,000 | $ 611,416 | $ 194,000 |
| Carson City, NV | 20 | $ 2,951,000 | $ 147,550 | $ 118,000 |
| Dallas-Plano-Irving, TX | 19 | $ 6,602,000 | $ 347,473 | $ 145,000 |
| Provo-Orem, UT | 18 | $ 6,249,000 | $ 347,166 | $ 204,000 |
| Pueblo, CO | 17 | $ 871,000 | $ 51,235 | $ 59,000 |
| Bethesda-Gaithersburg-Frederick, MD | 16 | $ 9,762,000 | $ 610,125 | $ 211,000 |
| Santa Fe, NM | 16 | $ 4,609,000 | $ 288,062 | $ 76,000 |
| Yuba City, CA | 16 | $ 2,164,000 | $ 135,250 | $ 74,000 |
| Topeka, KS | 15 | $ 1,366,000 | $ 91,066 | $ 61,000 |
| Baltimore-Towson, MD | 14 | $ 8,616,000 | $ 615,428 | $ 126,000 |
| Duluth, MN-WI | 14 | $ 1,021,000 | $ 72,928 | $ 73,642 |
| El Paso, TX | 14 | $ 1,204,000 | $ 86,000 | $ 90,000 |
| Houston-Sugar Land-Baytown, TX | 14 | $ 9,078,000 | $ 648,428 | $ 136,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 2,345,000 | $ 195,416 | $ 179,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 7,264,000 | $ 605,333 | $ 111,000 |
| San Luis Obispo-Paso Robles, CA | 11 | $ 4,900,000 | $ 445,454 | $ 155,000 |
| Sioux Falls, SD | 11 | $ 1,712,000 | $ 155,636 | $ 65,000 |
| Tacoma, WA | 11 | $ 5,243,000 | $ 476,636 | $ 178,000 |
| Austin-Round Rock, TX | 10 | $ 5,498,000 | $ 549,800 | $ 201,000 |
| Madera, CA | 10 | $ 2,427,000 | $ 242,700 | $ 85,000 |
| St. Louis, MO-IL | 10 | $ 2,364,000 | $ 236,400 | $ 137,700 |
| Orlando-Kissimmee, FL | 9 | $ 5,678,000 | $ 630,888 | $ 167,000 |
| St. George, UT | 9 | $ 2,320,000 | $ 257,777 | $ 472,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 9 | $ 5,838,000 | $ 648,666 | $ 67,000 |
| Redding, CA | 8 | $ 2,551,000 | $ 318,875 | $ 73,000 |
| Waterloo-Cedar Falls, IA | 8 | $ 406,000 | $ 50,750 | $ 63,000 |
| Bremerton-Silverdale, WA | 7 | $ 3,491,000 | $ 498,714 | $ 79,000 |
| Jacksonville, FL | 7 | $ 4,460,000 | $ 637,142 | $ 282,000 |
| Nassau-Suffolk, NY | 7 | $ 3,848,000 | $ 549,714 | $ 84,000 |
| Ocean City, NJ | 7 | $ 3,921,000 | $ 560,142 | $ 50,000 |
| Rapid City, SD | 7 | $ 507,000 | $ 72,428 | $ 96,000 |
| Tampa-St. Petersburg-Clearwater, FL | 7 | $ 3,915,000 | $ 559,285 | $ 145,000 |
| Bend, OR | 6 | $ 1,624,000 | $ 270,666 | $ 371,000 |
| Honolulu, HI | 6 | $ 1,877,000 | $ 312,833 | $ 283,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 6 | $ 4,791,000 | $ 798,500 | $ 100,000 |
| Sarasota-Bradenton-Venice, FL | 6 | $ 2,188,000 | $ 364,666 | $ 164,000 |
| Warren-Troy-Farmington Hills, MI | 6 | $ 3,446,000 | $ 574,333 | $ 93,000 |
| Billings, MT | 5 | $ 1,054,000 | $ 210,800 | $ 173,000 |
| Bismarck, ND | 5 | $ 335,000 | $ 67,000 | $ 90,000 |
| Bridgeport-Stamford-Norwalk, CT | 5 | $ 2,698,000 | $ 539,600 | $ 145,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,126,000 | $ 225,200 | $ 132,000 |
| Killeen-Temple-Fort Hood, TX | 5 | $ 714,000 | $ 142,800 | $ 88,000 |
| Memphis, TN-MS-AR | 5 | $ 1,185,000 | $ 237,000 | $ 415,000 |
| Raleigh-Cary, NC | 5 | $ 3,235,000 | $ 647,000 | $ 327,000 |
| Springfield, MO | 5 | $ 1,032,000 | $ 206,400 | $ 188,000 |
| Trenton-Ewing, NJ | 5 | $ 2,576,000 | $ 515,200 | $ 0 |
| Camden, NJ | 4 | $ 1,941,000 | $ 485,250 | $ 0 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,736,000 | $ 684,000 | $ 73,000 |
| Eugene-Springfield, OR | 4 | $ 881,000 | $ 220,250 | $ 160,000 |
