Bank of the West Mortgage Lending & HMDA Data, 2011

In 2011, Bank of the West of San Francisco, CA reported 15,924 mortgage applications totaling $3.9 billion. The average application was for $242,489, and applicants reported an average income of $127,954. 57% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,441), Omaha-Council Bluffs, NE-IA (1,046) and Denver-Aurora-Broomfield, CO (918) (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 15,924
Total Mortgage Loan Application Amount $3,861,395,000
Average Mortgage Loan Application Amount $242,489
Highest Mortgage Loan Application Amount $12,280,000
Average Applicant Income $127,954
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

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 1,441 $ 618,670,000 $ 429,333 $ 179,000
Douglas, Nebraska 708 $ 97,280,000 $ 137,401 $ 84,000
Santa Clara, California 496 $ 228,784,000 $ 461,258 $ 183,000
Alameda, California 474 $ 155,357,000 $ 327,757 $ 137,000
Orange, California 469 $ 213,255,000 $ 454,701 $ 266,000
Bernalillo, New Mexico 443 $ 69,959,000 $ 157,920 $ 102,000
Contra Costa, California 388 $ 133,776,000 $ 344,783 $ 149,000
Polk, Iowa 379 $ 46,123,000 $ 121,696 $ 84,000
Sedgwick, Kansas 325 $ 33,856,000 $ 104,172 $ 74,000
Stanislaus, California 309 $ 52,007,000 $ 168,307 $ 109,000
San Joaquin, California 265 $ 44,437,000 $ 167,686 $ 91,000
San Francisco, California 264 $ 136,101,000 $ 515,534 $ 189,000
Jefferson, Colorado 234 $ 58,420,000 $ 249,658 $ 112,000
Denver, Colorado 232 $ 65,749,000 $ 283,400 $ 119,000
San Mateo, California 190 $ 103,126,000 $ 542,768 $ 228,000
Sarpy, Nebraska 188 $ 22,915,000 $ 121,888 $ 75,000
Lancaster, Nebraska 181 $ 19,412,000 $ 107,248 $ 71,000
Garfield, Oklahoma 181 $ 15,399,000 $ 85,077 $ 61,000
Arapahoe, Colorado 171 $ 39,562,000 $ 231,356 $ 121,000
San Diego, California 168 $ 94,813,000 $ 564,363 $ 298,000
Johnson, Kansas 153 $ 26,837,000 $ 175,405 $ 100,000
Sonoma, California 148 $ 48,703,000 $ 329,074 $ 147,000
Jackson, Missouri 142 $ 19,680,000 $ 138,591 $ 91,000
Adams, Colorado 136 $ 21,811,000 $ 160,375 $ 67,000
Clark, Nevada 134 $ 40,670,000 $ 303,507 $ 263,000
Sacramento, California 130 $ 28,484,000 $ 219,107 $ 89,000
San Bernardino, California 124 $ 32,524,000 $ 262,290 $ 159,000
Fresno, California 123 $ 16,236,000 $ 132,000 $ 105,000
Boulder, Colorado 115 $ 42,303,000 $ 367,852 $ 145,000
Pima, Arizona 109 $ 27,235,000 $ 249,862 $ 199,000
Ventura, California 109 $ 51,026,000 $ 468,128 $ 210,000
Riverside, California 108 $ 30,886,000 $ 285,981 $ 160,000
Linn, Iowa 107 $ 9,985,000 $ 93,317 $ 70,000
Boone, Iowa 92 $ 6,708,000 $ 72,913 $ 63,000
Douglas, Colorado 90 $ 37,175,000 $ 413,055 $ 184,000
Santa Cruz, California 89 $ 42,224,000 $ 474,426 $ 266,000
Cass, North Dakota 89 $ 13,432,000 $ 150,921 $ 103,000
Ford, Kansas 88 $ 9,393,000 $ 106,738 $ 67,000
Solano, California 87 $ 16,146,000 $ 185,586 $ 129,000
Sandoval, New Mexico 85 $ 12,704,000 $ 149,458 $ 76,000
Dona Ana, New Mexico 82 $ 9,395,000 $ 114,573 $ 61,000
Napa, California 80 $ 33,211,000 $ 415,137 $ 207,000
Franklin, Kansas 79 $ 7,201,000 $ 91,151 $ 61,000
Maricopa, Arizona 78 $ 17,377,000 $ 222,782 $ 131,000
Lyon, Minnesota 77 $ 8,283,000 $ 107,571 $ 69,000
Washington, Oregon 76 $ 16,799,000 $ 221,039 $ 118,000
Weld, Colorado 75 $ 12,309,000 $ 164,120 $ 77,000
Oklahoma, Oklahoma 74 $ 11,769,000 $ 159,040 $ 86,000
Multnomah, Oregon 73 $ 20,509,000 $ 280,945 $ 113,000
Larimer, Colorado 72 $ 14,946,000 $ 207,583 $ 98,000
Butler, Kansas 72 $ 6,654,000 $ 92,416 $ 85,000
