Bank of the West Mortgage Lending & HMDA Data, 2012

In 2012, Bank of the West of San Francisco, CA reported 22,293 mortgage applications totaling $5.8 billion, up 40% from 2011. The average application was for $258,982, and applicants reported an average income of $124,123. 54% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,810), Denver-Aurora-Broomfield, CO (1,554) and Oakland-Fremont-Hayward, CA (1,279) (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 22,293
Total Mortgage Loan Application Amount $5,773,502,000
Average Mortgage Loan Application Amount $258,982
Highest Mortgage Loan Application Amount $16,500,000
Average Applicant Income $124,123
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

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 1,810 $ 779,769,000 $ 430,811 $ 169,000
Santa Clara, California 807 $ 352,950,000 $ 437,360 $ 156,000
Douglas, Nebraska 753 $ 99,929,000 $ 132,707 $ 82,000
Alameda, California 706 $ 236,642,000 $ 335,186 $ 140,000
Orange, California 643 $ 296,766,000 $ 461,533 $ 206,000
Contra Costa, California 573 $ 221,441,000 $ 386,458 $ 153,000
Bernalillo, New Mexico 557 $ 101,481,000 $ 182,192 $ 100,000
Stanislaus, California 437 $ 75,624,000 $ 173,052 $ 124,000
Polk, Iowa 381 $ 44,291,000 $ 116,249 $ 75,000
San Joaquin, California 376 $ 66,121,000 $ 175,853 $ 98,000
Denver, Colorado 371 $ 113,112,000 $ 304,884 $ 139,000
San Francisco, California 360 $ 199,488,000 $ 554,133 $ 189,000
Sedgwick, Kansas 360 $ 38,329,000 $ 106,469 $ 76,000
Jefferson, Colorado 359 $ 82,159,000 $ 228,855 $ 95,000
Arapahoe, Colorado 324 $ 76,833,000 $ 237,138 $ 124,000
Sonoma, California 290 $ 91,122,000 $ 314,213 $ 142,000
San Diego, California 254 $ 113,911,000 $ 448,468 $ 274,000
San Mateo, California 252 $ 136,598,000 $ 542,055 $ 206,000
Sarpy, Nebraska 221 $ 28,011,000 $ 126,746 $ 77,000
Sacramento, California 220 $ 52,954,000 $ 240,700 $ 129,000
Adams, Colorado 215 $ 34,520,000 $ 160,558 $ 81,000
Garfield, Oklahoma 191 $ 17,796,000 $ 93,172 $ 60,000
Fresno, California 181 $ 31,031,000 $ 171,441 $ 123,000
San Bernardino, California 180 $ 52,103,000 $ 289,461 $ 166,000
Johnson, Kansas 178 $ 39,010,000 $ 219,157 $ 128,000
Lancaster, Nebraska 170 $ 16,857,000 $ 99,158 $ 66,000
Boulder, Colorado 167 $ 67,229,000 $ 402,568 $ 123,000
Douglas, Colorado 163 $ 57,241,000 $ 351,171 $ 148,000
Linn, Iowa 160 $ 19,262,000 $ 120,387 $ 70,000
Cass, North Dakota 158 $ 28,718,000 $ 181,759 $ 95,000
Multnomah, Oregon 158 $ 58,032,000 $ 367,291 $ 90,000
Jackson, Missouri 154 $ 20,179,000 $ 131,032 $ 77,000
Oklahoma, Oklahoma 144 $ 19,535,000 $ 135,659 $ 83,000
Washington, Oregon 143 $ 32,992,000 $ 230,713 $ 91,000
Santa Cruz, California 136 $ 55,573,000 $ 408,625 $ 166,000
Tulare, California 133 $ 22,546,000 $ 169,518 $ 112,000
Riverside, California 129 $ 36,205,000 $ 280,658 $ 179,000
Pima, Arizona 128 $ 26,201,000 $ 204,695 $ 164,000
Marin, California 128 $ 69,808,000 $ 545,375 $ 204,000
Monterey, California 127 $ 75,406,000 $ 593,748 $ 323,000
Placer, California 124 $ 39,894,000 $ 321,725 $ 458,000
Ventura, California 124 $ 49,900,000 $ 402,419 $ 231,000
Solano, California 114 $ 24,224,000 $ 212,491 $ 118,000
Sandoval, New Mexico 113 $ 19,476,000 $ 172,353 $ 82,000
Napa, California 112 $ 55,921,000 $ 499,294 $ 194,000
Larimer, Colorado 107 $ 26,084,000 $ 243,775 $ 121,000
Ford, Kansas 107 $ 9,728,000 $ 90,915 $ 68,000
Clark, Nevada 106 $ 27,558,000 $ 259,981 $ 204,000
Santa Barbara, California 100 $ 58,250,000 $ 582,500 $ 267,000
Maricopa, Arizona 99 $ 25,652,000 $ 259,111 $ 293,000
Kern, California 93 $ 14,563,000 $ 156,591 $ 113,000
