Bank of the West Mortgage Lending & HMDA Data, 2014

In 2014, Bank of the West of San Francisco, CA reported 11,532 mortgage applications totaling $3.4 billion, down 39% from 2013. The average application was for $298,530, and applicants reported an average income of $117,760. 53% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (1,051), Los Angeles-Long Beach-Glendale, CA (837) and Oakland-Hayward-Berkeley, CA (763) (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 11,532
Total Mortgage Loan Application Amount $3,442,648,000
Average Mortgage Loan Application Amount $298,530
Highest Mortgage Loan Application Amount $12,241,000
Average Applicant Income $117,760
Highest Applicant Income $3,779,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

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 837 $ 396,473,000 $ 473,683 $ 165,000
Alameda, California 411 $ 211,606,000 $ 514,856 $ 134,000
Santa Clara, California 379 $ 205,340,000 $ 541,794 $ 171,000
Contra Costa, California 352 $ 141,646,000 $ 402,403 $ 129,000
Stanislaus, California 344 $ 58,916,000 $ 171,267 $ 89,000
Douglas, Nebraska 331 $ 42,164,000 $ 127,383 $ 68,000
Orange, California 316 $ 168,073,000 $ 531,876 $ 225,000
Bernalillo, New Mexico 301 $ 40,313,000 $ 133,930 $ 74,000
San Joaquin, California 286 $ 73,203,000 $ 255,954 $ 92,000
Jefferson, Colorado 261 $ 67,250,000 $ 257,662 $ 129,000
Denver, Colorado 260 $ 72,171,000 $ 277,580 $ 150,000
San Francisco, California 179 $ 122,966,000 $ 686,960 $ 175,000
Adams, Colorado 178 $ 26,513,000 $ 148,949 $ 84,000
Arapahoe, Colorado 169 $ 42,538,000 $ 251,704 $ 125,000
Polk, Iowa 162 $ 21,398,000 $ 132,086 $ 83,000
Sonoma, California 151 $ 56,992,000 $ 377,430 $ 116,000
Sacramento, California 140 $ 50,333,000 $ 359,521 $ 124,000
San Bernardino, California 140 $ 44,679,000 $ 319,135 $ 153,000
San Mateo, California 131 $ 73,559,000 $ 561,519 $ 162,000
Sedgwick, Kansas 127 $ 10,128,000 $ 79,748 $ 72,000
San Diego, California 125 $ 54,094,000 $ 432,752 $ 199,000
Jackson, Missouri 124 $ 38,709,000 $ 312,169 $ 79,000
Fresno, California 116 $ 23,433,000 $ 202,008 $ 111,000
Douglas, Colorado 108 $ 42,362,000 $ 392,240 $ 164,000
Clark, Nevada 100 $ 35,400,000 $ 354,000 $ 148,000
Riverside, California 97 $ 31,460,000 $ 324,329 $ 161,000
Sarpy, Nebraska 97 $ 8,364,000 $ 86,226 $ 78,000
Solano, California 93 $ 19,148,000 $ 205,892 $ 97,000
Lancaster, Nebraska 92 $ 10,756,000 $ 116,913 $ 70,000
Ada, Idaho 87 $ 30,125,000 $ 346,264 $ 122,000
Marin, California 82 $ 55,227,000 $ 673,500 $ 194,000
