Bank of the West Mortgage Lending & HMDA Data, 2013

In 2013, Bank of the West of San Francisco, CA reported 19,039 mortgage applications totaling $5.3 billion, down 15% from 2012. The average application was for $277,570, and applicants reported an average income of $126,405. 54% of its applications resulted in an originated loan and 19% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,460), Denver-Aurora-Broomfield, CO (1,377) and Oakland-Fremont-Hayward, CA (1,071) (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 19,039
Total Mortgage Loan Application Amount $5,284,670,000
Average Mortgage Loan Application Amount $277,570
Highest Mortgage Loan Application Amount $62,000,000
Average Applicant Income $126,405
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2013

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 1,460 $ 660,471,000 $ 452,377 $ 192,000
Santa Clara, California 573 $ 263,298,000 $ 459,507 $ 176,000
Alameda, California 562 $ 215,063,000 $ 382,674 $ 136,000
Contra Costa, California 509 $ 187,191,000 $ 367,762 $ 125,000
Orange, California 504 $ 295,861,000 $ 587,025 $ 262,000
Douglas, Nebraska 493 $ 63,883,000 $ 129,580 $ 91,000
Stanislaus, California 484 $ 88,329,000 $ 182,497 $ 118,000
Bernalillo, New Mexico 460 $ 74,927,000 $ 162,884 $ 83,000
San Joaquin, California 406 $ 72,883,000 $ 179,514 $ 94,000
Jefferson, Colorado 385 $ 101,685,000 $ 264,116 $ 105,000
San Francisco, California 344 $ 219,518,000 $ 638,133 $ 240,000
Polk, Iowa 313 $ 38,306,000 $ 122,383 $ 75,000
Denver, Colorado 309 $ 85,261,000 $ 275,925 $ 139,000
Sonoma, California 281 $ 95,088,000 $ 338,391 $ 128,000
Sedgwick, Kansas 244 $ 22,795,000 $ 93,422 $ 72,000
Arapahoe, Colorado 230 $ 62,191,000 $ 270,395 $ 121,000
Adams, Colorado 201 $ 41,163,000 $ 204,791 $ 80,000
Sacramento, California 200 $ 57,205,000 $ 286,025 $ 140,000
San Mateo, California 185 $ 101,481,000 $ 548,545 $ 150,000
San Diego, California 165 $ 70,652,000 $ 428,193 $ 199,000
Fresno, California 164 $ 25,354,000 $ 154,597 $ 93,000
Clark, Nevada 156 $ 46,988,000 $ 301,205 $ 247,000
San Bernardino, California 155 $ 42,531,000 $ 274,393 $ 172,000
Washington, Oregon 153 $ 40,614,000 $ 265,450 $ 103,000
Douglas, Colorado 148 $ 55,442,000 $ 374,608 $ 172,000
Multnomah, Oregon 141 $ 46,729,000 $ 331,411 $ 94,000
Boulder, Colorado 139 $ 49,896,000 $ 358,964 $ 207,000
Jackson, Missouri 137 $ 24,923,000 $ 181,919 $ 99,000
Pima, Arizona 128 $ 32,181,000 $ 251,414 $ 107,000
Riverside, California 127 $ 43,355,000 $ 341,377 $ 212,000
Lancaster, Nebraska 127 $ 11,172,000 $ 87,968 $ 66,000
Sarpy, Nebraska 125 $ 15,635,000 $ 125,080 $ 78,000
Ventura, California 117 $ 54,704,000 $ 467,555 $ 238,000
Solano, California 116 $ 24,750,000 $ 213,362 $ 109,000
Linn, Iowa 112 $ 10,570,000 $ 94,375 $ 64,000
Marin, California 110 $ 69,464,000 $ 631,490 $ 233,000
Tulare, California 108 $ 15,896,000 $ 147,185 $ 84,000
Johnson, Kansas 107 $ 82,999,000 $ 775,691 $ 115,000
Garfield, Oklahoma 105 $ 7,027,000 $ 66,923 $ 67,000
Napa, California 101 $ 41,997,000 $ 415,811 $ 143,000
Sandoval, New Mexico 98 $ 18,361,000 $ 187,357 $ 85,000
Santa Barbara, California 97 $ 69,100,000 $ 712,371 $ 278,000
Ford, Kansas 96 $ 8,847,000 $ 92,156 $ 66,000
Monterey, California 95 $ 74,875,000 $ 788,157 $ 353,000
Placer, California 95 $ 34,916,000 $ 367,536 $ 237,000
Santa Cruz, California 95 $ 45,975,000 $ 483,947 $ 215,000
Larimer, Colorado 94 $ 18,531,000 $ 197,138 $ 89,000
Weld, Colorado 94 $ 15,989,000 $ 170,095 $ 90,000
Ada, Idaho 86 $ 15,681,000 $ 182,337 $ 98,000
Clackamas, Oregon 86 $ 29,262,000 $ 340,255 $ 103,000