Lincoln, Oregon 71 $ 9,576,000 $ 134,873 $ 68,000
Tulare, California 69 $ 11,100,000 $ 160,869 $ 89,000
Pottawattamie, Iowa 69 $ 6,788,000 $ 98,376 $ 66,000
Placer, California 67 $ 25,120,000 $ 374,925 $ 293,000
Lincoln, Nebraska 63 $ 4,949,000 $ 78,555 $ 71,000
El Dorado, California 58 $ 21,135,000 $ 364,396 $ 217,000
Marin, California 58 $ 46,116,000 $ 795,103 $ 452,000
Pinal, Arizona 57 $ 6,229,000 $ 109,280 $ 93,000
Dallas, Iowa 56 $ 10,171,000 $ 181,625 $ 115,000
Sweetwater, Wyoming 55 $ 8,926,000 $ 162,290 $ 78,000
Washoe, Nevada 54 $ 16,522,000 $ 305,962 $ 242,000
Clackamas, Oregon 53 $ 15,115,000 $ 285,188 $ 133,000
Monterey, California 52 $ 41,367,000 $ 795,519 $ 385,000
Carroll, Iowa 52 $ 3,276,000 $ 63,000 $ 44,000
Mesa, Colorado 51 $ 9,031,000 $ 177,078 $ 83,000
Summit, Colorado 51 $ 22,668,000 $ 444,470 $ 386,000
Finney, Kansas 51 $ 4,145,000 $ 81,274 $ 54,000
Warren, Iowa 50 $ 4,248,000 $ 84,960 $ 64,000
Kings, California 49 $ 3,678,000 $ 75,061 $ 68,000
Salt Lake, Utah 49 $ 20,024,000 $ 408,653 $ 250,000
Kern, California 48 $ 6,852,000 $ 142,750 $ 181,000
Benton, Washington 48 $ 6,830,000 $ 142,291 $ 75,000
Clay, Missouri 47 $ 4,906,000 $ 104,382 $ 90,000
Butte, California 44 $ 4,942,000 $ 112,318 $ 65,000
Lake, California 43 $ 3,289,000 $ 76,488 $ 57,000
Santa Barbara, California 43 $ 32,175,000 $ 748,255 $ 397,000
Gunnison, Colorado 43 $ 14,792,000 $ 344,000 $ 187,000
Cowley, Kansas 43 $ 3,286,000 $ 76,418 $ 67,000
Otter Tail, Minnesota 43 $ 5,719,000 $ 133,000 $ 72,000
Valencia, New Mexico 43 $ 4,904,000 $ 114,046 $ 59,000
Yolo, California 42 $ 7,688,000 $ 183,047 $ 125,000
Madison, Nebraska 42 $ 3,007,000 $ 71,595 $ 60,000
Winneshiek, Iowa 41 $ 4,116,000 $ 100,390 $ 70,000
Nevada, California 40 $ 8,470,000 $ 211,750 $ 107,000
Delta, Colorado 40 $ 4,606,000 $ 115,150 $ 73,000
Story, Iowa 40 $ 5,799,000 $ 144,975 $ 73,000
Kittitas, Washington 40 $ 5,654,000 $ 141,350 $ 65,000
Ada, Idaho 39 $ 11,981,000 $ 307,205 $ 104,000
Box Butte, Nebraska 39 $ 3,063,000 $ 78,538 $ 49,000
Swift, Minnesota 38 $ 3,666,000 $ 96,473 $ 86,000
Gila, Arizona 37 $ 1,951,000 $ 52,729 $ 63,000
Carbon, Wyoming 37 $ 5,815,000 $ 157,162 $ 73,000
Montrose, Colorado 36 $ 4,846,000 $ 134,611 $ 47,000
Gage, Nebraska 35 $ 1,813,000 $ 51,800 $ 51,000
Navajo, Arizona 34 $ 1,620,000 $ 47,647 $ 63,000
Buffalo, Nebraska 34 $ 3,131,000 $ 92,088 $ 63,000
Richland, North Dakota 34 $ 3,340,000 $ 98,235 $ 69,000
Laramie, Wyoming 34 $ 4,958,000 $ 145,823 $ 78,000
Lincoln, Wyoming 33 $ 4,076,000 $ 123,515 $ 79,000
Decatur, Iowa 32 $ 2,142,000 $ 66,937 $ 62,000
Harvey, Kansas 32 $ 2,893,000 $ 90,406 $ 64,000
Kay, Oklahoma 32 $ 1,834,000 $ 57,312 $ 58,000
Clay, South Dakota 31 $ 5,325,000 $ 171,774 $ 81,000
Davis, Iowa 30 $ 2,308,000 $ 76,933 $ 54,000
Wapello, Iowa 29 $ 2,119,000 $ 73,068 $ 47,000
Coconino, Arizona 28 $ 4,612,000 $ 164,714 $ 99,000
Harrison, Iowa 28 $ 2,374,000 $ 84,785 $ 54,000
Douglas, Kansas 28 $ 6,125,000 $ 218,750 $ 104,000
Moffat, Colorado 27 $ 3,966,000 $ 146,888 $ 57,000
Dawes, Nebraska 27 $ 2,143,000 $ 79,370 $ 68,000
Tulsa, Oklahoma 27 $ 3,069,000 $ 113,666 $ 113,000
Park, Wyoming 27 $ 3,844,000 $ 142,370 $ 77,000
Grand, Colorado 26 $ 9,381,000 $ 360,807 $ 278,000
Blaine, Idaho 26 $ 12,728,000 $ 489,538 $ 402,000
Scott, Iowa 26 $ 3,186,000 $ 122,538 $ 74,000
Anoka, Minnesota 26 $ 5,802,000 $ 223,153 $ 67,000
Hall, Nebraska 26 $ 2,290,000 $ 88,076 $ 54,000
Merced, California 25 $ 3,842,000 $ 153,680 $ 102,000
Las Animas, Colorado 25 $ 1,708,000 $ 68,320 $ 48,000