Maricopa, Arizona 80 $ 30,868,000 $ 385,850 $ 91,000
Tulare, California 78 $ 10,346,000 $ 132,641 $ 78,000
Boulder, Colorado 77 $ 35,925,000 $ 466,558 $ 139,000
Multnomah, Oregon 75 $ 32,719,000 $ 436,253 $ 113,000
Pima, Arizona 74 $ 14,027,000 $ 189,554 $ 98,000
Washington, Oregon 72 $ 20,923,000 $ 290,597 $ 103,000
Placer, California 71 $ 25,222,000 $ 355,239 $ 143,000
Santa Barbara, California 71 $ 44,601,000 $ 628,183 $ 311,000
Johnson, Kansas 67 $ 11,206,000 $ 167,253 $ 111,000
Washoe, Nevada 66 $ 17,671,000 $ 267,742 $ 207,000
Monterey, California 65 $ 41,721,000 $ 641,861 $ 169,000
Napa, California 64 $ 28,455,000 $ 444,609 $ 129,000
Cass, North Dakota 64 $ 14,082,000 $ 220,031 $ 59,000
Weld, Colorado 63 $ 10,348,000 $ 164,253 $ 88,000
Larimer, Colorado 59 $ 22,462,000 $ 380,711 $ 98,000
Sweetwater, Wyoming 59 $ 8,980,000 $ 152,203 $ 104,000
Summit, Colorado 56 $ 22,657,000 $ 404,589 $ 229,000
Linn, Iowa 55 $ 5,447,000 $ 99,036 $ 73,000
Dona Ana, New Mexico 55 $ 5,995,000 $ 109,000 $ 78,000
Sandoval, New Mexico 54 $ 7,604,000 $ 140,814 $ 75,000
El Dorado, California 52 $ 17,142,000 $ 329,653 $ 129,000
Ventura, California 50 $ 24,158,000 $ 483,160 $ 172,000
Oklahoma, Oklahoma 48 $ 18,934,000 $ 394,458 $ 62,000
Lake, California 47 $ 6,427,000 $ 136,744 $ 64,000
Santa Cruz, California 47 $ 23,098,000 $ 491,446 $ 178,000
Kings, California 46 $ 3,982,000 $ 86,565 $ 61,000
Salt Lake, Utah 46 $ 26,837,000 $ 583,413 $ 248,000
Mesa, Colorado 45 $ 8,600,000 $ 191,111 $ 74,000
Garfield, Oklahoma 43 $ 3,326,000 $ 77,348 $ 61,000
Clackamas, Oregon 42 $ 19,554,000 $ 465,571 $ 116,000
Navajo, Arizona 41 $ 2,764,000 $ 67,414 $ 71,000
Kay, Oklahoma 41 $ 1,844,000 $ 44,975 $ 50,000
Nevada, California 39 $ 12,897,000 $ 330,692 $ 132,000
Lincoln, Nebraska 39 $ 2,825,000 $ 72,435 $ 58,000
Franklin, Kansas 38 $ 6,519,000 $ 171,552 $ 49,000
Valencia, New Mexico 38 $ 4,123,000 $ 108,500 $ 67,000
Pinal, Arizona 37 $ 4,106,000 $ 110,972 $ 74,000
Ford, Kansas 37 $ 3,478,000 $ 94,000 $ 59,000
Lyon, Minnesota 37 $ 6,216,000 $ 168,000 $ 68,000
Dawes, Nebraska 37 $ 3,741,000 $ 101,108 $ 72,000
Butte, California 36 $ 3,450,000 $ 95,833 $ 62,000
Lincoln, Wyoming 36 $ 4,475,000 $ 124,305 $ 76,000
Boone, Iowa 34 $ 1,802,000 $ 53,000 $ 61,000
Merced, California 32 $ 6,678,000 $ 208,687 $ 79,000
Box Butte, Nebraska 32 $ 2,576,000 $ 80,500 $ 104,000
Kern, California 31 $ 4,445,000 $ 143,387 $ 80,000
Laramie, Wyoming 31 $ 7,268,000 $ 234,451 $ 78,000
Natrona, Wyoming 31 $ 7,590,000 $ 244,838 $ 100,000