Sweetwater, Wyoming 83 $ 12,967,000 $ 156,228 $ 68,000
Cass, North Dakota 81 $ 22,274,000 $ 274,987 $ 78,000
Butte, California 80 $ 9,394,000 $ 117,425 $ 66,000
El Dorado, California 77 $ 24,572,000 $ 319,116 $ 125,000
Boone, Iowa 76 $ 4,802,000 $ 63,184 $ 55,000
Montrose, Colorado 73 $ 9,810,000 $ 134,383 $ 71,000
Valencia, New Mexico 70 $ 9,369,000 $ 133,842 $ 60,000
Lincoln, Oregon 70 $ 8,119,000 $ 115,985 $ 68,000
Nevada, California 68 $ 16,997,000 $ 249,955 $ 127,000
Kern, California 67 $ 13,068,000 $ 195,044 $ 113,000
Kings, California 67 $ 8,069,000 $ 120,432 $ 74,000
Dona Ana, New Mexico 67 $ 5,297,000 $ 79,059 $ 55,000
Maricopa, Arizona 65 $ 29,624,000 $ 455,753 $ 225,000
Otter Tail, Minnesota 64 $ 9,198,000 $ 143,718 $ 84,000
Washoe, Nevada 61 $ 21,005,000 $ 344,344 $ 152,000
Summit, Colorado 59 $ 25,277,000 $ 428,423 $ 263,000
Lake, California 56 $ 6,896,000 $ 123,142 $ 55,000
Butler, Kansas 55 $ 6,492,000 $ 118,036 $ 89,000
Oklahoma, Oklahoma 55 $ 12,649,000 $ 229,981 $ 435,000
Laramie, Wyoming 54 $ 8,095,000 $ 149,907 $ 57,000
Salt Lake, Utah 50 $ 19,020,000 $ 380,400 $ 135,000
Lyon, Minnesota 49 $ 5,788,000 $ 118,122 $ 68,000
Navajo, Arizona 48 $ 3,170,000 $ 66,041 $ 54,000
Elbert, Colorado 48 $ 11,951,000 $ 248,979 $ 88,000
Dallas, Iowa 48 $ 6,257,000 $ 130,354 $ 102,000
Franklin, Kansas 48 $ 4,602,000 $ 95,875 $ 63,000
Carroll, Iowa 47 $ 3,954,000 $ 84,127 $ 61,000
Pinal, Arizona 46 $ 5,098,000 $ 110,826 $ 67,000
Natrona, Wyoming 46 $ 7,258,000 $ 157,782 $ 69,000
Warren, Iowa 45 $ 3,958,000 $ 87,955 $ 66,000
Box Butte, Nebraska 45 $ 4,101,000 $ 91,133 $ 87,000
Lincoln, Nebraska 45 $ 3,317,000 $ 73,711 $ 73,000
Pottawattamie, Iowa 44 $ 4,633,000 $ 105,295 $ 69,000
Canyon, Idaho 43 $ 5,912,000 $ 137,488 $ 70,000
Yolo, California 41 $ 12,645,000 $ 308,414 $ 70,000
Las Animas, Colorado 41 $ 3,370,000 $ 82,195 $ 65,000
Winneshiek, Iowa 39 $ 5,756,000 $ 147,589 $ 77,000
Hall, Nebraska 39 $ 3,766,000 $ 96,564 $ 52,000
Lincoln, Wyoming 39 $ 5,262,000 $ 134,923 $ 84,000
Mesa, Colorado 38 $ 4,941,000 $ 130,026 $ 85,000
Clay, Missouri 37 $ 5,938,000 $ 160,486 $ 84,000
Washington, Oklahoma 37 $ 3,749,000 $ 101,324 $ 84,000
Carbon, Wyoming 37 $ 3,515,000 $ 95,000 $ 54,000
Tulsa, Oklahoma 35 $ 3,162,000 $ 90,342 $ 76,000
Apache, Arizona 34 $ 2,304,000 $ 67,764 $ 44,000
Decatur, Iowa 34 $ 2,229,000 $ 65,558 $ 54,000
Coconino, Arizona 33 $ 4,201,000 $ 127,303 $ 64,000
Gunnison, Colorado 33 $ 11,930,000 $ 361,515 $ 167,000
Dawes, Nebraska 33 $ 3,293,000 $ 99,787 $ 65,000
Platte, Nebraska 33 $ 2,469,000 $ 74,818 $ 60,000
Washburn, Wisconsin 33 $ 2,611,000 $ 79,121 $ 55,000
Story, Iowa 32 $ 3,531,000 $ 110,343 $ 79,000
Kay, Oklahoma 32 $ 1,548,000 $ 48,375 $ 49,000
Benton, Washington 32 $ 6,789,000 $ 212,156 $ 94,000
Moffat, Colorado 31 $ 4,356,000 $ 140,516 $ 73,000
Harvey, Kansas 31 $ 3,051,000 $ 98,419 $ 61,000
Finney, Kansas 30 $ 2,700,000 $ 90,000 $ 50,000
Sublette, Wyoming 30 $ 5,146,000 $ 171,533 $ 71,000
Merced, California 29 $ 5,469,000 $ 188,586 $ 74,000
Swift, Minnesota 29 $ 2,723,000 $ 93,896 $ 83,000
Madison, Nebraska 29 $ 2,191,000 $ 75,551 $ 49,000
Clay, South Dakota 29 $ 4,001,000 $ 137,965 $ 88,000
Platte, Missouri 28 $ 4,942,000 $ 176,500 $ 88,000
Dodge, Nebraska 28 $ 3,541,000 $ 126,464 $ 72,000
Gila, Arizona 27 $ 1,284,000 $ 47,555 $ 55,000
Houston, Minnesota 27 $ 2,582,000 $ 95,629 $ 61,000
Umatilla, Oregon 27 $ 3,020,000 $ 111,851 $ 50,000
Blaine, Idaho 26 $ 11,515,000 $ 442,884 $ 272,000
Buffalo, Nebraska 26 $ 2,212,000 $ 85,076 $ 67,000
Cleveland, Oklahoma 26 $ 2,962,000 $ 113,923 $ 89,000