Boone, Iowa 92 $ 6,939,000 $ 75,423 $ 59,000
Lincoln, Oregon 87 $ 13,097,000 $ 150,540 $ 64,000
Weld, Colorado 83 $ 15,099,000 $ 181,915 $ 80,000
Ada, Idaho 83 $ 27,462,000 $ 330,867 $ 81,000
Butte, California 81 $ 12,109,000 $ 149,493 $ 68,000
Summit, Colorado 81 $ 27,875,000 $ 344,135 $ 149,000
Dona Ana, New Mexico 81 $ 7,782,000 $ 96,074 $ 55,000
Clackamas, Oregon 81 $ 21,399,000 $ 264,185 $ 130,000
Valencia, New Mexico 76 $ 10,797,000 $ 142,065 $ 59,000
Dallas, Iowa 75 $ 12,264,000 $ 163,520 $ 84,000
Winneshiek, Iowa 75 $ 9,576,000 $ 127,680 $ 104,000
El Dorado, California 74 $ 24,597,000 $ 332,391 $ 166,000
Montrose, Colorado 74 $ 10,723,000 $ 144,905 $ 61,000
Pinal, Arizona 71 $ 6,997,000 $ 98,549 $ 64,000
Franklin, Kansas 69 $ 7,405,000 $ 107,318 $ 67,000
Warren, Iowa 68 $ 7,970,000 $ 117,205 $ 70,000
Sweetwater, Wyoming 67 $ 11,008,000 $ 164,298 $ 75,000
Pottawattamie, Iowa 66 $ 6,797,000 $ 102,984 $ 74,000
Laramie, Wyoming 66 $ 8,861,000 $ 134,257 $ 61,000
Lyon, Minnesota 64 $ 6,645,000 $ 103,828 $ 87,000
Finney, Kansas 63 $ 5,498,000 $ 87,269 $ 57,000
Clay, Missouri 63 $ 9,819,000 $ 155,857 $ 83,000
Washoe, Nevada 63 $ 24,162,000 $ 383,523 $ 152,000
Nevada, California 62 $ 12,039,000 $ 194,177 $ 111,000
Elbert, Colorado 60 $ 16,422,000 $ 273,700 $ 98,000
Benton, Washington 60 $ 9,443,000 $ 157,383 $ 73,000
Hall, Nebraska 59 $ 5,347,000 $ 90,627 $ 69,000
Salt Lake, Utah 59 $ 27,602,000 $ 467,830 $ 194,000
Carroll, Iowa 58 $ 3,789,000 $ 65,327 $ 50,000
Butler, Kansas 58 $ 7,605,000 $ 131,120 $ 91,000
Harvey, Kansas 55 $ 6,478,000 $ 117,781 $ 57,000
Lincoln, Nebraska 54 $ 4,954,000 $ 91,740 $ 64,000
Lincoln, Wyoming 54 $ 8,105,000 $ 150,092 $ 74,000
Yolo, California 53 $ 15,970,000 $ 301,320 $ 103,000
Navajo, Arizona 50 $ 2,855,000 $ 57,100 $ 74,000
Delta, Colorado 50 $ 5,191,000 $ 103,820 $ 56,000
Johnson, Iowa 50 $ 7,848,000 $ 156,960 $ 87,000
Story, Iowa 50 $ 5,901,000 $ 118,020 $ 71,000
Kings, California 48 $ 6,339,000 $ 132,062 $ 75,000
Platte, Nebraska 47 $ 3,931,000 $ 83,638 $ 55,000
Kay, Oklahoma 47 $ 2,159,000 $ 45,936 $ 51,000
Gunnison, Colorado 46 $ 17,640,000 $ 383,478 $ 190,000
Decatur, Iowa 45 $ 4,222,000 $ 93,822 $ 65,000
Clay, Minnesota 45 $ 6,200,000 $ 137,777 $ 81,000
Grand, Colorado 44 $ 10,867,000 $ 246,977 $ 124,000
Las Animas, Colorado 44 $ 4,323,000 $ 98,250 $ 63,000
Buffalo, Nebraska 44 $ 5,007,000 $ 113,795 $ 68,000
Otter Tail, Minnesota 42 $ 6,891,000 $ 164,071 $ 109,000
Washakie, Wyoming 42 $ 4,150,000 $ 98,809 $ 56,000
Wapello, Iowa 41 $ 2,897,000 $ 70,658 $ 52,000
Mesa, Colorado 40 $ 7,095,000 $ 177,375 $ 113,000
Gila, Arizona 39 $ 2,690,000 $ 68,974 $ 65,000
Tulsa, Oklahoma 39 $ 3,696,000 $ 94,769 $ 62,000
Clay, South Dakota 39 $ 4,821,000 $ 123,615 $ 76,000
Box Butte, Nebraska 38 $ 3,215,000 $ 84,605 $ 77,000
Lake, California 37 $ 3,062,000 $ 82,756 $ 52,000
Canyon, Idaho 37 $ 5,814,000 $ 157,135 $ 107,000
Harrison, Iowa 37 $ 3,643,000 $ 98,459 $ 136,000
Moffat, Colorado 36 $ 6,787,000 $ 188,527 $ 58,000
Washburn, Wisconsin 36 $ 3,519,000 $ 97,750 $ 70,000
Carbon, Wyoming 36 $ 5,098,000 $ 141,611 $ 73,000
Dodge, Nebraska 35 $ 4,548,000 $ 129,942 $ 53,000
Franklin, Washington 35 $ 4,930,000 $ 140,857 $ 72,000
Merced, California 34 $ 6,113,000 $ 179,794 $ 89,000
Platte, Missouri 34 $ 5,365,000 $ 157,794 $ 95,000
Coconino, Arizona 33 $ 5,905,000 $ 178,939 $ 82,000
Houston, Minnesota 33 $ 3,587,000 $ 108,696 $ 68,000
Blaine, Idaho 32 $ 9,715,000 $ 303,593 $ 136,000
Stearns, Minnesota 32 $ 4,366,000 $ 136,437 $ 83,000
Carson City, Nevada 31 $ 9,758,000 $ 314,774 $ 125,000
Kittitas, Washington 31 $ 5,023,000 $ 162,032 $ 56,000