Elbert, Colorado 30 $ 10,047,000 $ 334,900 $ 133,000
Dallas, Iowa 30 $ 3,748,000 $ 124,933 $ 70,000
Gila, Arizona 29 $ 1,288,000 $ 44,413 $ 50,000
Gunnison, Colorado 28 $ 12,355,000 $ 441,250 $ 187,000
Otter Tail, Minnesota 28 $ 3,401,000 $ 121,464 $ 80,000
Clay, Missouri 27 $ 5,082,000 $ 188,222 $ 84,000
Hall, Nebraska 26 $ 2,538,000 $ 97,615 $ 64,000
Kit Carson, Colorado 25 $ 1,127,000 $ 45,080 $ 67,000
Butler, Kansas 25 $ 1,786,000 $ 71,440 $ 64,000
Umatilla, Oregon 25 $ 3,537,000 $ 141,480 $ 68,000
Yolo, California 24 $ 4,465,000 $ 186,041 $ 84,000
Montrose, Colorado 24 $ 2,802,000 $ 116,750 $ 68,000
Warren, Iowa 24 $ 2,779,000 $ 115,791 $ 63,000
Dodge, Nebraska 24 $ 1,541,000 $ 64,208 $ 37,000
Tulsa, Oklahoma 24 $ 2,255,000 $ 93,958 $ 68,000
Coconino, Arizona 23 $ 3,118,000 $ 135,565 $ 138,000
Canyon, Idaho 23 $ 4,214,000 $ 183,217 $ 55,000
Decatur, Iowa 23 $ 1,268,000 $ 55,130 $ 46,000
Story, Iowa 23 $ 6,932,000 $ 301,391 $ 122,000
King, Washington 23 $ 13,072,000 $ 568,347 $ 85,000
Carbon, Wyoming 23 $ 1,941,000 $ 84,391 $ 59,000
Grand, Colorado 22 $ 5,963,000 $ 271,045 $ 195,000
Davis, Iowa 21 $ 1,977,000 $ 94,142 $ 59,000
Lincoln, Oregon 21 $ 2,487,000 $ 118,428 $ 66,000
El Paso, Colorado 20 $ 6,849,000 $ 342,450 $ 124,000
Pottawattamie, Iowa 20 $ 4,834,000 $ 241,700 $ 60,000
Yakima, Washington 20 $ 3,819,000 $ 190,950 $ 31,000
Washburn, Wisconsin 20 $ 1,685,000 $ 84,250 $ 64,000
Broomfield, Colorado 19 $ 5,232,000 $ 275,368 $ 111,000
Moffat, Colorado 19 $ 2,504,000 $ 131,789 $ 73,000
Carroll, Iowa 19 $ 1,852,000 $ 97,473 $ 48,000
Harvey, Kansas 19 $ 1,298,000 $ 68,315 $ 55,000
Benton, Washington 19 $ 3,607,000 $ 189,842 $ 84,000
San Luis Obispo, California 18 $ 8,278,000 $ 459,888 $ 231,000
Barton, Kansas 18 $ 534,000 $ 29,666 $ 39,000
Madison, Nebraska 18 $ 1,157,000 $ 64,277 $ 54,000
Sheridan, Nebraska 18 $ 1,665,000 $ 92,500 $ 60,000
Richland, North Dakota 18 $ 887,000 $ 49,277 $ 62,000
Sublette, Wyoming 18 $ 2,351,000 $ 130,611 $ 66,000
Yavapai, Arizona 17 $ 2,236,000 $ 131,529 $ 92,000
Cass, Missouri 17 $ 2,859,000 $ 168,176 $ 82,000
Gage, Nebraska 17 $ 1,038,000 $ 61,058 $ 55,000
Pontotoc, Oklahoma 17 $ 1,231,000 $ 72,411 $ 131,000
Clay, South Dakota 17 $ 2,908,000 $ 171,058 $ 82,000
Calaveras, California 16 $ 4,675,000 $ 292,187 $ 327,000
Delta, Colorado 16 $ 927,000 $ 57,937 $ 43,000
Las Animas, Colorado 16 $ 475,000 $ 29,687 $ 28,000
Logan, Colorado 16 $ 1,438,000 $ 89,875 $ 50,000
Clark, Washington 16 $ 9,359,000 $ 584,937 $ 140,000
Franklin, Washington 16 $ 2,201,000 $ 137,562 $ 48,000