Stevens, Minnesota 25 $ 2,653,000 $ 106,120 $ 66,000
Cass, Missouri 25 $ 5,583,000 $ 223,320 $ 85,000
Platte, Missouri 25 $ 4,670,000 $ 186,800 $ 103,000
Washburn, Wisconsin 25 $ 3,652,000 $ 146,080 $ 85,000
Platte, Nebraska 24 $ 1,365,000 $ 56,875 $ 46,000
Umatilla, Oregon 24 $ 2,507,000 $ 104,458 $ 67,000
Natrona, Wyoming 24 $ 4,024,000 $ 167,666 $ 92,000
Stearns, Minnesota 23 $ 3,192,000 $ 138,782 $ 78,000
Payne, Oklahoma 23 $ 1,618,000 $ 70,347 $ 52,000
Houston, Minnesota 22 $ 2,295,000 $ 104,318 $ 64,000
Niobrara, Wyoming 22 $ 2,041,000 $ 92,772 $ 71,000
Clay, Minnesota 21 $ 3,806,000 $ 181,238 $ 81,000
Morrison, Minnesota 21 $ 1,519,000 $ 72,333 $ 59,000
Pontotoc, Oklahoma 21 $ 1,188,000 $ 56,571 $ 73,000
Seminole, Oklahoma 21 $ 1,156,000 $ 55,047 $ 52,000
Yakima, Washington 21 $ 2,693,000 $ 128,238 $ 77,000
Campbell, Wyoming 21 $ 2,259,000 $ 107,571 $ 71,000
Fremont, Wyoming 21 $ 3,089,000 $ 147,095 $ 70,000
Washakie, Wyoming 21 $ 2,303,000 $ 109,666 $ 76,000
Routt, Colorado 20 $ 6,817,000 $ 340,850 $ 182,000
Shelby, Iowa 20 $ 1,258,000 $ 62,900 $ 49,000
Carter, Oklahoma 20 $ 1,120,000 $ 56,000 $ 72,000
Cleveland, Oklahoma 20 $ 1,579,000 $ 78,950 $ 67,000
Apache, Arizona 19 $ 917,000 $ 48,263 $ 46,000
Cass, Nebraska 19 $ 2,203,000 $ 115,947 $ 73,000
Dodge, Nebraska 19 $ 1,150,000 $ 60,526 $ 48,000
Washington, Nebraska 19 $ 3,070,000 $ 161,578 $ 114,000
Washington, Oklahoma 19 $ 1,346,000 $ 70,842 $ 62,000
Summit, Utah 19 $ 17,663,000 $ 929,631 $ 544,000
Franklin, Washington 19 $ 2,567,000 $ 135,105 $ 78,000
Canyon, Idaho 18 $ 4,604,000 $ 255,777 $ 48,000
Washington, Idaho 18 $ 2,274,000 $ 126,333 $ 84,000
Johnson, Iowa 18 $ 2,517,000 $ 139,833 $ 88,000
Jones, Iowa 18 $ 1,488,000 $ 82,666 $ 53,000
Marshall, Iowa 18 $ 1,313,000 $ 72,944 $ 48,000
Woodbury, Iowa 18 $ 1,226,000 $ 68,111 $ 56,000
Barton, Kansas 18 $ 890,000 $ 49,444 $ 48,000
Reno, Kansas 18 $ 1,510,000 $ 83,888 $ 93,000
Dakota, Minnesota 18 $ 2,981,000 $ 165,611 $ 92,000
Woods, Oklahoma 18 $ 1,332,000 $ 74,000 $ 63,000
Fillmore, Minnesota 17 $ 1,281,000 $ 75,352 $ 55,000
Hennepin, Minnesota 17 $ 3,549,000 $ 208,764 $ 105,000
Logan, Colorado 16 $ 1,361,000 $ 85,062 $ 46,000
Wyandotte, Kansas 16 $ 1,269,000 $ 79,312 $ 84,000
Cottonwood, Minnesota 16 $ 970,000 $ 60,625 $ 50,000
Sheridan, Nebraska 16 $ 825,000 $ 51,562 $ 49,000
Carson City, Nevada 16 $ 4,264,000 $ 266,500 $ 79,000
Utah, Utah 16 $ 5,994,000 $ 374,625 $ 476,000
Elbert, Colorado 15 $ 3,853,000 $ 256,866 $ 99,000
Mahaska, Iowa 15 $ 546,000 $ 36,400 $ 36,000
Pawnee, Kansas 15 $ 455,000 $ 30,333 $ 53,000
Yavapai, Arizona 14 $ 1,088,000 $ 77,714 $ 59,000
Edwards, Kansas 14 $ 366,000 $ 26,142 $ 43,000
Dakota, Nebraska 14 $ 651,000 $ 46,500 $ 46,000
Columbia, Oregon 14 $ 2,477,000 $ 176,928 $ 77,000
Malheur, Oregon 14 $ 1,367,000 $ 97,642 $ 58,000
Wasco, Oregon 14 $ 2,438,000 $ 174,142 $ 89,000
Sublette, Wyoming 14 $ 2,357,000 $ 168,357 $ 79,000
Lincoln, Minnesota 13 $ 894,000 $ 68,769 $ 60,000
Pope, Minnesota 13 $ 1,768,000 $ 136,000 $ 95,000
Stanton, Nebraska 13 $ 948,000 $ 72,923 $ 59,000
Clark, Washington 13 $ 3,800,000 $ 292,307 $ 137,000
Albany, Wyoming 13 $ 2,975,000 $ 228,846 $ 100,000
Uinta, Wyoming 13 $ 1,116,000 $ 85,846 $ 54,000
Broomfield, Colorado 12 $ 2,094,000 $ 174,500 $ 92,000
Kit Carson, Colorado 12 $ 1,342,000 $ 111,833 $ 63,000
Park, Colorado 12 $ 1,709,000 $ 142,416 $ 87,000
Wilkin, Minnesota 12 $ 704,000 $ 58,666 $ 53,000
Pierce, Nebraska 12 $ 747,000 $ 62,250 $ 59,000
Douglas, Nevada 12 $ 9,154,000 $ 762,833 $ 287,000
Osage, Oklahoma 12 $ 896,000 $ 74,666 $ 74,000