Tuolumne, California 30 $ 5,835,000 $ 194,500 $ 157,000
Scott, Iowa 30 $ 3,104,000 $ 103,466 $ 51,000
Douglas, Kansas 30 $ 5,140,000 $ 171,333 $ 89,000
Fremont, Wyoming 30 $ 4,115,000 $ 137,166 $ 62,000
Park, Wyoming 30 $ 4,418,000 $ 147,266 $ 73,000
Davis, Iowa 29 $ 4,040,000 $ 139,310 $ 62,000
Reno, Kansas 29 $ 2,476,000 $ 85,379 $ 58,000
Pontotoc, Oklahoma 29 $ 2,099,000 $ 72,379 $ 60,000
Seminole, Oklahoma 29 $ 2,235,000 $ 77,068 $ 50,000
Cleveland, Oklahoma 28 $ 2,867,000 $ 102,392 $ 79,000
Umatilla, Oregon 28 $ 5,095,000 $ 181,964 $ 94,000
Summit, Utah 28 $ 28,165,000 $ 1,005,892 $ 535,000
Park, Colorado 27 $ 4,619,000 $ 171,074 $ 85,000
Barton, Kansas 27 $ 2,569,000 $ 95,148 $ 79,000
Stevens, Minnesota 27 $ 3,153,000 $ 116,777 $ 84,000
Campbell, Wyoming 27 $ 3,174,000 $ 117,555 $ 75,000
Marshall, Iowa 26 $ 1,943,000 $ 74,730 $ 54,000
Wilkin, Minnesota 26 $ 1,623,000 $ 62,423 $ 53,000
Madison, Nebraska 26 $ 1,873,000 $ 72,038 $ 60,000
Marion, Oregon 26 $ 13,919,000 $ 535,346 $ 57,000
Natrona, Wyoming 26 $ 4,401,000 $ 169,269 $ 78,000
Sheridan, Wyoming 26 $ 2,889,000 $ 111,115 $ 63,000
Anoka, Minnesota 25 $ 4,795,000 $ 191,800 $ 98,000
Cottonwood, Minnesota 25 $ 2,181,000 $ 87,240 $ 66,000
Routt, Colorado 24 $ 8,068,000 $ 336,166 $ 157,000
Pawnee, Kansas 24 $ 1,170,000 $ 48,750 $ 47,000
Santa Fe, New Mexico 24 $ 7,523,000 $ 313,458 $ 133,000
Jones, Iowa 23 $ 2,475,000 $ 107,608 $ 59,000
Cass, Missouri 23 $ 4,323,000 $ 187,956 $ 108,000
Davis, Utah 23 $ 9,254,000 $ 402,347 $ 183,000
Cowley, Kansas 22 $ 1,564,000 $ 71,090 $ 61,000
Lincoln, Minnesota 22 $ 1,200,000 $ 54,545 $ 44,000
Swift, Minnesota 22 $ 2,574,000 $ 117,000 $ 67,000
Payne, Oklahoma 22 $ 1,225,000 $ 55,681 $ 58,000
Yakima, Washington 22 $ 3,353,000 $ 152,409 $ 146,000
San Luis Obispo, California 21 $ 8,316,000 $ 396,000 $ 289,000
Woodbury, Iowa 21 $ 1,271,000 $ 60,523 $ 50,000
Morrison, Minnesota 21 $ 3,170,000 $ 150,952 $ 45,000
Richland, North Dakota 21 $ 1,703,000 $ 81,095 $ 77,000
Canadian, Oklahoma 21 $ 3,839,000 $ 182,809 $ 115,000
Mahaska, Iowa 20 $ 1,094,000 $ 54,700 $ 53,000
Gage, Nebraska 20 $ 1,212,000 $ 60,600 $ 51,000
Sheridan, Nebraska 20 $ 1,167,000 $ 58,350 $ 56,000
Washington, Nebraska 20 $ 2,687,000 $ 134,350 $ 85,000
Teton, Wyoming 20 $ 10,042,000 $ 502,100 $ 172,000
Apache, Arizona 19 $ 1,332,000 $ 70,105 $ 59,000
Yavapai, Arizona 19 $ 1,500,000 $ 78,947 $ 49,000
El Paso, Colorado 19 $ 8,610,000 $ 453,157 $ 111,000
Logan, Colorado 18 $ 1,870,000 $ 103,888 $ 39,000
Hennepin, Minnesota 18 $ 8,184,000 $ 454,666 $ 181,000
Douglas, Nevada 18 $ 6,461,000 $ 358,944 $ 245,000
Columbia, Oregon 18 $ 2,968,000 $ 164,888 $ 57,000
Converse, Wyoming 18 $ 3,064,000 $ 170,222 $ 67,000
Broomfield, Colorado 17 $ 4,682,000 $ 275,411 $ 140,000
Clear Creek, Colorado 17 $ 9,326,000 $ 548,588 $ 209,000
Washington, Idaho 17 $ 1,644,000 $ 96,705 $ 54,000
Camden, Missouri 17 $ 2,992,000 $ 176,000 $ 212,000
Cherry, Nebraska 17 $ 1,292,000 $ 76,000 $ 47,000
Edwards, Kansas 16 $ 502,000 $ 31,375 $ 44,000
Fillmore, Minnesota 16 $ 1,262,000 $ 78,875 $ 52,000
Saunders, Nebraska 16 $ 1,761,000 $ 110,062 $ 101,000
Stark, North Dakota 16 $ 2,051,000 $ 128,187 $ 66,000
Deschutes, Oregon 16 $ 5,831,000 $ 364,437 $ 212,000
Union, South Dakota 16 $ 2,434,000 $ 152,125 $ 88,000
Utah, Utah 16 $ 10,353,000 $ 647,062 $ 458,000
Uinta, Wyoming 16 $ 2,455,000 $ 153,437 $ 75,000
Kit Carson, Colorado 15 $ 1,722,000 $ 114,800 $ 69,000
Morgan, Colorado 15 $ 1,418,000 $ 94,533 $ 56,000
Dakota, Minnesota 15 $ 3,149,000 $ 209,933 $ 98,000
Cass, Nebraska 15 $ 1,317,000 $ 87,800 $ 60,000