Shelby, Iowa 15 $ 1,377,000 $ 91,800 $ 58,000
Cottonwood, Minnesota 15 $ 882,000 $ 58,800 $ 40,000
Platte, Nebraska 15 $ 1,171,000 $ 78,066 $ 62,000
Summit, Utah 15 $ 17,925,000 $ 1,195,000 $ 541,000
Fremont, Wyoming 15 $ 2,142,000 $ 142,800 $ 69,000
Hennepin, Minnesota 14 $ 12,419,000 $ 887,071 $ 54,000
Cherry, Nebraska 14 $ 1,450,000 $ 103,571 $ 44,000
Lyon, Nevada 14 $ 1,607,000 $ 114,785 $ 76,000
Payne, Oklahoma 14 $ 665,000 $ 47,500 $ 78,000
Blaine, Idaho 13 $ 5,145,000 $ 395,769 $ 109,000
Harrison, Iowa 13 $ 870,000 $ 66,923 $ 87,000
Finney, Kansas 13 $ 746,000 $ 57,384 $ 48,000
Anoka, Minnesota 13 $ 3,646,000 $ 280,461 $ 48,000
Stevens, Minnesota 13 $ 1,219,000 $ 93,769 $ 99,000
Cass, Nebraska 13 $ 1,631,000 $ 125,461 $ 78,000
Chaffee, Colorado 12 $ 2,835,000 $ 236,250 $ 78,000
Clear Creek, Colorado 12 $ 2,928,000 $ 244,000 $ 121,000
Morgan, Colorado 12 $ 1,110,000 $ 92,500 $ 73,000
Park, Colorado 12 $ 2,390,000 $ 199,166 $ 75,000
Phillips, Colorado 12 $ 1,188,000 $ 99,000 $ 48,000
Reno, Kansas 12 $ 2,402,000 $ 200,166 $ 62,000
Swift, Minnesota 12 $ 717,000 $ 59,750 $ 75,000
Buffalo, Nebraska 12 $ 2,024,000 $ 168,666 $ 97,000
Cleveland, Oklahoma 12 $ 853,000 $ 71,083 $ 69,000
Union, South Dakota 12 $ 1,446,000 $ 120,500 $ 59,000
Routt, Colorado 11 $ 7,483,000 $ 680,272 $ 290,000
Mills, Iowa 11 $ 2,191,000 $ 199,181 $ 65,000
Morrison, Minnesota 11 $ 680,000 $ 61,818 $ 65,000
Carson City, Nevada 11 $ 3,557,000 $ 323,363 $ 181,000
Stark, North Dakota 11 $ 844,000 $ 76,727 $ 81,000
Seminole, Oklahoma 11 $ 1,216,000 $ 110,545 $ 92,000
Tillamook, Oregon 11 $ 4,448,000 $ 404,363 $ 185,000
Pierce, Washington 11 $ 7,413,000 $ 673,909 $ 61,000
Niobrara, Wyoming 11 $ 973,000 $ 88,454 $ 57,000
Park, Wyoming 11 $ 1,473,000 $ 133,909 $ 92,000
Tuolumne, California 10 $ 1,388,000 $ 138,800 $ 132,000
Wyandotte, Kansas 10 $ 2,748,000 $ 274,800 $ 44,000
Clay, Minnesota 10 $ 1,100,000 $ 110,000 $ 77,000
Grant, Minnesota 10 $ 1,054,000 $ 105,400 $ 52,000
Jackson, Minnesota 10 $ 585,000 $ 58,500 $ 54,000
Wilkin, Minnesota 10 $ 376,000 $ 37,600 $ 84,000
Deschutes, Oregon 10 $ 5,427,000 $ 542,700 $ 282,000
Utah, Utah 10 $ 3,722,000 $ 372,200 $ 150,000
San Benito, California 9 $ 5,375,000 $ 597,222 $ 151,000
Marshall, Iowa 9 $ 284,000 $ 31,555 $ 45,000
Scotts Bluff, Nebraska 9 $ 950,000 $ 105,555 $ 64,000
Douglas, Nevada 9 $ 4,697,000 $ 521,888 $ 123,000
Wasco, Oregon 9 $ 1,258,000 $ 139,777 $ 78,000
Snohomish, Washington 9 $ 4,694,000 $ 521,555 $ 364,000