Grand, Colorado 25 $ 6,456,000 $ 258,240 $ 127,000
Seminole, Oklahoma 25 $ 1,443,000 $ 57,720 $ 48,000
Yakima, Washington 25 $ 3,588,000 $ 143,520 $ 41,000
Calaveras, California 24 $ 4,209,000 $ 175,375 $ 110,000
Fremont, Wyoming 24 $ 3,883,000 $ 161,791 $ 65,000
Park, Wyoming 24 $ 4,605,000 $ 191,875 $ 101,000
Kit Carson, Colorado 23 $ 2,889,000 $ 125,608 $ 55,000
Park, Colorado 23 $ 3,324,000 $ 144,521 $ 100,000
Routt, Colorado 23 $ 8,859,000 $ 385,173 $ 427,000
Johnson, Iowa 23 $ 3,100,000 $ 134,782 $ 106,000
Shelby, Iowa 23 $ 1,861,000 $ 80,913 $ 60,000
Woodbury, Iowa 23 $ 1,601,000 $ 69,608 $ 53,000
Barton, Kansas 23 $ 843,000 $ 36,652 $ 55,000
Clay, Minnesota 23 $ 2,540,000 $ 110,434 $ 62,000
Stevens, Minnesota 23 $ 1,954,000 $ 84,956 $ 100,000
Utah, Utah 23 $ 9,784,000 $ 425,391 $ 383,000
Clark, Washington 23 $ 11,428,000 $ 496,869 $ 487,000
Washakie, Wyoming 23 $ 2,499,000 $ 108,652 $ 49,000
Sheridan, Nebraska 22 $ 1,335,000 $ 60,681 $ 40,000
Pontotoc, Oklahoma 22 $ 2,763,000 $ 125,590 $ 136,000
Franklin, Washington 22 $ 5,849,000 $ 265,863 $ 43,000
Delta, Colorado 21 $ 2,408,000 $ 114,666 $ 69,000
Gage, Nebraska 21 $ 1,059,000 $ 50,428 $ 60,000
Richland, North Dakota 21 $ 1,692,000 $ 80,571 $ 64,000
Reno, Kansas 20 $ 1,472,000 $ 73,600 $ 55,000
Stearns, Minnesota 20 $ 3,155,000 $ 157,750 $ 127,000
Cass, Missouri 20 $ 3,651,000 $ 182,550 $ 105,000
Saunders, Nebraska 20 $ 2,745,000 $ 137,250 $ 94,000
El Paso, Colorado 19 $ 3,937,000 $ 207,210 $ 114,000
Wapello, Iowa 19 $ 1,138,000 $ 59,894 $ 74,000
Cottonwood, Minnesota 19 $ 1,420,000 $ 74,736 $ 61,000
Payne, Oklahoma 19 $ 900,000 $ 47,368 $ 72,000
Mohave, Arizona 18 $ 4,057,000 $ 225,388 $ 107,000
Logan, Colorado 18 $ 2,215,000 $ 123,055 $ 67,000
Davis, Iowa 18 $ 1,640,000 $ 91,111 $ 71,000
Harrison, Iowa 18 $ 1,350,000 $ 75,000 $ 55,000
Cass, Nebraska 18 $ 2,956,000 $ 164,222 $ 78,000
Carson City, Nevada 18 $ 3,934,000 $ 218,555 $ 148,000
Union, South Dakota 18 $ 1,902,000 $ 105,666 $ 76,000
Broomfield, Colorado 17 $ 4,097,000 $ 241,000 $ 105,000
Lincoln, Minnesota 17 $ 1,073,000 $ 63,117 $ 40,000
Wilkin, Minnesota 17 $ 1,586,000 $ 93,294 $ 43,000
Cherry, Nebraska 17 $ 896,000 $ 52,705 $ 56,000
Deschutes, Oregon 17 $ 4,636,000 $ 272,705 $ 241,000
Summit, Utah 17 $ 16,226,000 $ 954,470 $ 413,000
Kittitas, Washington 17 $ 2,652,000 $ 156,000 $ 117,000
Albany, Wyoming 17 $ 2,438,000 $ 143,411 $ 104,000
Uinta, Wyoming 17 $ 2,188,000 $ 128,705 $ 70,000
Yavapai, Arizona 16 $ 2,800,000 $ 175,000 $ 70,000
Hennepin, Minnesota 16 $ 5,175,000 $ 323,437 $ 157,000
Marion, Oregon 16 $ 6,614,000 $ 413,375 $ 34,000
Campbell, Wyoming 16 $ 2,334,000 $ 145,875 $ 90,000
Chaffee, Colorado 15 $ 3,134,000 $ 208,933 $ 69,000
Anoka, Minnesota 15 $ 4,944,000 $ 329,600 $ 77,000
Douglas, Nevada 15 $ 5,281,000 $ 352,066 $ 155,000
Carter, Oklahoma 15 $ 1,647,000 $ 109,800 $ 74,000
Wasco, Oregon 15 $ 2,448,000 $ 163,200 $ 76,000
Sheridan, Wyoming 15 $ 2,598,000 $ 173,200 $ 88,000
Phillips, Colorado 14 $ 1,704,000 $ 121,714 $ 65,000
Valley, Idaho 14 $ 2,996,000 $ 214,000 $ 241,000
Cowley, Kansas 14 $ 1,094,000 $ 78,142 $ 68,000
Tuolumne, California 13 $ 2,778,000 $ 213,692 $ 116,000
Stark, North Dakota 13 $ 1,383,000 $ 106,384 $ 57,000
San Luis Obispo, California 12 $ 5,286,000 $ 440,500 $ 191,000
Douglas, Kansas 12 $ 1,751,000 $ 145,916 $ 98,000
Sumner, Kansas 12 $ 959,000 $ 79,916 $ 74,000
Fillmore, Minnesota 12 $ 1,967,000 $ 163,916 $ 211,000
Clear Creek, Colorado 11 $ 9,790,000 $ 890,000 $ 284,000
Morgan, Colorado 11 $ 1,818,000 $ 165,272 $ 83,000
Jones, Iowa 11 $ 800,000 $ 72,727 $ 39,000