Washington, Oklahoma 15 $ 1,110,000 $ 74,000 $ 66,000
Malheur, Oregon 15 $ 2,113,000 $ 140,866 $ 106,000
Sublette, Wyoming 15 $ 3,197,000 $ 213,133 $ 81,000
Calaveras, California 14 $ 2,466,000 $ 176,142 $ 140,000
Shelby, Iowa 14 $ 985,000 $ 70,357 $ 51,000
Sumner, Kansas 14 $ 774,000 $ 55,285 $ 59,000
Wyandotte, Kansas 14 $ 1,082,000 $ 77,285 $ 74,000
Dawes, Nebraska 14 $ 1,441,000 $ 102,928 $ 62,000
Major, Oklahoma 14 $ 1,257,000 $ 89,785 $ 67,000
King, Washington 14 $ 5,488,000 $ 392,000 $ 100,000
Chaffee, Colorado 13 $ 2,318,000 $ 178,307 $ 78,000
Gray, Kansas 13 $ 1,412,000 $ 108,615 $ 64,000
Clark, Washington 13 $ 2,902,000 $ 223,230 $ 95,000
Madera, California 12 $ 1,946,000 $ 162,166 $ 114,000
Eagle, Colorado 12 $ 10,687,000 $ 890,583 $ 600,000
Jackson, Minnesota 12 $ 1,180,000 $ 98,333 $ 93,000
Woods, Oklahoma 12 $ 1,174,000 $ 97,833 $ 75,000
Wasco, Oregon 12 $ 2,621,000 $ 218,416 $ 77,000
Wasatch, Utah 12 $ 5,707,000 $ 475,583 $ 155,000
Albany, Wyoming 12 $ 1,430,000 $ 119,166 $ 69,000
Benton, Iowa 11 $ 1,262,000 $ 114,727 $ 66,000
Becker, Minnesota 11 $ 2,642,000 $ 240,181 $ 208,000
Grant, Minnesota 11 $ 943,000 $ 85,727 $ 86,000
Kandiyohi, Minnesota 11 $ 1,800,000 $ 163,636 $ 150,000
Norman, Minnesota 11 $ 497,000 $ 45,181 $ 54,000
Carter, Oklahoma 11 $ 540,000 $ 49,090 $ 57,000
Niobrara, Wyoming 11 $ 932,000 $ 84,727 $ 50,000
Mariposa, California 10 $ 2,003,000 $ 200,300 $ 88,000
Valley, Idaho 10 $ 1,784,000 $ 178,400 $ 181,000
Mills, Iowa 10 $ 1,429,000 $ 142,900 $ 69,000
Carver, Minnesota 10 $ 1,952,000 $ 195,200 $ 77,000
Traverse, Minnesota 10 $ 1,082,000 $ 108,200 $ 177,000
Yellow Medicine, Minnesota 10 $ 769,000 $ 76,900 $ 60,000
Osage, Oklahoma 10 $ 1,294,000 $ 129,400 $ 63,000
Jefferson, Oregon 10 $ 867,000 $ 86,700 $ 67,000
Potter, South Dakota 10 $ 929,000 $ 92,900 $ 55,000
Mohave, Arizona 9 $ 1,356,000 $ 150,666 $ 219,000
Jasper, Iowa 9 $ 1,289,000 $ 143,222 $ 65,000
Ringgold, Iowa 9 $ 1,274,000 $ 141,555 $ 121,000
Marion, Kansas 9 $ 671,000 $ 74,555 $ 74,000
Nobles, Minnesota 9 $ 892,000 $ 99,111 $ 50,000
Harrison, Missouri 9 $ 1,458,000 $ 162,000 $ 45,000
Fall River, South Dakota 9 $ 872,000 $ 96,888 $ 50,000
Platte, Wyoming 9 $ 1,245,000 $ 138,333 $ 80,000
Madison, Iowa 8 $ 1,404,000 $ 175,500 $ 83,000
Pope, Minnesota 8 $ 2,010,000 $ 251,250 $ 125,000
Lane, Oregon 8 $ 2,522,000 $ 315,250 $ 72,000
Yamhill, Oregon 8 $ 2,915,000 $ 364,375 $ 124,000
Spink, South Dakota 8 $ 746,000 $ 93,250 $ 58,000
Sawyer, Wisconsin 8 $ 1,491,000 $ 186,375 $ 114,000
Big Horn, Wyoming 8 $ 682,000 $ 85,250 $ 53,000
Amador, California 7 $ 1,685,000 $ 240,714 $ 54,000
Payette, Idaho 7 $ 1,996,000 $ 285,142 $ 231,000
Allamakee, Iowa 7 $ 409,000 $ 58,428 $ 61,000
Seward, Kansas 7 $ 84,000 $ 12,000 $ 56,000
Meeker, Minnesota 7 $ 1,270,000 $ 181,428 $ 84,000
Ramsey, Minnesota 7 $ 2,080,000 $ 297,142 $ 31,000
Logan, Oklahoma 7 $ 1,179,000 $ 168,428 $ 75,000
McClain, Oklahoma 7 $ 1,063,000 $ 151,857 $ 88,000
Clark, South Dakota 7 $ 386,000 $ 55,142 $ 75,000
Minnehaha, South Dakota 7 $ 845,000 $ 120,714 $ 114,000
Washington, Utah 7 $ 1,378,000 $ 196,857 $ 358,000
Weber, Utah 7 $ 2,800,000 $ 400,000 $ 132,000
Snohomish, Washington 7 $ 1,322,000 $ 188,857 $ 114,000
Burnett, Wisconsin 7 $ 1,750,000 $ 250,000 $ 95,000
Mendocino, California 6 $ 2,875,000 $ 479,166 $ 142,000
Sutter, California 6 $ 1,783,000 $ 297,166 $ 173,000
Yuba, California 6 $ 495,000 $ 82,500 $ 43,000
Phillips, Colorado 6 $ 969,000 $ 161,500 $ 61,000
Pitkin, Colorado 6 $ 4,866,000 $ 811,000 $ 443,000
Fremont, Iowa 6 $ 448,000 $ 74,666 $ 78,000
Leavenworth, Kansas 6 $ 1,343,000 $ 223,833 $ 87,000