Marion, Oregon 12 $ 3,395,000 $ 282,916 $ 58,000
Converse, Wyoming 12 $ 1,549,000 $ 129,083 $ 92,000
Clear Creek, Colorado 11 $ 2,125,000 $ 193,181 $ 104,000
Benton, Iowa 11 $ 993,000 $ 90,272 $ 59,000
Grant, Minnesota 11 $ 829,000 $ 75,363 $ 108,000
Nobles, Minnesota 11 $ 1,080,000 $ 98,181 $ 84,000
Spink, South Dakota 11 $ 1,277,000 $ 116,090 $ 44,000
Mohave, Arizona 10 $ 1,315,000 $ 131,500 $ 87,000
Calaveras, California 10 $ 1,863,000 $ 186,300 $ 129,000
San Luis Obispo, California 10 $ 2,627,000 $ 262,700 $ 119,000
Chaffee, Colorado 10 $ 1,960,000 $ 196,000 $ 109,000
Mills, Iowa 10 $ 1,374,000 $ 137,400 $ 85,000
Seward, Kansas 10 $ 136,000 $ 13,600 $ 50,000
Sumner, Kansas 10 $ 933,000 $ 93,300 $ 70,000
Traverse, Minnesota 10 $ 622,000 $ 62,200 $ 57,000
Cherry, Nebraska 10 $ 509,000 $ 50,900 $ 67,000
Deschutes, Oregon 10 $ 2,764,000 $ 276,400 $ 269,000
Union, South Dakota 10 $ 1,261,000 $ 126,100 $ 68,000
Teton, Wyoming 10 $ 4,718,000 $ 471,800 $ 181,000
Allamakee, Iowa 9 $ 595,000 $ 66,111 $ 64,000
Kingfisher, Oklahoma 9 $ 1,190,000 $ 132,222 $ 217,000
Clatsop, Oregon 9 $ 2,828,000 $ 314,222 $ 250,000
Tillamook, Oregon 9 $ 3,433,000 $ 381,444 $ 228,000
Weber, Utah 9 $ 2,064,000 $ 229,333 $ 142,000
Goshen, Wyoming 9 $ 643,000 $ 71,444 $ 56,000
Sheridan, Wyoming 9 $ 1,680,000 $ 186,666 $ 63,000
Tuolumne, California 8 $ 1,353,000 $ 169,125 $ 109,000
Becker, Minnesota 8 $ 2,344,000 $ 293,000 $ 91,000
Santa Fe, New Mexico 8 $ 1,710,000 $ 213,750 $ 117,000
Major, Oklahoma 8 $ 938,000 $ 117,250 $ 60,000
Beadle, South Dakota 8 $ 714,000 $ 89,250 $ 123,000
Davis, Utah 8 $ 2,106,000 $ 263,250 $ 215,000
Wasatch, Utah 8 $ 3,575,000 $ 446,875 $ 620,000
King, Washington 8 $ 7,895,000 $ 986,875 $ 262,000
Shasta, California 7 $ 1,274,000 $ 182,000 $ 182,000
Morgan, Colorado 7 $ 1,157,000 $ 165,285 $ 83,000
Jasper, Iowa 7 $ 469,000 $ 67,000 $ 71,000
Miami, Kansas 7 $ 1,836,000 $ 262,285 $ 98,000
Carver, Minnesota 7 $ 1,523,000 $ 217,571 $ 161,000
Jackson, Minnesota 7 $ 349,000 $ 49,857 $ 47,000
Morrill, Nebraska 7 $ 156,000 $ 22,285 $ 42,000
Stark, North Dakota 7 $ 528,000 $ 75,428 $ 104,000
Pottawatomie, Oklahoma 7 $ 349,000 $ 49,857 $ 61,000
Yamhill, Oregon 7 $ 2,477,000 $ 353,857 $ 100,000
Douglas, South Dakota 7 $ 410,000 $ 58,571 $ 64,000
Perkins, South Dakota 7 $ 890,000 $ 127,142 $ 72,000
Madera, California 6 $ 1,259,000 $ 209,833 $ 83,000
San Benito, California 6 $ 926,000 $ 154,333 $ 61,000
El Paso, Colorado 6 $ 2,001,000 $ 333,500 $ 189,000
Ouray, Colorado 6 $ 4,994,000 $ 832,333 $ 229,000
Payette, Idaho 6 $ 460,000 $ 76,666 $ 48,000
Black Hawk, Iowa 6 $ 777,000 $ 129,500 $ 46,000
Calhoun, Iowa 6 $ 313,000 $ 52,166 $ 50,000
Fayette, Iowa 6 $ 388,000 $ 64,666 $ 74,000
Greene, Iowa 6 $ 401,000 $ 66,833 $ 62,000
Ringgold, Iowa 6 $ 567,000 $ 94,500 $ 63,000
Sac, Iowa 6 $ 306,000 $ 51,000 $ 53,000
Gray, Kansas 6 $ 473,000 $ 78,833 $ 75,000
Osage, Kansas 6 $ 580,000 $ 96,666 $ 57,000
Douglas, Minnesota 6 $ 905,000 $ 150,833 $ 174,000
Ramsey, Minnesota 6 $ 971,000 $ 161,833 $ 129,000
Redwood, Minnesota 6 $ 509,000 $ 84,833 $ 42,000
Howard, Nebraska 6 $ 670,000 $ 111,666 $ 92,000
Jefferson, Oregon 6 $ 605,000 $ 100,833 $ 50,000
Charles Mix, South Dakota 6 $ 557,000 $ 92,833 $ 47,000
Sawyer, Wisconsin 6 $ 580,000 $ 96,666 $ 28,000
Mendocino, California 5 $ 1,511,000 $ 302,200 $ 200,000
Custer, Colorado 5 $ 1,000,000 $ 200,000 $ 454,000
Gilpin, Colorado 5 $ 1,051,000 $ 210,200 $ 75,000
La Plata, Colorado 5 $ 2,275,000 $ 455,000 $ 674,000
Phillips, Colorado 5 $ 553,000 $ 110,600 $ 127,000
