Bank of the West Mortgage Lending & HMDA Data, 2023

In 2023, Bank of the West of San Francisco, CA reported 1,056 mortgage applications totaling $419.5 million, down 96% from 2022. The average application was for $397,215, and applicants reported an average income of $211,159. 49% of its applications resulted in an originated loan and 35% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (202), Anaheim-Santa Ana-Irvine, CA (69) and Oakland-Hayward-Berkeley, CA (66) (applications in parentheses).

Mortgage Company & Address Bank of the West
180 Montgomery Street
San Francisco, CA 94104
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 1,056
Total Mortgage Loan Application Amount $419,460,000
Average Mortgage Loan Application Amount $397,215
Highest Mortgage Loan Application Amount $4,735,000
Average Applicant Income $211,159
Highest Applicant Income $7,206,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2023

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 202 $ 117,320,000 $ 580,792 $ 276,000
Orange, California 69 $ 42,045,000 $ 609,347 $ 365,000
Santa Clara, California 59 $ 40,905,000 $ 693,305 $ 254,000
Alameda, California 37 $ 17,965,000 $ 485,540 $ 214,000
San Joaquin, California 34 $ 6,460,000 $ 190,000 $ 130,000
Contra Costa, California 29 $ 11,725,000 $ 404,310 $ 239,000
San Bernardino, California 25 $ 4,625,000 $ 185,000 $ 177,000
Riverside, California 19 $ 9,285,000 $ 488,684 $ 240,000
Sacramento, California 18 $ 3,840,000 $ 213,333 $ 132,000
Stanislaus, California 18 $ 2,520,000 $ 140,000 $ 106,000
San Diego, California 17 $ 7,535,000 $ 443,235 $ 334,000
Clark, Nevada 17 $ 8,245,000 $ 485,000 $ 217,000
Denver, Colorado 16 $ 6,930,000 $ 433,125 $ 159,000
Jefferson, Colorado 16 $ 4,670,000 $ 291,875 $ 163,000
San Mateo, California 15 $ 11,895,000 $ 793,000 $ 441,000
Fresno, California 14 $ 2,220,000 $ 158,571 $ 97,000
Arapahoe, Colorado 13 $ 3,335,000 $ 256,538 $ 177,000
Washington, Oregon 13 $ 2,775,000 $ 213,461 $ 149,000
Sonoma, California 12 $ 3,580,000 $ 298,333 $ 160,000
Ventura, California 11 $ 2,545,000 $ 231,363 $ 197,000
Polk, Iowa 11 $ 1,625,000 $ 147,727 $ 98,000
Maricopa, Arizona 10 $ 2,510,000 $ 251,000 $ 122,000
San Francisco, California 10 $ 6,910,000 $ 691,000 $ 260,000
Douglas, Nebraska 10 $ 2,300,000 $ 230,000 $ 108,000
Summit, Colorado 9 $ 3,825,000 $ 425,000 $ 209,000
Jackson, Missouri 9 $ 735,000 $ 81,666 $ 137,000
Bernalillo, New Mexico 9 $ 955,000 $ 106,111 $ 65,000
Pima, Arizona 8 $ 850,000 $ 106,250 $ 197,000
Adams, Colorado 8 $ 2,810,000 $ 351,250 $ 120,000
King, Washington 8 $ 3,700,000 $ 462,500 $ 244,000
Napa, California 7 $ 3,795,000 $ 542,142 $ 431,000
Douglas, Colorado 7 $ 1,525,000 $ 217,857 $ 123,000
Larimer, Colorado 7 $ 1,795,000 $ 256,428 $ 121,000
Ada, Idaho 7 $ 2,145,000 $ 306,428 $ 118,000
Multnomah, Oregon 7 $ 1,205,000 $ 172,142 $ 95,000
Marin, California 6 $ 3,310,000 $ 551,666 $ 197,000
Placer, California 6 $ 2,600,000 $ 433,333 $ 209,000
Lancaster, Nebraska 6 $ 430,000 $ 71,666 $ 68,000
Yavapai, Arizona 5 $ 485,000 $ 97,000 $ 37,000
San Luis Obispo, California 5 $ 3,325,000 $ 665,000 $ 411,000
Santa Barbara, California 5 $ 3,775,000 $ 755,000 $ 352,000