Scott, Minnesota 6 $ 1,597,000 $ 266,166 $ 163,000
Adams, Nebraska 6 $ 456,000 $ 76,000 $ 68,000
Dakota, Nebraska 6 $ 484,000 $ 80,666 $ 60,000
Dawson, Nebraska 6 $ 315,000 $ 52,500 $ 89,000
Howard, Nebraska 6 $ 490,000 $ 81,666 $ 57,000
Phelps, Nebraska 6 $ 292,000 $ 48,666 $ 48,000
Wayne, Nebraska 6 $ 484,000 $ 80,666 $ 58,000
Taos, New Mexico 6 $ 1,870,000 $ 311,666 $ 215,000
Pottawatomie, Oklahoma 6 $ 707,000 $ 117,833 $ 54,000
Perkins, South Dakota 6 $ 445,000 $ 74,166 $ 65,000
Denton, Texas 6 $ 2,188,000 $ 364,666 $ 0
Walla Walla, Washington 6 $ 927,000 $ 154,500 $ 40,000
Goshen, Wyoming 6 $ 563,000 $ 93,833 $ 59,000
Shasta, California 5 $ 1,149,000 $ 229,800 $ 201,000
La Plata, Colorado 5 $ 1,140,000 $ 228,000 $ 139,000
Ouray, Colorado 5 $ 1,210,000 $ 242,000 $ 152,000
Boise, Idaho 5 $ 1,028,000 $ 205,600 $ 126,000
Howard, Iowa 5 $ 449,000 $ 89,800 $ 40,000
Iowa, Iowa 5 $ 570,000 $ 114,000 $ 54,000
Marion, Iowa 5 $ 523,000 $ 104,600 $ 79,000
Anderson, Kansas 5 $ 346,000 $ 69,200 $ 47,000
Haskell, Kansas 5 $ 243,000 $ 48,600 $ 39,000
Kearny, Kansas 5 $ 255,000 $ 51,000 $ 59,000
Johnson, Missouri 5 $ 511,000 $ 102,200 $ 56,000
Kearney, Nebraska 5 $ 563,000 $ 112,600 $ 43,000
Morrill, Nebraska 5 $ 195,000 $ 39,000 $ 56,000
Otoe, Nebraska 5 $ 739,000 $ 147,800 $ 75,000
Saline, Nebraska 5 $ 464,000 $ 92,800 $ 59,000
Stanton, Nebraska 5 $ 286,000 $ 57,200 $ 51,000
San Miguel, New Mexico 5 $ 526,000 $ 105,200 $ 49,000
Kingfisher, Oklahoma 5 $ 276,000 $ 55,200 $ 38,000
Lincoln, Oklahoma 5 $ 342,000 $ 68,400 $ 39,000
Love, Oklahoma 5 $ 348,000 $ 69,600 $ 51,000
Noble, Oklahoma 5 $ 1,517,000 $ 303,400 $ 88,000
Rogers, Oklahoma 5 $ 378,000 $ 75,600 $ 59,000
Woodward, Oklahoma 5 $ 611,000 $ 122,200 $ 70,000
Baker, Oregon 5 $ 650,000 $ 130,000 $ 75,000
Linn, Oregon 5 $ 1,175,000 $ 235,000 $ 68,000
Polk, Oregon 5 $ 923,000 $ 184,600 $ 72,000
Charles Mix, South Dakota 5 $ 634,000 $ 126,800 $ 48,000
San Benito, California 4 $ 893,000 $ 223,250 $ 79,000
Garfield, Colorado 4 $ 1,111,000 $ 277,750 $ 186,000
Black Hawk, Iowa 4 $ 606,000 $ 151,500 $ 118,000
Cerro Gordo, Iowa 4 $ 726,000 $ 181,500 $ 120,000
Hamilton, Iowa 4 $ 429,000 $ 107,250 $ 49,000
Keokuk, Iowa 4 $ 250,000 $ 62,500 $ 64,000
Monona, Iowa 4 $ 335,000 $ 83,750 $ 85,000
Monroe, Iowa 4 $ 289,000 $ 72,250 $ 109,000
Van Buren, Iowa 4 $ 391,000 $ 97,750 $ 111,000
Washington, Iowa 4 $ 143,000 $ 35,750 $ 74,000
Meade, Kansas 4 $ 122,000 $ 30,500 $ 67,000
Osage, Kansas 4 $ 518,000 $ 129,500 $ 45,000
Russell, Kansas 4 $ 190,000 $ 47,500 $ 59,000
Crow Wing, Minnesota 4 $ 2,705,000 $ 676,250 $ 790,000
Mille Lacs, Minnesota 4 $ 270,000 $ 67,500 $ 50,000
Murray, Minnesota 4 $ 474,000 $ 118,500 $ 208,000
Buchanan, Missouri 4 $ 531,000 $ 132,750 $ 84,000
Lafayette, Missouri 4 $ 506,000 $ 126,500 $ 66,000
St. Louis, Missouri 4 $ 333,000 $ 83,250 $ 31,000
Cedar, Nebraska 4 $ 270,000 $ 67,500 $ 45,000
Custer, Nebraska 4 $ 238,000 $ 59,500 $ 62,000
Rio Arriba, New Mexico 4 $ 897,000 $ 224,250 $ 377,000
Torrance, New Mexico 4 $ 210,000 $ 52,500 $ 52,000
Burleigh, North Dakota 4 $ 729,000 $ 182,250 $ 115,000
Creek, Oklahoma 4 $ 246,000 $ 61,500 $ 57,000
Grady, Oklahoma 4 $ 594,000 $ 148,500 $ 110,000
Grant, Oklahoma 4 $ 201,000 $ 50,250 $ 46,000
Jackson, Oregon 4 $ 1,294,000 $ 323,500 $ 528,000
Josephine, Oregon 4 $ 2,963,000 $ 740,750 $ 0
Beadle, South Dakota 4 $ 392,000 $ 98,000 $ 111,000
Lincoln, South Dakota 4 $ 811,000 $ 202,750 $ 145,000
Yankton, South Dakota 4 $ 722,000 $ 180,500 $ 62,000
Hot Springs, Wyoming 4 $ 498,000 $ 124,500 $ 71,000
Johnson, Wyoming 4 $ 758,000 $ 189,500 $ 57,000