Marshall, Iowa 11 $ 889,000 $ 80,818 $ 129,000
Scott, Iowa 11 $ 468,000 $ 42,545 $ 82,000
Seward, Kansas 11 $ 552,000 $ 50,181 $ 59,000
Becker, Minnesota 11 $ 2,867,000 $ 260,636 $ 247,000
Columbia, Oregon 11 $ 2,010,000 $ 182,727 $ 38,000
Spink, South Dakota 11 $ 714,000 $ 64,909 $ 47,000
Davis, Utah 11 $ 6,489,000 $ 589,909 $ 183,000
King, Washington 11 $ 4,639,000 $ 421,727 $ 216,000
Sutter, California 10 $ 1,965,000 $ 196,500 $ 97,000
Morrill, Nebraska 10 $ 690,000 $ 69,000 $ 69,000
Osage, Oklahoma 10 $ 603,000 $ 60,300 $ 70,000
Malheur, Oregon 10 $ 1,552,000 $ 155,200 $ 72,000
Washington, Utah 10 $ 2,614,000 $ 261,400 $ 179,000
Converse, Wyoming 10 $ 1,025,000 $ 102,500 $ 70,000
Madera, California 9 $ 1,446,000 $ 160,666 $ 76,000
Eagle, Colorado 9 $ 9,091,000 $ 1,010,111 $ 793,000
Grant, Minnesota 9 $ 793,000 $ 88,111 $ 54,000
Pope, Minnesota 9 $ 1,547,000 $ 171,888 $ 93,000
Harrison, Missouri 9 $ 975,000 $ 108,333 $ 117,000
Dakota, Nebraska 9 $ 652,000 $ 72,444 $ 51,000
Jefferson, Oregon 9 $ 2,916,000 $ 324,000 $ 226,000
Yamhill, Oregon 9 $ 2,904,000 $ 322,666 $ 147,000
Charles Mix, South Dakota 9 $ 1,184,000 $ 131,555 $ 80,000
Wasatch, Utah 9 $ 4,569,000 $ 507,666 $ 509,000
Burnett, Wisconsin 9 $ 714,000 $ 79,333 $ 47,000
Niobrara, Wyoming 9 $ 427,000 $ 47,444 $ 39,000
Platte, Wyoming 9 $ 1,199,000 $ 133,222 $ 78,000
Teton, Wyoming 9 $ 3,486,000 $ 387,333 $ 211,000
Amador, California 8 $ 1,163,000 $ 145,375 $ 112,000
Mariposa, California 8 $ 1,724,000 $ 215,500 $ 114,000
Ouray, Colorado 8 $ 2,830,000 $ 353,750 $ 145,000
Ringgold, Iowa 8 $ 825,000 $ 103,125 $ 50,000
Hodgeman, Kansas 8 $ 965,000 $ 120,625 $ 173,000
Pawnee, Kansas 8 $ 332,000 $ 41,500 $ 64,000
Wyandotte, Kansas 8 $ 3,635,000 $ 454,375 $ 34,000
Morrison, Minnesota 8 $ 571,000 $ 71,375 $ 67,000
Traverse, Minnesota 8 $ 481,000 $ 60,125 $ 92,000
Washington, Nebraska 8 $ 941,000 $ 117,625 $ 49,000
Santa Fe, New Mexico 8 $ 3,951,000 $ 493,875 $ 242,000
Rogers, Oklahoma 8 $ 1,127,000 $ 140,875 $ 137,000
Mendocino, California 7 $ 3,954,000 $ 564,857 $ 84,000
Allamakee, Iowa 7 $ 648,000 $ 92,571 $ 59,000
Benton, Iowa 7 $ 584,000 $ 83,428 $ 59,000
Sac, Iowa 7 $ 730,000 $ 104,285 $ 62,000
Gray, Kansas 7 $ 960,000 $ 137,142 $ 63,000
Leavenworth, Kansas 7 $ 1,348,000 $ 192,571 $ 108,000
Dakota, Minnesota 7 $ 1,741,000 $ 248,714 $ 62,000
Norman, Minnesota 7 $ 567,000 $ 81,000 $ 46,000
Lyon, Nevada 7 $ 960,000 $ 137,142 $ 76,000
Golden Valley, North Dakota 7 $ 437,000 $ 62,428 $ 112,000
Pottawatomie, Oklahoma 7 $ 524,000 $ 74,857 $ 47,000
Tillamook, Oregon 7 $ 1,217,000 $ 173,857 $ 98,000
Fall River, South Dakota 7 $ 997,000 $ 142,428 $ 74,000
Mahaska, Iowa 6 $ 421,000 $ 70,166 $ 68,000
Mills, Iowa 6 $ 628,000 $ 104,666 $ 97,000
Rice, Kansas 6 $ 250,000 $ 41,666 $ 71,000
Jackson, Minnesota 6 $ 391,000 $ 65,166 $ 44,000
Nobles, Minnesota 6 $ 711,000 $ 118,500 $ 54,000
Ramsey, Minnesota 6 $ 1,687,000 $ 281,166 $ 52,000
Canadian, Oklahoma 6 $ 736,000 $ 122,666 $ 88,000
Coos, Oregon 6 $ 3,166,000 $ 527,666 $ 110,000
Yankton, South Dakota 6 $ 1,035,000 $ 172,500 $ 97,000
Weber, Utah 6 $ 1,478,000 $ 246,333 $ 137,000
Goshen, Wyoming 6 $ 799,000 $ 133,166 $ 62,000
Gilpin, Colorado 5 $ 1,278,000 $ 255,600 $ 125,000
Howard, Iowa 5 $ 465,000 $ 93,000 $ 49,000
Madison, Iowa 5 $ 409,000 $ 81,800 $ 92,000
Edwards, Kansas 5 $ 274,000 $ 54,800 $ 59,000
Ellis, Kansas 5 $ 14,000 $ 2,800 $ 70,000
Marion, Kansas 5 $ 195,000 $ 39,000 $ 57,000
Osage, Kansas 5 $ 623,000 $ 124,600 $ 34,000
Russell, Kansas 5 $ 648,000 $ 129,600 $ 80,000
Lafayette, Missouri 5 $ 833,000 $ 166,600 $ 156,000