Pueblo, Colorado 5 $ 723,000 $ 144,600 $ 68,000
Crawford, Iowa 5 $ 129,000 $ 25,800 $ 56,000
Marion, Kansas 5 $ 529,000 $ 105,800 $ 51,000
Norman, Minnesota 5 $ 71,000 $ 14,200 $ 38,000
Camden, Missouri 5 $ 1,996,000 $ 399,200 $ 267,000
Saunders, Nebraska 5 $ 439,000 $ 87,800 $ 45,000
Seward, Nebraska 5 $ 432,000 $ 86,400 $ 60,000
Lyon, Nevada 5 $ 345,000 $ 69,000 $ 55,000
Alfalfa, Oklahoma 5 $ 350,000 $ 70,000 $ 41,000
Logan, Oklahoma 5 $ 505,000 $ 101,000 $ 54,000
Love, Oklahoma 5 $ 162,000 $ 32,400 $ 65,000
Potter, South Dakota 5 $ 463,000 $ 92,600 $ 56,000
Daggett, Utah 5 $ 726,000 $ 145,200 $ 68,000
Klickitat, Washington 5 $ 712,000 $ 142,400 $ 67,000
Big Horn, Wyoming 5 $ 573,000 $ 114,600 $ 95,000
Mariposa, California 4 $ 395,000 $ 98,750 $ 48,000
Eagle, Colorado 4 $ 2,196,000 $ 549,000 $ 385,000
Audubon, Iowa 4 $ 123,000 $ 30,750 $ 18,000
Delaware, Iowa 4 $ 279,000 $ 69,750 $ 44,000
Hamilton, Iowa 4 $ 182,000 $ 45,500 $ 40,000
Madison, Iowa 4 $ 360,000 $ 90,000 $ 107,000
Anderson, Kansas 4 $ 442,000 $ 110,500 $ 72,000
Ray, Missouri 4 $ 796,000 $ 199,000 $ 114,000
Butler, Nebraska 4 $ 487,000 $ 121,750 $ 65,000
Phelps, Nebraska 4 $ 409,000 $ 102,250 $ 63,000
Sherman, Nebraska 4 $ 215,000 $ 53,750 $ 43,000
Luna, New Mexico 4 $ 167,000 $ 41,750 $ 50,000
San Juan, New Mexico 4 $ 1,385,000 $ 346,250 $ 51,000
Torrance, New Mexico 4 $ 501,000 $ 125,250 $ 65,000
Sargent, North Dakota 4 $ 252,000 $ 63,000 $ 65,000
Canadian, Oklahoma 4 $ 883,000 $ 220,750 $ 75,000
McClain, Oklahoma 4 $ 144,000 $ 36,000 $ 65,000
Noble, Oklahoma 4 $ 208,000 $ 52,000 $ 36,000
Wagoner, Oklahoma 4 $ 370,000 $ 92,500 $ 61,000
Burnett, Wisconsin 4 $ 664,000 $ 166,000 $ 32,000
Platte, Wyoming 4 $ 257,000 $ 64,250 $ 40,000
Cochise, Arizona 3 $ 114,000 $ 38,000 $ 53,000
Amador, California 3 $ 333,000 $ 111,000 $ 79,000
Mono, California 3 $ 1,219,000 $ 406,333 $ 401,000
Plumas, California 3 $ 1,306,000 $ 435,333 $ 545,000
Tehama, California 3 $ 621,000 $ 207,000 $ 54,000
Teton, Idaho 3 $ 476,000 $ 158,666 $ 73,000
Clayton, Iowa 3 $ 329,000 $ 109,666 $ 63,000
Tama, Iowa 3 $ 298,000 $ 99,333 $ 34,000
Grant, Kansas 3 $ 31,000 $ 10,333 $ 42,000
Labette, Kansas 3 $ 186,000 $ 62,000 $ 33,000
Leavenworth, Kansas 3 $ 393,000 $ 131,000 $ 85,000
Meade, Kansas 3 $ 190,000 $ 63,333 $ 57,000
Rice, Kansas 3 $ 98,000 $ 32,666 $ 68,000
Big Stone, Minnesota 3 $ 237,000 $ 79,000 $ 43,000
Hubbard, Minnesota 3 $ 721,000 $ 240,333 $ 173,000
Rock, Minnesota 3 $ 183,000 $ 61,000 $ 45,000
Scott, Minnesota 3 $ 1,488,000 $ 496,000 $ 215,000
Todd, Minnesota 3 $ 144,000 $ 48,000 $ 72,000
Benton, Missouri 3 $ 131,000 $ 43,666 $ 81,000
Harrison, Missouri 3 $ 520,000 $ 173,333 $ 346,000
Johnson, Missouri 3 $ 640,000 $ 213,333 $ 230,000
St. Louis City, Missouri 3 $ 390,000 $ 130,000 $ 53,000
Taney, Missouri 3 $ 580,000 $ 193,333 $ 74,000
Antelope, Nebraska 3 $ 311,000 $ 103,666 $ 84,000
Hamilton, Nebraska 3 $ 289,000 $ 96,333 $ 64,000
Keith, Nebraska 3 $ 244,000 $ 81,333 $ 118,000
Knox, Nebraska 3 $ 605,000 $ 201,666 $ 116,000
Otoe, Nebraska 3 $ 299,000 $ 99,666 $ 103,000
Scotts Bluff, Nebraska 3 $ 527,000 $ 175,666 $ 72,000
Catron, New Mexico 3 $ 621,000 $ 207,000 $ 68,000
Rio Arriba, New Mexico 3 $ 891,000 $ 297,000 $ 100,000
Creek, Oklahoma 3 $ 88,000 $ 29,333 $ 72,000
Grady, Oklahoma 3 $ 271,000 $ 90,333 $ 115,000
Grant, Oklahoma 3 $ 339,000 $ 113,000 $ 49,000
Lane, Oregon 3 $ 537,000 $ 179,000 $ 174,000
Hand, South Dakota 3 $ 358,000 $ 119,333 $ 83,000
Lincoln, South Dakota 3 $ 771,000 $ 257,000 $ 125,000