Cochise, Arizona 3 $ 433,000 $ 144,333 $ 67,000
Santa Cruz, Arizona 3 $ 461,000 $ 153,666 $ 86,000
Lassen, California 3 $ 574,000 $ 191,333 $ 105,000
Mono, California 3 $ 1,175,000 $ 391,666 $ 209,000
Siskiyou, California 3 $ 819,000 $ 273,000 $ 638,000
Cheyenne, Colorado 3 $ 126,000 $ 42,000 $ 39,000
Pueblo, Colorado 3 $ 288,000 $ 96,000 $ 69,000
Rio Blanco, Colorado 3 $ 280,000 $ 93,333 $ 39,000
Teton, Idaho 3 $ 869,000 $ 289,666 $ 164,000
Adair, Iowa 3 $ 323,000 $ 107,666 $ 54,000
Audubon, Iowa 3 $ 289,000 $ 96,333 $ 45,000
Cass, Iowa 3 $ 187,000 $ 62,333 $ 102,000
Montgomery, Iowa 3 $ 232,000 $ 77,333 $ 63,000
Tama, Iowa 3 $ 302,000 $ 100,666 $ 54,000
Harper, Kansas 3 $ 58,000 $ 19,333 $ 34,000
Kingman, Kansas 3 $ 140,000 $ 46,666 $ 38,000
Miami, Kansas 3 $ 1,075,000 $ 358,333 $ 102,000
Rice, Kansas 3 $ 141,000 $ 47,000 $ 35,000
Scott, Kansas 3 $ 69,000 $ 23,000 $ 69,000
Shawnee, Kansas 3 $ 353,000 $ 117,666 $ 80,000
Stafford, Kansas 3 $ 45,000 $ 15,000 $ 37,000
Douglas, Minnesota 3 $ 607,000 $ 202,333 $ 277,000
Redwood, Minnesota 3 $ 159,000 $ 53,000 $ 67,000
Barry, Missouri 3 $ 627,000 $ 209,000 $ 294,000
Benton, Missouri 3 $ 276,000 $ 92,000 $ 83,000
Burt, Nebraska 3 $ 200,000 $ 66,666 $ 74,000
Cheyenne, Nebraska 3 $ 166,000 $ 55,333 $ 36,000
Colfax, Nebraska 3 $ 132,000 $ 44,000 $ 40,000
Keith, Nebraska 3 $ 276,000 $ 92,000 $ 64,000
Knox, Nebraska 3 $ 105,000 $ 35,000 $ 67,000
Scotts Bluff, Nebraska 3 $ 365,000 $ 121,666 $ 52,000
Lyon, Nevada 3 $ 179,000 $ 59,666 $ 36,000
Lincoln, New Mexico 3 $ 327,000 $ 109,000 $ 69,000
Comanche, Oklahoma 3 $ 147,000 $ 49,000 $ 74,000
Garvin, Oklahoma 3 $ 365,000 $ 121,666 $ 85,000
Wagoner, Oklahoma 3 $ 549,000 $ 183,000 $ 168,000
Benton, Oregon 3 $ 1,490,000 $ 496,666 $ 0
Clatsop, Oregon 3 $ 1,615,000 $ 538,333 $ 130,000
Curry, Oregon 3 $ 1,434,000 $ 478,000 $ 410,000
Sherman, Oregon 3 $ 252,000 $ 84,000 $ 70,000
Tillamook, Oregon 3 $ 782,000 $ 260,666 $ 592,000
Lawrence, South Dakota 3 $ 1,165,000 $ 388,333 $ 156,000
El Paso, Texas 3 $ 21,000 $ 7,000 $ 32,000
Daggett, Utah 3 $ 268,000 $ 89,333 $ 67,000
Sanpete, Utah 3 $ 406,000 $ 135,333 $ 61,000
Tooele, Utah 3 $ 1,255,000 $ 418,333 $ 137,000
Uintah, Utah 3 $ 507,000 $ 169,000 $ 45,000
San Juan, Washington 3 $ 1,578,000 $ 526,000 $ 147,000
Douglas, Wisconsin 3 $ 506,000 $ 168,666 $ 58,000
Yuma, Arizona 2 $ 486,000 $ 243,000 $ 139,000
Inyo, California 2 $ 760,000 $ 380,000 $ 121,000
Tehama, California 2 $ 799,000 $ 399,500 $ 21,000
Alamosa, Colorado 2 $ 286,000 $ 143,000 $ 52,000
Fremont, Colorado 2 $ 250,000 $ 125,000 $ 159,000
Hinsdale, Colorado 2 $ 200,000 $ 100,000 $ 55,000
Otero, Colorado 2 $ 184,000 $ 92,000 $ 54,000
Rio Grande, Colorado 2 $ 556,000 $ 278,000 $ 464,000
Yuma, Colorado 2 $ 20,000 $ 10,000 $ 44,000
Cassia, Idaho 2 $ 1,738,000 $ 869,000 $ 0
Elmore, Idaho 2 $ 904,000 $ 452,000 $ 205,000
Kootenai, Idaho 2 $ 490,000 $ 245,000 $ 265,000
Buchanan, Iowa 2 $ 233,000 $ 116,500 $ 40,000
Buena Vista, Iowa 2 $ 194,000 $ 97,000 $ 96,000
Chickasaw, Iowa 2 $ 127,000 $ 63,500 $ 90,000
Clayton, Iowa 2 $ 83,000 $ 41,500 $ 92,000
Grundy, Iowa 2 $ 38,000 $ 19,000 $ 91,000
Guthrie, Iowa 2 $ 425,000 $ 212,500 $ 110,000
Ida, Iowa 2 $ 199,000 $ 99,500 $ 42,000
Lee, Iowa 2 $ 142,000 $ 71,000 $ 44,000
Lucas, Iowa 2 $ 120,000 $ 60,000 $ 56,000
Muscatine, Iowa 2 $ 32,000 $ 16,000 $ 44,000
Pocahontas, Iowa 2 $ 109,000 $ 54,500 $ 98,000
Sac, Iowa 2 $ 71,000 $ 35,500 $ 76,000
Wright, Iowa 2 $ 212,000 $ 106,000 $ 81,000
Coffey, Kansas 2 $ 183,000 $ 91,500 $ 52,000
Crawford, Kansas 2 $ 55,000 $ 27,500 $ 172,000
Ellsworth, Kansas 2 $ 6,000 $ 3,000 $ 41,000