Butler, Nebraska 5 $ 264,000 $ 52,800 $ 64,000
Saline, Nebraska 5 $ 228,000 $ 45,600 $ 39,000
Stanton, Nebraska 5 $ 530,000 $ 106,000 $ 92,000
Rio Arriba, New Mexico 5 $ 454,000 $ 90,800 $ 62,000
Socorro, New Mexico 5 $ 369,000 $ 73,800 $ 59,000
Griggs, North Dakota 5 $ 461,000 $ 92,200 $ 109,000
Ward, North Dakota 5 $ 1,738,000 $ 347,600 $ 274,000
Cherokee, Oklahoma 5 $ 530,000 $ 106,000 $ 77,000
Hughes, Oklahoma 5 $ 533,000 $ 106,600 $ 62,000
Lincoln, Oklahoma 5 $ 415,000 $ 83,000 $ 62,000
Major, Oklahoma 5 $ 396,000 $ 79,200 $ 77,000
Nowata, Oklahoma 5 $ 184,000 $ 36,800 $ 58,000
Linn, Oregon 5 $ 830,000 $ 166,000 $ 43,000
Beadle, South Dakota 5 $ 571,000 $ 114,200 $ 24,000
Perkins, South Dakota 5 $ 344,000 $ 68,800 $ 45,000
Daggett, Utah 5 $ 502,000 $ 100,400 $ 56,000
Walla Walla, Washington 5 $ 637,000 $ 127,400 $ 74,000
Sawyer, Wisconsin 5 $ 452,000 $ 90,400 $ 39,000
Graham, Arizona 4 $ 224,000 $ 56,000 $ 30,000
Mono, California 4 $ 1,690,000 $ 422,500 $ 386,000
Plumas, California 4 $ 519,000 $ 129,750 $ 116,000
Shasta, California 4 $ 832,000 $ 208,000 $ 67,000
Fremont, Colorado 4 $ 1,181,000 $ 295,250 $ 64,000
Pitkin, Colorado 4 $ 2,628,000 $ 657,000 $ 423,000
San Miguel, Colorado 4 $ 817,000 $ 204,250 $ 155,000
Gem, Idaho 4 $ 163,000 $ 40,750 $ 33,000
Washington, Idaho 4 $ 834,000 $ 208,500 $ 77,000
Crawford, Iowa 4 $ 420,000 $ 105,000 $ 65,000
Iowa, Iowa 4 $ 506,000 $ 126,500 $ 67,000
Anderson, Kansas 4 $ 468,000 $ 117,000 $ 64,000
Yellow Medicine, Minnesota 4 $ 140,000 $ 35,000 $ 26,000
Adams, Nebraska 4 $ 235,000 $ 58,750 $ 52,000
Colfax, Nebraska 4 $ 237,000 $ 59,250 $ 46,000
Dixon, Nebraska 4 $ 525,000 $ 131,250 $ 95,000
Seward, Nebraska 4 $ 444,000 $ 111,000 $ 97,000
Mineral, Nevada 4 $ 692,000 $ 173,000 $ 20,000
Torrance, New Mexico 4 $ 113,000 $ 28,250 $ 26,000
Wagoner, Oklahoma 4 $ 234,000 $ 58,500 $ 48,000
Benton, Oregon 4 $ 1,382,000 $ 345,500 $ 250,000
Josephine, Oregon 4 $ 1,329,000 $ 332,250 $ 315,000
Polk, Oregon 4 $ 1,425,000 $ 356,250 $ 36,000
Minnehaha, South Dakota 4 $ 412,000 $ 103,000 $ 51,000
Pennington, South Dakota 4 $ 563,000 $ 140,750 $ 68,000
Klickitat, Washington 4 $ 463,000 $ 115,750 $ 77,000
Snohomish, Washington 4 $ 1,525,000 $ 381,250 $ 25,000
Whatcom, Washington 4 $ 1,417,000 $ 354,250 $ 129,000
Douglas, Wisconsin 4 $ 168,000 $ 42,000 $ 41,000
Big Horn, Wyoming 4 $ 645,000 $ 161,250 $ 86,000
San Benito, California 3 $ 476,000 $ 158,666 $ 151,000
Yuba, California 3 $ 276,000 $ 92,000 $ 78,000
Rio Blanco, Colorado 3 $ 460,000 $ 153,333 $ 50,000
Teller, Colorado 3 $ 1,635,000 $ 545,000 $ 83,000
Bannock, Idaho 3 $ 335,000 $ 111,666 $ 44,000
Kootenai, Idaho 3 $ 1,414,000 $ 471,333 $ 192,000
Payette, Idaho 3 $ 1,065,000 $ 355,000 $ 53,000
Teton, Idaho 3 $ 348,000 $ 116,000 $ 128,000
Black Hawk, Iowa 3 $ 183,000 $ 61,000 $ 49,000
Chickasaw, Iowa 3 $ 46,000 $ 15,333 $ 41,000
Dickinson, Iowa 3 $ 363,000 $ 121,000 $ 85,000
Greene, Iowa 3 $ 230,000 $ 76,666 $ 44,000
Guthrie, Iowa 3 $ 436,000 $ 145,333 $ 134,000
Ida, Iowa 3 $ 442,000 $ 147,333 $ 41,000
Jasper, Iowa 3 $ 153,000 $ 51,000 $ 39,000
Washington, Iowa 3 $ 247,000 $ 82,333 $ 58,000
Coffey, Kansas 3 $ 383,000 $ 127,666 $ 90,000
Geary, Kansas 3 $ 745,000 $ 248,333 $ 196,000
Kearny, Kansas 3 $ 351,000 $ 117,000 $ 70,000
Mitchell, Kansas 3 $ 231,000 $ 77,000 $ 81,000
Pratt, Kansas 3 $ 160,000 $ 53,333 $ 71,000
Crow Wing, Minnesota 3 $ 2,662,000 $ 887,333 $ 201,000
Kandiyohi, Minnesota 3 $ 497,000 $ 165,666 $ 69,000
Scott, Minnesota 3 $ 1,414,000 $ 471,333 $ 135,000
Sherburne, Minnesota 3 $ 1,166,000 $ 388,666 $ 62,000