| Jefferson City, MO | 4 | $ 712,000 | $ 178,000 | $ 118,000 |
| San Antonio, TX | 4 | $ 653,000 | $ 163,250 | $ 136,000 |
| Spokane, WA | 4 | $ 1,463,000 | $ 365,750 | $ 218,000 |
| Bellingham, WA | 3 | $ 1,755,000 | $ 585,000 | $ 94,000 |
| Cleveland-Elyria-Mentor, OH | 3 | $ 1,278,000 | $ 426,000 | $ 620,000 |
| Farmington, NM | 3 | $ 291,000 | $ 97,000 | $ 82,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 3 | $ 673,000 | $ 224,333 | $ 46,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 3 | $ 1,618,000 | $ 539,333 | $ 272,000 |
| Grand Forks, ND-MN | 3 | $ 628,000 | $ 209,333 | $ 234,000 |
| Joplin, MO | 3 | $ 130,000 | $ 43,333 | $ 66,000 |
| Longview, WA | 3 | $ 1,095,000 | $ 365,000 | $ 41,000 |
| Naples-Marco Island, FL | 3 | $ 1,250,000 | $ 416,666 | $ 121,000 |
| Rochester, MN | 3 | $ 279,000 | $ 93,000 | $ 62,000 |
| St. Joseph, MO-KS | 3 | $ 148,000 | $ 49,333 | $ 100,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 1,218,000 | $ 609,000 | $ 273,000 |
| Atlantic City, NJ | 2 | $ 1,039,000 | $ 519,500 | $ 0 |
| Birmingham-Hoover, AL | 2 | $ 1,259,000 | $ 629,500 | $ 237,000 |
| Canton-Massillon, OH | 2 | $ 369,000 | $ 184,500 | $ 125,000 |
| Columbus, OH | 2 | $ 802,000 | $ 401,000 | $ 73,000 |
| Corpus Christi, TX | 2 | $ 261,000 | $ 130,500 | $ 146,000 |
| Corvallis, OR | 2 | $ 428,000 | $ 214,000 | $ 160,000 |
| Durham, NC | 2 | $ 1,114,000 | $ 557,000 | $ 0 |
| Gainesville, GA | 2 | $ 1,056,000 | $ 528,000 | $ 138,000 |
| Harrisburg-Carlisle, PA | 2 | $ 1,211,000 | $ 605,500 | $ 102,000 |
| Idaho Falls, ID | 2 | $ 372,000 | $ 186,000 | $ 160,000 |
| Indianapolis-Carmel, IN | 2 | $ 518,000 | $ 259,000 | $ 120,000 |
| Knoxville, TN | 2 | $ 1,292,000 | $ 646,000 | $ 243,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 699,000 | $ 349,500 | $ 125,000 |
| Logan, UT-ID | 2 | $ 736,000 | $ 368,000 | $ 56,000 |
| Medford, OR | 2 | $ 644,000 | $ 322,000 | $ 60,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 957,000 | $ 478,500 | $ 188,000 |
| New Orleans-Metairie-Kenner, LA | 2 | $ 1,495,000 | $ 747,500 | $ 375,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 1,158,000 | $ 579,000 | $ 11,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 1,513,000 | $ 756,500 | $ 150,000 |
| Peoria, IL | 2 | $ 522,000 | $ 261,000 | $ 117,000 |
| Pocatello, ID | 2 | $ 258,000 | $ 129,000 | $ 26,000 |
| Richmond, VA | 2 | $ 746,000 | $ 373,000 | $ 126,000 |
| Tyler, TX | 2 | $ 191,000 | $ 95,500 | $ 47,000 |
| Valdosta, GA | 2 | $ 476,000 | $ 238,000 | $ 66,000 |
| Abilene, TX | 1 | $ 10,000 | $ 10,000 | $ 47,000 |
| Anderson, SC | 1 | $ 476,000 | $ 476,000 | $ 126,000 |
| Ann Arbor, MI | 1 | $ 446,000 | $ 446,000 | $ 148,000 |
| Auburn-Opelika, AL | 1 | $ 449,000 | $ 449,000 | $ 161,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 623,000 | $ 623,000 | $ 0 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 160,000 | $ 160,000 | $ 180,000 |
| Boston-Quincy, MA | 1 | $ 1,285,000 | $ 1,285,000 | $ 0 |
| Buffalo-Niagara Falls, NY | 1 | $ 50,000 | $ 50,000 | $ 38,000 |
| Charleston-North Charleston, SC | 1 | $ 939,000 | $ 939,000 | $ 0 |
| Charlotte-Gastonia-Concord, NC-SC | 1 | $ 120,000 | $ 120,000 | $ 50,000 |