Teton, Wyoming 9 $ 2,226,000 $ 247,333 $ 103,000
Uinta, Wyoming 9 $ 1,127,000 $ 125,222 $ 61,000
Shasta, California 8 $ 625,000 $ 78,125 $ 108,000
Johnson, Iowa 8 $ 573,000 $ 71,625 $ 74,000
Wapello, Iowa 8 $ 282,000 $ 35,250 $ 54,000
Gray, Kansas 8 $ 1,100,000 $ 137,500 $ 65,000
Lincoln, Minnesota 8 $ 289,000 $ 36,125 $ 39,000
Ramsey, Minnesota 8 $ 3,989,000 $ 498,625 $ 150,000
Traverse, Minnesota 8 $ 296,000 $ 37,000 $ 52,000
Pulaski, Missouri 8 $ 1,392,000 $ 174,000 $ 0
Santa Fe, New Mexico 8 $ 3,284,000 $ 410,500 $ 104,000
Osage, Oklahoma 8 $ 284,000 $ 35,500 $ 66,000
Wagoner, Oklahoma 8 $ 1,866,000 $ 233,250 $ 99,000
Yamhill, Oregon 8 $ 1,688,000 $ 211,000 $ 56,000
Wasatch, Utah 8 $ 6,235,000 $ 779,375 $ 237,000
Campbell, Wyoming 8 $ 767,000 $ 95,875 $ 51,000
Apache, Arizona 7 $ 640,000 $ 91,428 $ 74,000
Madera, California 7 $ 4,142,000 $ 591,714 $ 91,000
Eagle, Colorado 7 $ 2,425,000 $ 346,428 $ 240,000
Jones, Iowa 7 $ 760,000 $ 108,571 $ 78,000
Madison, Iowa 7 $ 963,000 $ 137,571 $ 49,000
Sumner, Kansas 7 $ 693,000 $ 99,000 $ 62,000
Pope, Minnesota 7 $ 645,000 $ 92,142 $ 63,000
Platte, Missouri 7 $ 828,000 $ 118,285 $ 83,000
Washington, Nebraska 7 $ 965,000 $ 137,857 $ 92,000
Carter, Oklahoma 7 $ 381,000 $ 54,428 $ 42,000
Malheur, Oregon 7 $ 1,656,000 $ 236,571 $ 53,000
Kittitas, Washington 7 $ 687,000 $ 98,142 $ 74,000
Albany, Wyoming 7 $ 2,149,000 $ 307,000 $ 90,000
Sheridan, Wyoming 7 $ 764,000 $ 109,142 $ 79,000
Plumas, California 6 $ 1,714,000 $ 285,666 $ 116,000
Cowley, Kansas 6 $ 644,000 $ 107,333 $ 97,000
Pawnee, Kansas 6 $ 515,000 $ 85,833 $ 113,000
Fillmore, Minnesota 6 $ 942,000 $ 157,000 $ 199,000
Stearns, Minnesota 6 $ 479,000 $ 79,833 $ 43,000
Dawson, Nebraska 6 $ 408,000 $ 68,000 $ 46,000
Columbia, Oregon 6 $ 1,592,000 $ 265,333 $ 92,000
Beadle, South Dakota 6 $ 303,000 $ 50,500 $ 70,000
Douglas, South Dakota 6 $ 454,000 $ 75,666 $ 48,000
Davis, Utah 6 $ 2,804,000 $ 467,333 $ 276,000
Mohave, Arizona 5 $ 622,000 $ 124,400 $ 87,000
Mendocino, California 5 $ 1,439,000 $ 287,800 $ 115,000
Pueblo, Colorado 5 $ 618,000 $ 123,600 $ 60,000
Crawford, Iowa 5 $ 563,000 $ 112,600 $ 63,000
Guthrie, Iowa 5 $ 700,000 $ 140,000 $ 37,000
Scott, Iowa 5 $ 253,000 $ 50,600 $ 45,000
Woodbury, Iowa 5 $ 222,000 $ 44,400 $ 48,000
Houston, Minnesota 5 $ 255,000 $ 51,000 $ 44,000
Yellow Medicine, Minnesota 5 $ 438,000 $ 87,600 $ 76,000
Camden, Missouri 5 $ 2,267,000 $ 453,400 $ 300,000
Creek, Oklahoma 5 $ 252,000 $ 50,400 $ 54,000
Lane, Oregon 5 $ 891,000 $ 178,200 $ 28,000
Marion, Oregon 5 $ 3,571,000 $ 714,200 $ 94,000