Lane, Kansas 2 $ 42,000 $ 21,000 $ 47,000
Linn, Kansas 2 $ 180,000 $ 90,000 $ 62,000
Lyon, Kansas 2 $ 51,000 $ 25,500 $ 67,000
McPherson, Kansas 2 $ 260,000 $ 130,000 $ 84,000
Thomas, Kansas 2 $ 106,000 $ 53,000 $ 61,000
Cass, Minnesota 2 $ 520,000 $ 260,000 $ 232,000
Hubbard, Minnesota 2 $ 350,000 $ 175,000 $ 206,000
Polk, Minnesota 2 $ 834,000 $ 417,000 $ 171,000
Sherburne, Minnesota 2 $ 161,000 $ 80,500 $ 47,000
Sibley, Minnesota 2 $ 199,000 $ 99,500 $ 33,000
Steele, Minnesota 2 $ 73,000 $ 36,500 $ 105,000
Todd, Minnesota 2 $ 298,000 $ 149,000 $ 84,000
Watonwan, Minnesota 2 $ 200,000 $ 100,000 $ 7,000
Wright, Minnesota 2 $ 256,000 $ 128,000 $ 50,000
Antelope, Nebraska 2 $ 83,000 $ 41,500 $ 71,000
Butler, Nebraska 2 $ 99,000 $ 49,500 $ 51,000
Jefferson, Nebraska 2 $ 149,000 $ 74,500 $ 36,000
Kimball, Nebraska 2 $ 100,000 $ 50,000 $ 54,000
Nance, Nebraska 2 $ 296,000 $ 148,000 $ 73,000
Pierce, Nebraska 2 $ 167,000 $ 83,500 $ 83,000
Seward, Nebraska 2 $ 256,000 $ 128,000 $ 46,000
Webster, Nebraska 2 $ 166,000 $ 83,000 $ 81,000
Elko, Nevada 2 $ 559,000 $ 279,500 $ 832,000
Nye, Nevada 2 $ 200,000 $ 100,000 $ 144,000
Cape May, New Jersey 2 $ 727,000 $ 363,500 $ 832,000
Chaves, New Mexico 2 $ 100,000 $ 50,000 $ 61,000
Cibola, New Mexico 2 $ 390,000 $ 195,000 $ 76,000
Colfax, New Mexico 2 $ 497,000 $ 248,500 $ 105,000
Eddy, New Mexico 2 $ 281,000 $ 140,500 $ 463,000
Grant, New Mexico 2 $ 487,000 $ 243,500 $ 79,000
Luna, New Mexico 2 $ 152,000 $ 76,000 $ 58,000
Otero, New Mexico 2 $ 164,000 $ 82,000 $ 53,000
McHenry, North Dakota 2 $ 293,000 $ 146,500 $ 125,000
Traill, North Dakota 2 $ 164,000 $ 82,000 $ 43,000
Franklin, Ohio 2 $ 750,000 $ 375,000 $ 0
Tuscarawas, Ohio 2 $ 2,680,000 $ 1,340,000 $ 0
Alfalfa, Oklahoma 2 $ 134,000 $ 67,000 $ 61,000
Atoka, Oklahoma 2 $ 66,000 $ 33,000 $ 79,000
Blaine, Oklahoma 2 $ 175,000 $ 87,500 $ 46,000
Delaware, Oklahoma 2 $ 420,000 $ 210,000 $ 758,000
Muskogee, Oklahoma 2 $ 220,000 $ 110,000 $ 40,000
Nowata, Oklahoma 2 $ 75,000 $ 37,500 $ 14,000
Pittsburg, Oklahoma 2 $ 12,000 $ 6,000 $ 45,000
Klamath, Oregon 2 $ 470,000 $ 235,000 $ 61,000
Bon Homme, South Dakota 2 $ 273,000 $ 136,500 $ 110,000
Brookings, South Dakota 2 $ 454,000 $ 227,000 $ 196,000
Brown, South Dakota 2 $ 225,000 $ 112,500 $ 80,000
Codington, South Dakota 2 $ 323,000 $ 161,500 $ 63,000
Douglas, South Dakota 2 $ 66,000 $ 33,000 $ 60,000
Hand, South Dakota 2 $ 263,000 $ 131,500 $ 70,000
Pennington, South Dakota 2 $ 421,000 $ 210,500 $ 60,000
Turner, South Dakota 2 $ 170,000 $ 85,000 $ 45,000
Dallas, Texas 2 $ 5,650,000 $ 2,825,000 $ 0
Hidalgo, Texas 2 $ 19,000 $ 9,500 $ 77,000
Kane, Utah 2 $ 223,000 $ 111,500 $ 87,000
Clallam, Washington 2 $ 547,000 $ 273,500 $ 111,000
Klickitat, Washington 2 $ 419,000 $ 209,500 $ 36,000
Pierce, Washington 2 $ 249,000 $ 124,500 $ 47,000
Whatcom, Washington 2 $ 184,000 $ 92,000 $ 67,000
Milwaukee, Wisconsin 2 $ 218,000 $ 109,000 $ 49,000
Crook, Wyoming 2 $ 416,000 $ 208,000 $ 86,000
Graham, Arizona 1 $ 2,000 $ 2,000 $ 29,000
La Paz, Arizona 1 $ 75,000 $ 75,000 $ 53,000
Benton, Arkansas 1 $ 100,000 $ 100,000 $ 29,000
Alpine, California 1 $ 320,000 $ 320,000 $ 59,000
Colusa, California 1 $ 221,000 $ 221,000 $ 71,000
Humboldt, California 1 $ 100,000 $ 100,000 $ 101,000
Imperial, California 1 $ 71,000 $ 71,000 $ 215,000
Plumas, California 1 $ 300,000 $ 300,000 $ 270,000
Sierra, California 1 $ 417,000 $ 417,000 $ 188,000
Archuleta, Colorado 1 $ 392,000 $ 392,000 $ 125,000
Conejos, Colorado 1 $ 15,000 $ 15,000 $ 22,000
Gilpin, Colorado 1 $ 275,000 $ 275,000 $ 55,000
Jackson, Colorado 1 $ 128,000 $ 128,000 $ 35,000