Solano, California 5 $ 565,000 $ 113,000 $ 185,000
Dona Ana, New Mexico 5 $ 465,000 $ 93,000 $ 124,000
Oklahoma, Oklahoma 5 $ 1,385,000 $ 277,000 $ 148,000
Lincoln, Oregon 5 $ 675,000 $ 135,000 $ 72,000
Pierce, Washington 5 $ 2,125,000 $ 425,000 $ 0
Gila, Arizona 4 $ 350,000 $ 87,500 $ 98,000
Butte, California 4 $ 660,000 $ 165,000 $ 148,000
Kern, California 4 $ 520,000 $ 130,000 $ 164,000
Nevada, California 4 $ 1,210,000 $ 302,500 $ 222,000
Boulder, Colorado 4 $ 1,630,000 $ 407,500 $ 213,000
Mesa, Colorado 4 $ 1,400,000 $ 350,000 $ 415,000
Canyon, Idaho 4 $ 790,000 $ 197,500 $ 111,000
Sedgwick, Kansas 4 $ 850,000 $ 212,500 $ 126,000
Otter Tail, Minnesota 4 $ 390,000 $ 97,500 $ 70,000
Washoe, Nevada 4 $ 1,240,000 $ 310,000 $ 117,000
Salt Lake, Utah 4 $ 670,000 $ 167,500 $ 137,000
Laramie, Wyoming 4 $ 150,000 $ 37,500 $ 93,000
Calaveras, California 3 $ 685,000 $ 228,333 $ 26,000
Lake, California 3 $ 205,000 $ 68,333 $ 100,000
Monterey, California 3 $ 1,965,000 $ 655,000 $ 118,000
Routt, Colorado 3 $ 2,665,000 $ 888,333 $ 141,000
Boone, Iowa 3 $ 235,000 $ 78,333 $ 73,000
Dallas, Iowa 3 $ 1,115,000 $ 371,666 $ 0
Linn, Iowa 3 $ 345,000 $ 115,000 $ 70,000
Warren, Iowa 3 $ 255,000 $ 85,000 $ 42,000
Harvey, Kansas 3 $ 245,000 $ 81,666 $ 53,000
Clay, Missouri 3 $ 495,000 $ 165,000 $ 101,000
Sarpy, Nebraska 3 $ 295,000 $ 98,333 $ 161,000
Clark, Washington 3 $ 795,000 $ 265,000 $ 132,000
Yakima, Washington 3 $ 275,000 $ 91,666 $ 37,000
Pinal, Arizona 2 $ 610,000 $ 305,000 $ 274,000
El Dorado, California 2 $ 1,160,000 $ 580,000 $ 93,000
Kings, California 2 $ 120,000 $ 60,000 $ 136,000
Madera, California 2 $ 740,000 $ 370,000 $ 108,000
Santa Cruz, California 2 $ 810,000 $ 405,000 $ 376,000
Tulare, California 2 $ 1,250,000 $ 625,000 $ 240,000
Yolo, California 2 $ 560,000 $ 280,000 $ 87,000
Delta, Colorado 2 $ 250,000 $ 125,000 $ 46,000
Elbert, Colorado 2 $ 510,000 $ 255,000 $ 41,000
Grand, Colorado 2 $ 740,000 $ 370,000 $ 824,000
Gunnison, Colorado 2 $ 320,000 $ 160,000 $ 75,000
San Miguel, Colorado 2 $ 1,880,000 $ 940,000 $ 465,000
Butler, Kansas 2 $ 160,000 $ 80,000 $ 29,000
Ford, Kansas 2 $ 200,000 $ 100,000 $ 101,000
Pawnee, Kansas 2 $ 110,000 $ 55,000 $ 90,000
Traverse, Minnesota 2 $ 50,000 $ 25,000 $ 103,000
Platte, Nebraska 2 $ 280,000 $ 140,000 $ 97,000
Douglas, Nevada 2 $ 1,460,000 $ 730,000 $ 166,000
Lyon, Nevada 2 $ 760,000 $ 380,000 $ 170,000
Cass, North Dakota 2 $ 450,000 $ 225,000 $ 118,000
Tulsa, Oklahoma 2 $ 280,000 $ 140,000 $ 146,000
Clackamas, Oregon 2 $ 510,000 $ 255,000 $ 370,000
Umatilla, Oregon 2 $ 140,000 $ 70,000 $ 76,000
Bon Homme, South Dakota 2 $ 130,000 $ 65,000 $ 64,000
Utah, Utah 2 $ 1,000,000 $ 500,000 $ 167,000
Franklin, Washington 2 $ 420,000 $ 210,000 $ 106,000
Snohomish, Washington 2 $ 1,280,000 $ 640,000 $ 195,000
Teton, Wyoming 2 $ 810,000 $ 405,000 $ 259,000
Mohave, Arizona 1 $ 505,000 $ 505,000 $ 102,000
Navajo, Arizona 1 $ 45,000 $ 45,000 $ 60,000
Yuma, Arizona 1 $ 255,000 $ 255,000 $ 151,000
Amador, California 1 $ 75,000 $ 75,000 $ 92,000
Mendocino, California 1 $ 645,000 $ 645,000 $ 180,000
Modoc, California 1 $ 2,135,000 $ 2,135,000 $ 0
Shasta, California 1 $ 55,000 $ 55,000 $ 117,000