St. Louis, Minnesota 3 $ 352,000 $ 117,333 $ 96,000
Dawson, Nebraska 3 $ 138,000 $ 46,000 $ 54,000
Jefferson, Nebraska 3 $ 726,000 $ 242,000 $ 96,000
Merrick, Nebraska 3 $ 367,000 $ 122,333 $ 66,000
Chaves, New Mexico 3 $ 84,000 $ 28,000 $ 30,000
Cibola, New Mexico 3 $ 113,000 $ 37,666 $ 80,000
San Juan, New Mexico 3 $ 663,000 $ 221,000 $ 154,000
Dunn, North Dakota 3 $ 279,000 $ 93,000 $ 58,000
McKenzie, North Dakota 3 $ 4,181,000 $ 1,393,666 $ 259,000
Blaine, Oklahoma 3 $ 182,000 $ 60,666 $ 54,000
Creek, Oklahoma 3 $ 77,000 $ 25,666 $ 131,000
Logan, Oklahoma 3 $ 464,000 $ 154,666 $ 43,000
Crook, Oregon 3 $ 338,000 $ 112,666 $ 134,000
Curry, Oregon 3 $ 427,000 $ 142,333 $ 198,000
Douglas, Oregon 3 $ 348,000 $ 116,000 $ 59,000
Lane, Oregon 3 $ 4,945,000 $ 1,648,333 $ 0
Douglas, South Dakota 3 $ 252,000 $ 84,000 $ 219,000
Lincoln, South Dakota 3 $ 462,000 $ 154,000 $ 134,000
Grant, Washington 3 $ 348,000 $ 116,000 $ 65,000
Sierra, California 2 $ 277,000 $ 138,500 $ 97,000
Tehama, California 2 $ 86,000 $ 43,000 $ 67,000
Pueblo, Colorado 2 $ 291,000 $ 145,500 $ 59,000
Boise, Idaho 2 $ 484,000 $ 242,000 $ 91,000
Bonneville, Idaho 2 $ 388,000 $ 194,000 $ 12,000
Calhoun, Iowa 2 $ 192,000 $ 96,000 $ 51,000
Cass, Iowa 2 $ 280,000 $ 140,000 $ 98,000
Cherokee, Iowa 2 $ 119,000 $ 59,500 $ 99,000
Fayette, Iowa 2 $ 125,000 $ 62,500 $ 158,000
Marion, Iowa 2 $ 123,000 $ 61,500 $ 70,000
Page, Iowa 2 $ 156,000 $ 78,000 $ 36,000
Taylor, Iowa 2 $ 137,000 $ 68,500 $ 119,000
Kingman, Kansas 2 $ 113,000 $ 56,500 $ 46,000
McPherson, Kansas 2 $ 161,000 $ 80,500 $ 41,000
Miami, Kansas 2 $ 155,000 $ 77,500 $ 186,000
Ness, Kansas 2 $ 104,000 $ 52,000 $ 99,000
Shawnee, Kansas 2 $ 166,000 $ 83,000 $ 101,000
Smith, Kansas 2 $ 49,000 $ 24,500 $ 53,000
Stafford, Kansas 2 $ 43,000 $ 21,500 $ 37,000
Woodson, Kansas 2 $ 58,000 $ 29,000 $ 61,000
Benton, Minnesota 2 $ 270,000 $ 135,000 $ 60,000
Carver, Minnesota 2 $ 416,000 $ 208,000 $ 88,000
Cook, Minnesota 2 $ 47,000 $ 23,500 $ 78,000
Hubbard, Minnesota 2 $ 602,000 $ 301,000 $ 220,000
Isanti, Minnesota 2 $ 212,000 $ 106,000 $ 51,000
Martin, Minnesota 2 $ 425,000 $ 212,500 $ 73,000
Mille Lacs, Minnesota 2 $ 336,000 $ 168,000 $ 113,000
Murray, Minnesota 2 $ 560,000 $ 280,000 $ 192,000
Wabasha, Minnesota 2 $ 1,234,000 $ 617,000 $ 67,000
Watonwan, Minnesota 2 $ 163,000 $ 81,500 $ 67,000
Wright, Minnesota 2 $ 311,000 $ 155,500 $ 106,000
Camden, Missouri 2 $ 240,000 $ 120,000 $ 149,000
Ray, Missouri 2 $ 236,000 $ 118,000 $ 87,000
St. Louis, Missouri 2 $ 392,000 $ 196,000 $ 71,000
Stone, Missouri 2 $ 231,000 $ 115,500 $ 50,000
Antelope, Nebraska 2 $ 200,000 $ 100,000 $ 71,000
Chase, Nebraska 2 $ 130,000 $ 65,000 $ 52,000
Cheyenne, Nebraska 2 $ 262,000 $ 131,000 $ 77,000
Frontier, Nebraska 2 $ 216,000 $ 108,000 $ 118,000
Grant, Nebraska 2 $ 107,000 $ 53,500 $ 78,000
Hamilton, Nebraska 2 $ 230,000 $ 115,000 $ 80,000
Kearney, Nebraska 2 $ 189,000 $ 94,500 $ 35,000
Pierce, Nebraska 2 $ 105,000 $ 52,500 $ 56,000
Wayne, Nebraska 2 $ 268,000 $ 134,000 $ 108,000
Catron, New Mexico 2 $ 123,000 $ 61,500 $ 30,000
Lea, New Mexico 2 $ 1,467,000 $ 733,500 $ 232,000
Taos, New Mexico 2 $ 541,000 $ 270,500 $ 312,000
Divide, North Dakota 2 $ 667,000 $ 333,500 $ 0
Custer, Oklahoma 2 $ 328,000 $ 164,000 $ 76,000
Grady, Oklahoma 2 $ 280,000 $ 140,000 $ 26,000
Kingfisher, Oklahoma 2 $ 346,000 $ 173,000 $ 134,000
McClain, Oklahoma 2 $ 895,000 $ 447,500 $ 158,000
Noble, Oklahoma 2 $ 317,000 $ 158,500 $ 71,000
Pittsburg, Oklahoma 2 $ 95,000 $ 47,500 $ 65,000
Hood River, Oregon 2 $ 1,574,000 $ 787,000 $ 27,000