Klickitat, Washington 5 $ 606,000 $ 121,200 $ 32,000
Washakie, Wyoming 5 $ 546,000 $ 109,200 $ 52,000
Mariposa, California 4 $ 426,000 $ 106,500 $ 72,000
Boise, Idaho 4 $ 471,000 $ 117,750 $ 40,000
Payette, Idaho 4 $ 292,000 $ 73,000 $ 59,000
Valley, Idaho 4 $ 1,470,000 $ 367,500 $ 343,000
Adair, Iowa 4 $ 397,000 $ 99,250 $ 61,000
Benton, Iowa 4 $ 356,000 $ 89,000 $ 94,000
Jasper, Iowa 4 $ 220,000 $ 55,000 $ 114,000
Jefferson, Iowa 4 $ 679,000 $ 169,750 $ 69,000
Ellis, Kansas 4 $ 47,000 $ 11,750 $ 67,000
Nobles, Minnesota 4 $ 295,000 $ 73,750 $ 44,000
Norman, Minnesota 4 $ 244,000 $ 61,000 $ 301,000
Saunders, Nebraska 4 $ 361,000 $ 90,250 $ 87,000
Canadian, Oklahoma 4 $ 505,000 $ 126,250 $ 48,000
Logan, Oklahoma 4 $ 369,000 $ 92,250 $ 51,000
Washington, Oklahoma 4 $ 240,000 $ 60,000 $ 114,000
Clatsop, Oregon 4 $ 1,160,000 $ 290,000 $ 191,000
Fall River, South Dakota 4 $ 528,000 $ 132,000 $ 42,000
Perkins, South Dakota 4 $ 279,000 $ 69,750 $ 33,000
Potter, South Dakota 4 $ 180,000 $ 45,000 $ 32,000
Washington, Utah 4 $ 2,742,000 $ 685,500 $ 21,000
Goshen, Wyoming 4 $ 363,000 $ 90,750 $ 73,000
Amador, California 3 $ 472,000 $ 157,333 $ 95,000
Humboldt, California 3 $ 631,000 $ 210,333 $ 85,000
Yuba, California 3 $ 493,000 $ 164,333 $ 105,000
Teller, Colorado 3 $ 714,000 $ 238,000 $ 75,000
Allamakee, Iowa 3 $ 236,000 $ 78,666 $ 104,000
Fremont, Iowa 3 $ 463,000 $ 154,333 $ 90,000
Mahaska, Iowa 3 $ 319,000 $ 106,333 $ 51,000
Marion, Iowa 3 $ 221,000 $ 73,666 $ 39,000
Monona, Iowa 3 $ 822,000 $ 274,000 $ 129,000
Tama, Iowa 3 $ 318,000 $ 106,000 $ 131,000
Winneshiek, Iowa 3 $ 271,000 $ 90,333 $ 82,000
Douglas, Kansas 3 $ 326,000 $ 108,666 $ 56,000
Jefferson, Kansas 3 $ 270,000 $ 90,000 $ 41,000
McPherson, Kansas 3 $ 180,000 $ 60,000 $ 52,000
Miami, Kansas 3 $ 294,000 $ 98,000 $ 65,000
Osage, Kansas 3 $ 317,000 $ 105,666 $ 18,000
Stafford, Kansas 3 $ 114,000 $ 38,000 $ 49,000
Carver, Minnesota 3 $ 259,000 $ 86,333 $ 65,000
Dakota, Minnesota 3 $ 378,000 $ 126,000 $ 98,000
Meeker, Minnesota 3 $ 25,000 $ 8,333 $ 93,000
Redwood, Minnesota 3 $ 237,000 $ 79,000 $ 41,000
Scott, Minnesota 3 $ 503,000 $ 167,666 $ 786,000
Burt, Nebraska 3 $ 156,000 $ 52,000 $ 51,000
Colfax, Nebraska 3 $ 106,000 $ 35,333 $ 41,000
Howard, Nebraska 3 $ 272,000 $ 90,666 $ 51,000
Pierce, Nebraska 3 $ 479,000 $ 159,666 $ 67,000
Stanton, Nebraska 3 $ 320,000 $ 106,666 $ 25,000
Webster, Nebraska 3 $ 274,000 $ 91,333 $ 34,000
Grant, New Mexico 3 $ 298,000 $ 99,333 $ 100,000
McKinley, New Mexico 3 $ 438,000 $ 146,000 $ 13,000