Lake, Colorado 1 $ 407,000 $ 407,000 $ 137,000
Montezuma, Colorado 1 $ 94,000 $ 94,000 $ 114,000
Saguache, Colorado 1 $ 109,000 $ 109,000 $ 94,000
San Miguel, Colorado 1 $ 290,000 $ 290,000 $ 90,000
Teller, Colorado 1 $ 302,000 $ 302,000 $ 110,000
Washington, Colorado 1 $ 80,000 $ 80,000 $ 45,000
Adams, Idaho 1 $ 52,000 $ 52,000 $ 214,000
Bingham, Idaho 1 $ 140,000 $ 140,000 $ 127,000
Bonner, Idaho 1 $ 125,000 $ 125,000 $ 70,000
Bonneville, Idaho 1 $ 177,000 $ 177,000 $ 66,000
Gem, Idaho 1 $ 115,000 $ 115,000 $ 0
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Mortgage Loan Application Detail Totals for Bank of the West in 2012

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 14,410 $4,072,081,000 $282,000 $16,500,000 $131,000 $8,535,000
Home Purchase 5,669 $1,510,996,000 $266,000 $6,000,000 $127,000 $9,999,000
Home Improvement 2,214 $190,425,000 $86,000 $3,000,000 $72,000 $3,002,000

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 15,014 $3,603,655,000 $240,000 $6,500,000 $127,000 $9,999,000
Not Provided 2,525 $772,554,000 $305,000 $5,000,000 $149,000 $8,154,000
Hispanic 2,006 $333,296,000 $166,000 $1,600,000 $76,000 $2,640,000
Asian 1,711 $659,395,000 $385,000 $3,390,000 $164,000 $2,536,000
Not applicable 492 $309,278,000 $628,000 $16,500,000 $0 $0
Black or African American 342 $56,327,000 $164,000 $2,300,000 $79,000 $1,100,000
American Indian or Alaskan Native 107 $13,498,000 $126,000 $1,007,000 $104,000 $1,384,000
Native Hawaiian or Other Pacific Islander 96 $25,499,000 $265,000 $1,608,000 $133,000 $1,527,000

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) 19,904 $5,405,384,000 $271,000 $16,500,000 $131,000 $9,999,000
FHA-insured (Federal Housing Administration) 1,821 $281,139,000 $154,000 $728,000 $62,000 $1,032,000
VA-guaranteed (Veterans Administration) 418 $70,405,000 $168,000 $708,000 $65,000 $434,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 150 $16,574,000 $110,000 $316,000 $41,000 $112,000

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 12,098 $3,133,965,000 $259,000 $16,500,000 $131,000 $8,154,000
Application Denied By Financial Institution 5,509 $1,319,008,000 $239,000 $4,700,000 $104,000 $8,535,000
Application Approved But Not Accepted 2,513 $705,290,000 $280,000 $6,000,000 $141,000 $9,999,000
Application Withdrawn By Applicant 1,093 $308,151,000 $281,000 $3,800,000 $133,000 $3,000,000
Preapproval Denied by Financial Institution 574 $127,348,000 $221,000 $2,000,000 $68,000 $565,000
Preapproval Approved but not Accepted 426 $154,231,000 $362,000 $2,475,000 $123,000 $1,489,000
File Closed For Incompleteness 57 $21,451,000 $376,000 $2,650,000 $176,000 $1,203,000
Loan Purchased By The Institution 23 $4,058,000 $176,000 $403,000 $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 1,929 $251,376,000 $130,000 $4,000,000 $86,000 $8,535,000
Debt-To-Income Ratio 1,748 $527,444,000 $301,000 $3,000,000 $63,000 $1,735,000
Collateral 1,456 $404,377,000 $277,000 $3,600,000 $134,000 $3,253,000
Other 347 $116,165,000 $334,000 $4,700,000 $216,000 $6,714,000
Credit Application Incomplete 266 $79,432,000 $298,000 $2,000,000 $121,000 $1,771,000
Unverifiable Information 140 $22,807,000 $162,000 $2,499,000 $116,000 $1,370,000
Insufficient Cash (Downpayment, Closing Cost) 120 $32,899,000 $274,000 $2,300,000 $117,000 $1,100,000
Employment History 69 $10,960,000 $158,000 $970,000 $58,000 $348,000
Mortgage Insurance Denied 8 $896,000 $112,000 $223,000 $53,000 $133,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2012 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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