Jackson, Oregon 2 $ 1,030,000 $ 515,000 $ 5,000
Bennett, South Dakota 2 $ 204,000 $ 102,000 $ 51,000
Clark, South Dakota 2 $ 106,000 $ 53,000 $ 39,000
Hamlin, South Dakota 2 $ 328,000 $ 164,000 $ 92,000
Cache, Utah 2 $ 158,000 $ 79,000 $ 103,000
Carbon, Utah 2 $ 460,000 $ 230,000 $ 83,000
Kane, Utah 2 $ 306,000 $ 153,000 $ 101,000
Uintah, Utah 2 $ 315,000 $ 157,500 $ 77,000
Clallam, Washington 2 $ 396,000 $ 198,000 $ 82,000
Island, Washington 2 $ 164,000 $ 82,000 $ 207,000
Pacific, Washington 2 $ 525,000 $ 262,500 $ 119,000
Pierce, Washington 2 $ 1,564,000 $ 782,000 $ 51,000
Crook, Wyoming 2 $ 394,000 $ 197,000 $ 12,000
Cochise, Arizona 1 $ 125,000 $ 125,000 $ 55,000
Santa Cruz, Arizona 1 $ 140,000 $ 140,000 $ 29,000
Yuma, Arizona 1 $ 166,000 $ 166,000 $ 170,000
Benton, Arkansas 1 $ 46,000 $ 46,000 $ 138,000
Alpine, California 1 $ 104,000 $ 104,000 $ 55,000
Colusa, California 1 $ 83,000 $ 83,000 $ 90,000
Del Norte, California 1 $ 236,000 $ 236,000 $ 187,000
Trinity, California 1 $ 442,000 $ 442,000 $ 228,000
Custer, Colorado 1 $ 119,000 $ 119,000 $ 373,000
Jackson, Colorado 1 $ 145,000 $ 145,000 $ 27,000
La Plata, Colorado 1 $ 175,000 $ 175,000 $ 129,000
Lake, Colorado 1 $ 145,000 $ 145,000 $ 203,000
Mineral, Colorado 1 $ 95,000 $ 95,000 $ 113,000
Montezuma, Colorado 1 $ 30,000 $ 30,000 $ 27,000
Otero, Colorado 1 $ 38,000 $ 38,000 $ 39,000
Saguache, Colorado 1 $ 190,000 $ 190,000 $ 84,000
Washington, Colorado 1 $ 59,000 $ 59,000 $ 49,000
Pinellas, Florida 1 $ 15,000 $ 15,000 $ 99,000
Honolulu, Hawaii 1 $ 375,000 $ 375,000 $ 135,000
Maui, Hawaii 1 $ 199,000 $ 199,000 $ 120,000
Benewah, Idaho 1 $ 252,000 $ 252,000 $ 334,000
Boundary, Idaho 1 $ 89,000 $ 89,000 $ 69,000
Elmore, Idaho 1 $ 196,000 $ 196,000 $ 106,000
Latah, Idaho 1 $ 390,000 $ 390,000 $ 117,000
DuPage, Illinois 1 $ 2,272,000 $ 2,272,000 $ 0
Adair, Iowa 1 $ 15,000 $ 15,000 $ 18,000
Cedar, Iowa 1 $ 115,000 $ 115,000 $ 39,000
Cerro Gordo, Iowa 1 $ 158,000 $ 158,000 $ 292,000
Clarke, Iowa 1 $ 35,000 $ 35,000 $ 27,000
Delaware, Iowa 1 $ 72,000 $ 72,000 $ 101,000
Dubuque, Iowa 1 $ 89,000 $ 89,000 $ 166,000
Franklin, Iowa 1 $ 30,000 $ 30,000 $ 36,000
Fremont, Iowa 1 $ 56,000 $ 56,000 $ 44,000
Hamilton, Iowa 1 $ 62,000 $ 62,000 $ 52,000
Jefferson, Iowa 1 $ 163,000 $ 163,000 $ 81,000
Lee, Iowa 1 $ 31,000 $ 31,000 $ 105,000
Monona, Iowa 1 $ 2,000 $ 2,000 $ 13,000
Monroe, Iowa 1 $ 10,000 $ 10,000 $ 114,000
Muscatine, Iowa 1 $ 119,000 $ 119,000 $ 30,000
O'Brien, Iowa 1 $ 105,000 $ 105,000 $ 73,000
Pocahontas, Iowa 1 $ 55,000 $ 55,000 $ 55,000
Poweshiek, Iowa 1 $ 225,000 $ 225,000 $ 158,000
Sioux, Iowa 1 $ 248,000 $ 248,000 $ 104,000
Tama, Iowa 1 $ 188,000 $ 188,000 $ 54,000
Union, Iowa 1 $ 131,000 $ 131,000 $ 59,000
Van Buren, Iowa 1 $ 65,000 $ 65,000 $ 36,000
Wayne, Iowa 1 $ 47,000 $ 47,000 $ 88,000
Wright, Iowa 1 $ 75,000 $ 75,000 $ 33,000
Barber, Kansas 1 $ 70,000 $ 70,000 $ 33,000
Clark, Kansas 1 $ 76,000 $ 76,000 $ 19,000
Clay, Kansas 1 $ 77,000 $ 77,000 $ 21,000
Comanche, Kansas 1 $ 96,000 $ 96,000 $ 84,000
Dickinson, Kansas 1 $ 113,000 $ 113,000 $ 50,000
Ellsworth, Kansas 1 $ 50,000 $ 50,000 $ 139,000
Greenwood, Kansas 1 $ 5,000 $ 5,000 $ 46,000
Harper, Kansas 1 $ 103,000 $ 103,000 $ 138,000
Jefferson, Kansas 1 $ 107,000 $ 107,000 $ 75,000
Labette, Kansas 1 $ 118,000 $ 118,000 $ 0
Linn, Kansas 1 $ 58,000 $ 58,000 $ 22,000
Logan, Kansas 1 $ 60,000 $ 60,000 $ 408,000
Meade, Kansas 1 $ 16,000 $ 16,000 $ 14,000
Montgomery, Kansas 1 $ 115,000 $ 115,000 $ 172,000
Phillips, Kansas 1 $ 110,000 $ 110,000 $ 79,000
Rooks, Kansas 1 $ 2,000 $ 2,000 $ 78,000
Saline, Kansas 1 $ 158,000 $ 158,000 $ 57,000