Broomfield, Colorado 1 $ 205,000 $ 205,000 $ 324,000
Eagle, Colorado 1 $ 1,735,000 $ 1,735,000 $ 450,000
El Paso, Colorado 1 $ 1,145,000 $ 1,145,000 $ 238,000
Kit Carson, Colorado 1 $ 15,000 $ 15,000 $ 62,000
Park, Colorado 1 $ 115,000 $ 115,000 $ 24,000
Weld, Colorado 1 $ 15,000 $ 15,000 $ 91,000
Blaine, Idaho 1 $ 55,000 $ 55,000 $ 90,000
Bonneville, Idaho 1 $ 205,000 $ 205,000 $ 24,000
Calhoun, Iowa 1 $ 55,000 $ 55,000 $ 33,000
Iowa, Iowa 1 $ 55,000 $ 55,000 $ 46,000
Marshall, Iowa 1 $ 95,000 $ 95,000 $ 62,000
Pottawattamie, Iowa 1 $ 85,000 $ 85,000 $ 80,000
Poweshiek, Iowa 1 $ 55,000 $ 55,000 $ 63,000
Barton, Kansas 1 $ 105,000 $ 105,000 $ 58,000
Finney, Kansas 1 $ 55,000 $ 55,000 $ 40,000
Phillips, Kansas 1 $ 65,000 $ 65,000 $ 29,000
Sherman, Kansas 1 $ 125,000 $ 125,000 $ 61,000
Sumner, Kansas 1 $ 35,000 $ 35,000 $ 50,000
Becker, Minnesota 1 $ 35,000 $ 35,000 $ 90,000
Cottonwood, Minnesota 1 $ 35,000 $ 35,000 $ 35,000
Hennepin, Minnesota 1 $ 2,005,000 $ 2,005,000 $ 311,000
Kandiyohi, Minnesota 1 $ 255,000 $ 255,000 $ 44,000
Lyon, Minnesota 1 $ 105,000 $ 105,000 $ 55,000
Norman, Minnesota 1 $ 25,000 $ 25,000 $ 15,000
Swift, Minnesota 1 $ 35,000 $ 35,000 $ 150,000
Washington, Minnesota 1 $ 205,000 $ 205,000 $ 600,000
Johnson, Missouri 1 $ 55,000 $ 55,000 $ 118,000
St. Louis, Missouri 1 $ 105,000 $ 105,000 $ 179,000
Webster, Missouri 1 $ 135,000 $ 135,000 $ 68,000
Cass, Nebraska 1 $ 255,000 $ 255,000 $ 177,000
Dawson, Nebraska 1 $ 35,000 $ 35,000 $ 77,000
Dodge, Nebraska 1 $ 95,000 $ 95,000 $ 16,000
Gage, Nebraska 1 $ 35,000 $ 35,000 $ 29,000
Hall, Nebraska 1 $ 35,000 $ 35,000 $ 28,000
Lincoln, Nebraska 1 $ 55,000 $ 55,000 $ 54,000
Sheridan, Nebraska 1 $ 75,000 $ 75,000 $ 18,000
Eddy, New Mexico 1 $ 105,000 $ 105,000 $ 182,000
Sandoval, New Mexico 1 $ 55,000 $ 55,000 $ 58,000
Santa Fe, New Mexico 1 $ 1,275,000 $ 1,275,000 $ 2,181,000
Torrance, New Mexico 1 $ 55,000 $ 55,000 $ 45,000
Valencia, New Mexico 1 $ 215,000 $ 215,000 $ 96,000
Oneida, New York 1 $ 495,000 $ 495,000 $ 0
Richland, North Dakota 1 $ 65,000 $ 65,000 $ 59,000
Canadian, Oklahoma 1 $ 105,000 $ 105,000 $ 48,000
Kay, Oklahoma 1 $ 225,000 $ 225,000 $ 127,000
Payne, Oklahoma 1 $ 45,000 $ 45,000 $ 88,000
Clatsop, Oregon 1 $ 445,000 $ 445,000 $ 335,000
Columbia, Oregon 1 $ 415,000 $ 415,000 $ 100,000
Klamath, Oregon 1 $ 65,000 $ 65,000 $ 29,000
Tillamook, Oregon 1 $ 255,000 $ 255,000 $ 245,000
Douglas, South Dakota 1 $ 45,000 $ 45,000 $ 119,000
Davis, Utah 1 $ 75,000 $ 75,000 $ 86,000
Summit, Utah 1 $ 105,000 $ 105,000 $ 121,000
Benton, Washington 1 $ 95,000 $ 95,000 $ 182,000
Kittitas, Washington 1 $ 305,000 $ 305,000 $ 111,000
Klickitat, Washington 1 $ 25,000 $ 25,000 $ 46,000
Douglas, Wisconsin 1 $ 155,000 $ 155,000 $ 258,000
Washburn, Wisconsin 1 $ 15,000 $ 15,000 $ 91,000
Waupaca, Wisconsin 1 $ 65,000 $ 65,000 $ 159,000
Albany, Wyoming 1 $ 75,000 $ 75,000 $ 0
Carbon, Wyoming 1 $ 75,000 $ 75,000 $ 71,000
Lincoln, Wyoming 1 $ 15,000 $ 15,000 $ 108,000
Niobrara, Wyoming 1 $ 15,000 $ 15,000 $ 70,000
Sheridan, Wyoming 1 $ 315,000 $ 315,000 $ 0
Sublette, Wyoming 1 $ 25,000 $ 25,000 $ 36,000
Sweetwater, Wyoming 1 $ 25,000 $ 25,000 $ 64,000
Uinta, Wyoming 1 $ 25,000 $ 25,000 $ 123,000