Iron, Utah 3 $ 583,000 $ 194,333 $ 123,000
Morgan, Utah 3 $ 2,030,000 $ 676,666 $ 158,000
Washington, Utah 3 $ 645,000 $ 215,000 $ 317,000
Snohomish, Washington 3 $ 619,000 $ 206,333 $ 32,000
Walla Walla, Washington 3 $ 249,000 $ 83,000 $ 52,000
Santa Cruz, Arizona 2 $ 224,000 $ 112,000 $ 48,000
Colusa, California 2 $ 117,000 $ 58,500 $ 41,000
Lassen, California 2 $ 560,000 $ 280,000 $ 151,000
Cheyenne, Colorado 2 $ 40,000 $ 20,000 $ 37,000
Fremont, Colorado 2 $ 393,000 $ 196,500 $ 85,000
Huerfano, Colorado 2 $ 137,000 $ 68,500 $ 54,000
Montezuma, Colorado 2 $ 522,000 $ 261,000 $ 10,000
Pitkin, Colorado 2 $ 2,877,000 $ 1,438,500 $ 1,047,000
Boise, Idaho 2 $ 467,000 $ 233,500 $ 132,000
Kootenai, Idaho 2 $ 1,433,000 $ 716,500 $ 203,000
Madison, Idaho 2 $ 295,000 $ 147,500 $ 71,000
Valley, Idaho 2 $ 435,000 $ 217,500 $ 701,000
Rock Island, Illinois 2 $ 79,000 $ 39,500 $ 88,000
Cerro Gordo, Iowa 2 $ 230,000 $ 115,000 $ 48,000
Dickinson, Iowa 2 $ 488,000 $ 244,000 $ 208,000
Fremont, Iowa 2 $ 142,000 $ 71,000 $ 63,000
Grundy, Iowa 2 $ 280,000 $ 140,000 $ 39,000
Hardin, Iowa 2 $ 64,000 $ 32,000 $ 52,000
Iowa, Iowa 2 $ 173,000 $ 86,500 $ 23,000
Marion, Iowa 2 $ 157,000 $ 78,500 $ 59,000
Monroe, Iowa 2 $ 180,000 $ 90,000 $ 59,000
Clark, Kansas 2 $ 158,000 $ 79,000 $ 84,000
Ellis, Kansas 2 $ 14,000 $ 7,000 $ 38,000
Ellsworth, Kansas 2 $ 96,000 $ 48,000 $ 91,000
Jefferson, Kansas 2 $ 238,000 $ 119,000 $ 44,000
McPherson, Kansas 2 $ 87,000 $ 43,500 $ 47,000
Montgomery, Kansas 2 $ 34,000 $ 17,000 $ 25,000
Ness, Kansas 2 $ 130,000 $ 65,000 $ 71,000
Shawnee, Kansas 2 $ 341,000 $ 170,500 $ 53,000
Sherman, Kansas 2 $ 99,000 $ 49,500 $ 88,000
Stafford, Kansas 2 $ 26,000 $ 13,000 $ 47,000
Benton, Minnesota 2 $ 183,000 $ 91,500 $ 75,000
Freeborn, Minnesota 2 $ 55,000 $ 27,500 $ 54,000
Goodhue, Minnesota 2 $ 295,000 $ 147,500 $ 100,000
Kandiyohi, Minnesota 2 $ 444,000 $ 222,000 $ 106,000
McLeod, Minnesota 2 $ 328,000 $ 164,000 $ 36,000
Murray, Minnesota 2 $ 123,000 $ 61,500 $ 53,000
Washington, Minnesota 2 $ 663,000 $ 331,500 $ 247,000
Wright, Minnesota 2 $ 741,000 $ 370,500 $ 20,000
Yellow Medicine, Minnesota 2 $ 100,000 $ 50,000 $ 51,000
Barry, Missouri 2 $ 347,000 $ 173,500 $ 83,000
Gentry, Missouri 2 $ 274,000 $ 137,000 $ 80,000
St. Louis, Missouri 2 $ 389,000 $ 194,500 $ 154,000
Stone, Missouri 2 $ 344,000 $ 172,000 $ 208,000
Adams, Nebraska 2 $ 151,000 $ 75,500 $ 66,000
Boone, Nebraska 2 $ 122,000 $ 61,000 $ 57,000
Burt, Nebraska 2 $ 116,000 $ 58,000 $ 27,000
Cedar, Nebraska 2 $ 97,000 $ 48,500 $ 57,000
Colfax, Nebraska 2 $ 120,000 $ 60,000 $ 63,000
Cuming, Nebraska 2 $ 248,000 $ 124,000 $ 56,000
Custer, Nebraska 2 $ 589,000 $ 294,500 $ 18,000
Dawson, Nebraska 2 $ 44,000 $ 22,000 $ 57,000
Dixon, Nebraska 2 $ 151,000 $ 75,500 $ 61,000
Frontier, Nebraska 2 $ 32,000 $ 16,000 $ 53,000
Holt, Nebraska 2 $ 94,000 $ 47,000 $ 42,000
Hooker, Nebraska 2 $ 113,000 $ 56,500 $ 35,000
Jefferson, Nebraska 2 $ 80,000 $ 40,000 $ 100,000
Kearney, Nebraska 2 $ 226,000 $ 113,000 $ 85,000
Merrick, Nebraska 2 $ 79,000 $ 39,500 $ 64,000
Red Willow, Nebraska 2 $ 117,000 $ 58,500 $ 35,000
Saline, Nebraska 2 $ 212,000 $ 106,000 $ 39,000
York, Nebraska 2 $ 181,000 $ 90,500 $ 54,000
Elko, Nevada 2 $ 519,000 $ 259,500 $ 77,000
Chaves, New Mexico 2 $ 774,000 $ 387,000 $ 270,000
Eddy, New Mexico 2 $ 203,000 $ 101,500 $ 37,000
Otero, New Mexico 2 $ 233,000 $ 116,500 $ 35,000
San Miguel, New Mexico 2 $ 776,000 $ 388,000 $ 153,000
Sierra, New Mexico 2 $ 211,000 $ 105,500 $ 35,000
Grand Forks, North Dakota 2 $ 2,837,000 $ 1,418,500 $ 33,000