Scott, Kansas 1 $ 6,000 $ 6,000 $ 25,000
Sherman, Kansas 1 $ 60,000 $ 60,000 $ 45,000
Stevens, Kansas 1 $ 142,000 $ 142,000 $ 81,000
Trego, Kansas 1 $ 3,000 $ 3,000 $ 84,000
Wichita, Kansas 1 $ 6,000 $ 6,000 $ 34,000
Suffolk, Massachusetts 1 $ 1,100,000 $ 1,100,000 $ 0
Brown, Minnesota 1 $ 162,000 $ 162,000 $ 110,000
Carlton, Minnesota 1 $ 173,000 $ 173,000 $ 149,000
Cass, Minnesota 1 $ 200,000 $ 200,000 $ 1,302,000
Douglas, Minnesota 1 $ 356,000 $ 356,000 $ 84,000
Le Sueur, Minnesota 1 $ 90,000 $ 90,000 $ 49,000
Meeker, Minnesota 1 $ 114,000 $ 114,000 $ 37,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2013

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Refinancing 10,394 $3,213,838,000 $309,000 $62,000,000 $134,000 $9,999,000
Home Purchase 6,080 $1,842,900,000 $303,000 $18,600,000 $133,000 $9,999,000
Home Improvement 2,565 $227,932,000 $88,000 $6,020,000 $80,000 $2,586,000

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 12,593 $3,186,610,000 $253,000 $6,500,000 $131,000 $9,999,000
Hispanic 2,044 $364,064,000 $178,000 $2,835,000 $79,000 $2,256,000
Not Provided 1,929 $600,901,000 $311,000 $4,886,000 $153,000 $3,968,000
Asian 1,565 $607,327,000 $388,000 $3,500,000 $165,000 $1,986,000
Not applicable 444 $442,148,000 $995,000 $62,000,000 $0 $0
Black or African American 272 $49,858,000 $183,000 $1,500,000 $79,000 $1,551,000
American Indian or Alaskan Native 119 $13,449,000 $113,000 $900,000 $71,000 $770,000
Native Hawaiian or Other Pacific Islander 73 $20,313,000 $278,000 $968,000 $136,000 $771,000

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) 17,256 $5,007,647,000 $290,000 $62,000,000 $134,000 $9,999,000
FHA-insured (Federal Housing Administration) 1,310 $202,035,000 $154,000 $786,000 $57,000 $407,000
VA-guaranteed (Veterans Administration) 346 $61,489,000 $177,000 $792,000 $61,000 $369,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 127 $13,499,000 $106,000 $241,000 $35,000 $80,000

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 10,254 $3,022,013,000 $294,000 $62,000,000 $140,000 $9,999,000
Application Denied By Financial Institution 3,543 $771,844,000 $217,000 $6,075,000 $88,000 $3,735,000
Application Withdrawn By Applicant 1,775 $512,077,000 $288,000 $6,075,000 $143,000 $9,999,000
File Closed For Incompleteness 1,037 $311,380,000 $300,000 $4,000,000 $135,000 $2,720,000
Preapproval Approved but not Accepted 905 $273,978,000 $302,000 $1,950,000 $107,000 $1,551,000
Application Approved But Not Accepted 889 $253,232,000 $284,000 $3,500,000 $145,000 $9,999,000
Preapproval Denied by Financial Institution 636 $140,146,000 $220,000 $2,800,000 $66,000 $775,000
Loan Purchased By The Institution 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 1,526 $158,713,000 $104,000 $6,075,000 $70,000 $3,125,000
Debt-To-Income Ratio 1,319 $393,009,000 $297,000 $4,000,000 $61,000 $1,081,000
Collateral 736 $203,837,000 $276,000 $2,500,000 $138,000 $3,735,000
Other 175 $41,328,000 $236,000 $1,500,000 $115,000 $888,000
Unverifiable Information 140 $23,272,000 $166,000 $2,800,000 $140,000 $2,586,000
Insufficient Cash (Downpayment, Closing Cost) 117 $31,610,000 $270,000 $1,590,000 $104,000 $641,000
Credit Application Incomplete 111 $47,112,000 $424,000 $2,300,000 $86,000 $1,505,000
Employment History 49 $11,866,000 $242,000 $1,650,000 $73,000 $360,000
Mortgage Insurance Denied 6 $1,243,000 $207,000 $315,000 $69,000 $110,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2013 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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