Mortgage Loan Application Detail Totals for Bank of the West in 2023

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
Other Purpose 343 $83,285,000 $242,000 $2,005,000 $198,000 $7,206,000
Home Improvement 228 $44,840,000 $196,000 $3,005,000 $182,000 $1,500,000
Home Purchase 223 $168,885,000 $757,000 $4,625,000 $286,000 $2,181,000
Refinancing 180 $87,080,000 $483,000 $4,735,000 $207,000 $856,000
Cash-out Refinancing 80 $35,240,000 $440,000 $2,605,000 $156,000 $948,000
Not Applicable 2 $130,000 $65,000 $95,000 $28,000 $28,000

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 498 $202,470,000 $406,000 $4,735,000 $223,000 $7,206,000
Not Provided 183 $77,675,000 $424,000 $3,295,000 $220,000 $1,685,000
Asian 159 $74,555,000 $468,000 $2,725,000 $205,000 $1,813,000
Hispanic 140 $30,920,000 $220,000 $1,405,000 $159,000 $1,277,000
Black or African American 24 $8,520,000 $355,000 $2,005,000 $241,000 $1,136,000
Not applicable 19 $10,195,000 $536,000 $2,135,000 $36,000 $53,000
Native Hawaiian or Other Pacific Islander 6 $860,000 $143,000 $245,000 $147,000 $280,000
American Indian or Alaskan Native 5 $1,015,000 $203,000 $665,000 $129,000 $427,000

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) 1,016 $410,940,000 $404,000 $4,735,000 $216,000 $7,206,000
FHA-insured (Federal Housing Administration) 35 $7,705,000 $220,000 $875,000 $80,000 $258,000
VA-guaranteed (Veterans Administration) 4 $620,000 $155,000 $215,000 $57,000 $65,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 1 $195,000 $195,000 $195,000 $86,000 $86,000

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 518 $216,310,000 $417,000 $4,735,000 $245,000 $7,206,000
Application Denied By Financial Institution 369 $138,895,000 $376,000 $4,625,000 $168,000 $1,685,000
Application Withdrawn By Applicant 159 $61,375,000 $386,000 $3,335,000 $200,000 $1,500,000
Application Approved But Not Accepted 6 $2,110,000 $351,000 $735,000 $100,000 $150,000
Loan Purchased By The Institution 4 $770,000 $192,000 $325,000 $36,000 $53,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 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
Not applicable 687 $280,565,000 $408,000 $4,735,000 $233,000 $7,206,000
Debt-To-Income Ratio 150 $63,380,000 $422,000 $3,005,000 $113,000 $601,000
Credit Application Incomplete 115 $36,855,000 $320,000 $1,785,000 $167,000 $1,685,000
Collateral 38 $20,230,000 $532,000 $4,625,000 $326,000 $1,318,000
Other 32 $6,510,000 $203,000 $1,905,000 $173,000 $948,000
Credit History 15 $2,835,000 $189,000 $665,000 $183,000 $1,277,000
Unverifiable Information 12 $4,510,000 $375,000 $2,005,000 $268,000 $856,000
Insufficient Cash (Downpayment, Closing Cost) 6 $4,400,000 $733,000 $1,405,000 $216,000 $320,000
Employment History 1 $175,000 $175,000 $175,000 $320,000 $320,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2023 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.

Download the California Lender List