| Charlottesville, VA | 1 | $ 525,000 | $ 525,000 | $ 183,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 514,000 | $ 514,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 144,000 | $ 144,000 | $ 206,000 |
| Columbia, SC | 1 | $ 545,000 | $ 545,000 | $ 110,000 |
| Columbus, GA-AL | 1 | $ 638,000 | $ 638,000 | $ 0 |
| Dayton, OH | 1 | $ 520,000 | $ 520,000 | $ 163,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 587,000 | $ 587,000 | $ 137,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 74,000 | $ 74,000 | $ 64,000 |
| Dubuque, IA | 1 | $ 66,000 | $ 66,000 | $ 36,000 |
| Erie, PA | 1 | $ 858,000 | $ 858,000 | $ 432,000 |
| Fort Smith, AR-OK | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 639,000 | $ 639,000 | $ 0 |
| Gary, IN | 1 | $ 556,000 | $ 556,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 90,000 | $ 90,000 | $ 68,000 |
| Hartford-West Hartford-East Hartford, CT | 1 | $ 34,000 | $ 34,000 | $ 96,000 |
| Holland-Grand Haven, MI | 1 | $ 104,000 | $ 104,000 | $ 61,000 |
| Huntsville, AL | 1 | $ 549,000 | $ 549,000 | $ 212,000 |
| Johnson City, TN | 1 | $ 160,000 | $ 160,000 | $ 52,000 |
| Jonesboro, AR | 1 | $ 576,000 | $ 576,000 | $ 128,000 |
| Lafayette, IN | 1 | $ 110,000 | $ 110,000 | $ 18,000 |
| Lafayette, LA | 1 | $ 598,000 | $ 598,000 | $ 0 |
| Lakeland, FL | 1 | $ 60,000 | $ 60,000 | $ 39,000 |
| Lancaster, PA | 1 | $ 70,000 | $ 70,000 | $ 28,000 |
| Lewiston, ID-WA | 1 | $ 50,000 | $ 50,000 | $ 77,000 |
| Lexington-Fayette, KY | 1 | $ 508,000 | $ 508,000 | $ 170,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 575,000 | $ 575,000 | $ 238,000 |
| Louisville-Jefferson County, KY-IN | 1 | $ 691,000 | $ 691,000 | $ 285,000 |
| Midland, TX | 1 | $ 469,000 | $ 469,000 | $ 442,000 |
| Missoula, MT | 1 | $ 18,000 | $ 18,000 | $ 63,000 |
| Montgomery, AL | 1 | $ 660,000 | $ 660,000 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 734,000 | $ 734,000 | $ 295,000 |
| New Haven-Milford, CT | 1 | $ 504,000 | $ 504,000 | $ 260,000 |
| Niles-Benton Harbor, MI | 1 | $ 526,000 | $ 526,000 | $ 197,000 |
| Norwich-New London, CT | 1 | $ 184,000 | $ 184,000 | $ 41,000 |
| Oshkosh-Neenah, WI | 1 | $ 47,000 | $ 47,000 | $ 156,000 |
| Panama City-Lynn Haven, FL | 1 | $ 560,000 | $ 560,000 | $ 0 |
| Peabody, MA | 1 | $ 210,000 | $ 210,000 | $ 92,000 |
| Port St. Lucie, FL | 1 | $ 535,000 | $ 535,000 | $ 0 |
| Poughkeepsie-Newburgh-Middletown, NY | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Reading, PA | 1 | $ 523,000 | $ 523,000 | $ 0 |
| Roanoke, VA | 1 | $ 540,000 | $ 540,000 | $ 320,000 |
| Rockford, IL | 1 | $ 177,000 | $ 177,000 | $ 56,000 |
| Savannah, GA | 1 | $ 841,000 | $ 841,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 527,000 | $ 527,000 | $ 258,000 |
| Terre Haute, IN | 1 | $ 113,000 | $ 113,000 | $ 94,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 587,000 | $ 587,000 | $ 227,000 |
| Waco, TX | 1 | $ 275,000 | $ 275,000 | $ 170,000 |
| Wenatchee, WA | 1 | $ 50,000 | $ 50,000 | $ 127,000 |
| Wilmington, NC | 1 | $ 498,000 | $ 498,000 | $ 121,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 119,000 | $ 119,000 | $ 158,000 |
| Yuma, AZ | 1 | $ 114,000 | $ 114,000 | $ 59,000 |
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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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