Griggs, North Dakota 2 $ 26,000 $ 13,000 $ 39,000
Hettinger, North Dakota 2 $ 169,000 $ 84,500 $ 59,000
McHenry, North Dakota 2 $ 235,000 $ 117,500 $ 81,000
Murray, Oklahoma 2 $ 135,000 $ 67,500 $ 101,000
Okmulgee, Oklahoma 2 $ 85,000 $ 42,500 $ 52,000
Benton, Oregon 2 $ 343,000 $ 171,500 $ 1,041,000
Josephine, Oregon 2 $ 279,000 $ 139,500 $ 59,000
Polk, Oregon 2 $ 518,000 $ 259,000 $ 248,000
Wallowa, Oregon 2 $ 387,000 $ 193,500 $ 64,000
Bennett, South Dakota 2 $ 212,000 $ 106,000 $ 40,000
Clark, South Dakota 2 $ 119,000 $ 59,500 $ 34,000
Custer, South Dakota 2 $ 159,000 $ 79,500 $ 100,000
Minnehaha, South Dakota 2 $ 89,000 $ 44,500 $ 124,000
Pennington, South Dakota 2 $ 343,000 $ 171,500 $ 137,000
Carbon, Utah 2 $ 329,000 $ 164,500 $ 49,000
Duchesne, Utah 2 $ 181,000 $ 90,500 $ 75,000
Kane, Utah 2 $ 135,000 $ 67,500 $ 47,000
Adams, Washington 2 $ 161,000 $ 80,500 $ 79,000
Kitsap, Washington 2 $ 456,000 $ 228,000 $ 277,000
Pacific, Washington 2 $ 363,000 $ 181,500 $ 341,000
San Juan, Washington 2 $ 1,302,000 $ 651,000 $ 203,000
Fond du Lac, Wisconsin 2 $ 582,000 $ 291,000 $ 121,000
La Crosse, Wisconsin 2 $ 223,000 $ 111,500 $ 111,000
Crook, Wyoming 2 $ 399,000 $ 199,500 $ 60,000
Hot Springs, Wyoming 2 $ 333,000 $ 166,500 $ 86,000
La Paz, Arizona 1 $ 60,000 $ 60,000 $ 34,000
Glenn, California 1 $ 400,000 $ 400,000 $ 121,000
Inyo, California 1 $ 219,000 $ 219,000 $ 151,000
Yuba, California 1 $ 76,000 $ 76,000 $ 46,000
Archuleta, Colorado 1 $ 50,000 $ 50,000 $ 173,000
Garfield, Colorado 1 $ 326,000 $ 326,000 $ 141,000
Jackson, Colorado 1 $ 97,000 $ 97,000 $ 26,000
Lake, Colorado 1 $ 25,000 $ 25,000 $ 96,000
Otero, Colorado 1 $ 270,000 $ 270,000 $ 171,000
San Miguel, Colorado 1 $ 168,000 $ 168,000 $ 33,000
Adams, Idaho 1 $ 160,000 $ 160,000 $ 145,000
Cassia, Idaho 1 $ 162,000 $ 162,000 $ 75,000
Custer, Idaho 1 $ 450,000 $ 450,000 $ 356,000
Twin Falls, Idaho 1 $ 130,000 $ 130,000 $ 50,000
Cook, Illinois 1 $ 11,000 $ 11,000 $ 89,000
McDonough, Illinois 1 $ 2,000 $ 2,000 $ 14,000
McHenry, Illinois 1 $ 150,000 $ 150,000 $ 197,000
Adair, Iowa 1 $ 67,000 $ 67,000 $ 60,000
Cedar, Iowa 1 $ 58,000 $ 58,000 $ 20,000
Cherokee, Iowa 1 $ 60,000 $ 60,000 $ 41,000
Clarke, Iowa 1 $ 138,000 $ 138,000 $ 51,000
Clay, Iowa 1 $ 28,000 $ 28,000 $ 32,000
Des Moines, Iowa 1 $ 30,000 $ 30,000 $ 55,000
Dubuque, Iowa 1 $ 135,000 $ 135,000 $ 91,000
Guthrie, Iowa 1 $ 187,000 $ 187,000 $ 81,000
Howard, Iowa 1 $ 2,000 $ 2,000 $ 14,000
Ida, Iowa 1 $ 38,000 $ 38,000 $ 55,000
Jefferson, Iowa 1 $ 28,000 $ 28,000 $ 45,000
Lyon, Iowa 1 $ 88,000 $ 88,000 $ 24,000
Monona, Iowa 1 $ 130,000 $ 130,000 $ 58,000
Muscatine, Iowa 1 $ 128,000 $ 128,000 $ 53,000
Plymouth, Iowa 1 $ 86,000 $ 86,000 $ 85,000
Pocahontas, Iowa 1 $ 14,000 $ 14,000 $ 47,000
Poweshiek, Iowa 1 $ 104,000 $ 104,000 $ 52,000
Taylor, Iowa 1 $ 10,000 $ 10,000 $ 104,000
Van Buren, Iowa 1 $ 176,000 $ 176,000 $ 230,000
Wayne, Iowa 1 $ 41,000 $ 41,000 $ 132,000
Webster, Iowa 1 $ 62,000 $ 62,000 $ 37,000
Coffey, Kansas 1 $ 124,000 $ 124,000 $ 39,000
Dickinson, Kansas 1 $ 3,000 $ 3,000 $ 104,000
Elk, Kansas 1 $ 30,000 $ 30,000 $ 56,000
Greenwood, Kansas 1 $ 64,000 $ 64,000 $ 37,000
Harper, Kansas 1 $ 10,000 $ 10,000 $ 31,000
Haskell, Kansas 1 $ 112,000 $ 112,000 $ 59,000
Hodgeman, Kansas 1 $ 59,000 $ 59,000 $ 40,000
Kearny, Kansas 1 $ 23,000 $ 23,000 $ 21,000
Kingman, Kansas 1 $ 150,000 $ 150,000 $ 139,000
Lane, Kansas 1 $ 54,000 $ 54,000 $ 26,000
Lincoln, Kansas 1 $ 358,000 $ 358,000 $ 512,000
Linn, Kansas 1 $ 209,000 $ 209,000 $ 107,000
Lyon, Kansas 1 $ 40,000 $ 40,000 $ 24,000
Ottawa, Kansas 1 $ 17,000 $ 17,000 $ 108,000
Pottawatomie, Kansas 1 $ 135,000 $ 135,000 $ 64,000
Pratt, Kansas 1 $ 35,000 $ 35,000 $ 85,000
Rooks, Kansas 1 $ 27,000 $ 27,000 $ 37,000
Stevens, Kansas 1 $ 20,000 $ 20,000 $ 37,000
Trego, Kansas 1 $ 9,000 $ 9,000 $ 26,000
Woodson, Kansas 1 $ 36,000 $ 36,000 $ 53,000
Fayette, Kentucky 1 $ 922,000 $ 922,000 $ 603,000
Blue Earth, Minnesota 1 $ 90,000 $ 90,000 $ 40,000
Carlton, Minnesota 1 $ 170,000 $ 170,000 $ 131,000
Chippewa, Minnesota 1 $ 40,000 $ 40,000 $ 44,000
Crow Wing, Minnesota 1 $ 199,000 $ 199,000 $ 46,000
Isanti, Minnesota 1 $ 255,000 $ 255,000 $ 58,000
Martin, Minnesota 1 $ 60,000 $ 60,000 $ 116,000
Meeker, Minnesota 1 $ 5,000 $ 5,000 $ 46,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2011

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 9,646 $2,717,344,000 $281,000 $10,875,000 $139,000 $9,999,000
Home Purchase 4,218 $1,007,125,000 $238,000 $12,280,000 $131,000 $3,867,000
Home Improvement 2,060 $136,926,000 $66,000 $3,660,000 $70,000 $2,437,000

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 10,811 $2,460,673,000 $227,000 $4,301,000 $131,000 $9,999,000
Not Provided 1,795 $536,360,000 $298,000 $4,960,000 $155,000 $9,999,000
Hispanic 1,493 $214,234,000 $143,000 $2,000,000 $77,000 $2,098,000
Asian 1,218 $427,440,000 $350,000 $2,670,000 $159,000 $7,137,000
Black or African American 224 $27,571,000 $123,000 $744,000 $77,000 $910,000
Not applicable 223 $160,060,000 $717,000 $12,280,000 $0 $0
American Indian or Alaskan Native 86 $11,051,000 $128,000 $750,000 $90,000 $1,526,000
Native Hawaiian or Other Pacific Islander 74 $24,006,000 $324,000 $3,597,000 $154,000 $1,001,000

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) 14,275 $3,614,964,000 $253,000 $12,280,000 $136,000 $9,999,000
FHA-insured (Federal Housing Administration) 1,324 $195,870,000 $147,000 $705,000 $62,000 $451,000
VA-guaranteed (Veterans Administration) 258 $42,359,000 $164,000 $417,000 $65,000 $301,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 67 $8,202,000 $122,000 $242,000 $44,000 $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 9,040 $2,256,357,000 $249,000 $12,280,000 $138,000 $9,999,000
Application Denied By Financial Institution 4,711 $1,067,544,000 $226,000 $3,597,000 $109,000 $9,999,000
Application Approved But Not Accepted 1,672 $396,956,000 $237,000 $2,499,000 $129,000 $3,551,000
Application Withdrawn By Applicant 471 $134,667,000 $285,000 $2,925,000 $144,000 $1,961,000
Preapproval Denied by Financial Institution 27 $4,628,000 $171,000 $1,000,000 $60,000 $152,000
Loan Purchased By The Institution 3 $1,243,000 $414,000 $692,000 $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 1,450 $170,297,000 $117,000 $3,400,000 $79,000 $1,928,000
Collateral 1,341 $370,671,000 $276,000 $3,516,000 $168,000 $9,999,000
Debt-To-Income Ratio 1,270 $330,925,000 $260,000 $3,000,000 $68,000 $2,010,000
Other 304 $101,015,000 $332,000 $3,500,000 $138,000 $3,119,000
Credit Application Incomplete 155 $38,167,000 $246,000 $2,000,000 $129,000 $982,000
Unverifiable Information 85 $20,204,000 $237,000 $3,500,000 $113,000 $1,431,000
Insufficient Cash (Downpayment, Closing Cost) 85 $30,588,000 $359,000 $3,597,000 $135,000 $998,000
Employment History 37 $7,471,000 $201,000 $1,560,000 $103,000 $760,000
Mortgage Insurance Denied 11 $2,834,000 $257,000 $574,000 $108,000 $234,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2011 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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