Torrance, New Mexico 3 $ 162,000 $ 54,000 $ 40,000
McKenzie, North Dakota 3 $ 501,000 $ 167,000 $ 119,000
Grant, Oklahoma 3 $ 33,000 $ 11,000 $ 80,000
Linn, Oregon 3 $ 1,612,000 $ 537,333 $ 197,000
Charles Mix, South Dakota 3 $ 285,000 $ 95,000 $ 60,000
Pennington, South Dakota 3 $ 2,390,000 $ 796,666 $ 336,000
Carbon, Utah 3 $ 2,713,000 $ 904,333 $ 0
Cowlitz, Washington 3 $ 3,330,000 $ 1,110,000 $ 0
Spokane, Washington 3 $ 483,000 $ 161,000 $ 104,000
Barron, Wisconsin 3 $ 330,000 $ 110,000 $ 28,000
Converse, Wyoming 3 $ 282,000 $ 94,000 $ 64,000
Cochise, Arizona 2 $ 106,000 $ 53,000 $ 43,000
Siskiyou, California 2 $ 288,000 $ 144,000 $ 162,000
Archuleta, Colorado 2 $ 184,000 $ 92,000 $ 83,000
Gilpin, Colorado 2 $ 572,000 $ 286,000 $ 92,000
Huerfano, Colorado 2 $ 375,000 $ 187,500 $ 68,000
Pitkin, Colorado 2 $ 1,104,000 $ 552,000 $ 195,000
San Miguel, Colorado 2 $ 855,000 $ 427,500 $ 184,000
Bear Lake, Idaho 2 $ 85,000 $ 42,500 $ 41,000
Bonneville, Idaho 2 $ 1,094,000 $ 547,000 $ 0
Kootenai, Idaho 2 $ 3,691,000 $ 1,845,500 $ 94,000
Teton, Idaho 2 $ 371,000 $ 185,500 $ 155,000
Twin Falls, Idaho 2 $ 635,000 $ 317,500 $ 119,000
DuPage, Illinois 2 $ 3,500,000 $ 1,750,000 $ 0
Butler, Iowa 2 $ 82,000 $ 41,000 $ 73,000
Dickinson, Iowa 2 $ 213,000 $ 106,500 $ 50,000
Hancock, Iowa 2 $ 622,000 $ 311,000 $ 0
Page, Iowa 2 $ 245,000 $ 122,500 $ 129,000
Wayne, Iowa 2 $ 13,000 $ 6,500 $ 21,000
Clark, Kansas 2 $ 177,000 $ 88,500 $ 58,000
Coffey, Kansas 2 $ 240,000 $ 120,000 $ 0
Greenwood, Kansas 2 $ 82,000 $ 41,000 $ 41,000
Haskell, Kansas 2 $ 78,000 $ 39,000 $ 72,000
Kearny, Kansas 2 $ 133,000 $ 66,500 $ 45,000
Kingman, Kansas 2 $ 270,000 $ 135,000 $ 67,000
Neosho, Kansas 2 $ 220,000 $ 110,000 $ 79,000
Saline, Kansas 2 $ 122,000 $ 61,000 $ 64,000
Sherman, Kansas 2 $ 171,000 $ 85,500 $ 13,000
Becker, Minnesota 2 $ 382,000 $ 191,000 $ 194,000
Beltrami, Minnesota 2 $ 2,282,000 $ 1,141,000 $ 142,000
Kandiyohi, Minnesota 2 $ 341,000 $ 170,500 $ 179,000
Murray, Minnesota 2 $ 49,000 $ 24,500 $ 29,000
Polk, Minnesota 2 $ 41,000 $ 20,500 $ 30,000
Daviess, Missouri 2 $ 306,000 $ 153,000 $ 78,000
Harrison, Missouri 2 $ 81,000 $ 40,500 $ 26,000
St. Louis, Missouri 2 $ 12,748,000 $ 6,374,000 $ 204,000
Adams, Nebraska 2 $ 109,000 $ 54,500 $ 46,000
Butler, Nebraska 2 $ 150,000 $ 75,000 $ 116,000
Dakota, Nebraska 2 $ 103,000 $ 51,500 $ 28,000
Hooker, Nebraska 2 $ 21,000 $ 10,500 $ 73,000
Jefferson, Nebraska 2 $ 565,000 $ 282,500 $ 103,000
Knox, Nebraska 2 $ 265,000 $ 132,500 $ 24,000
Phelps, Nebraska 2 $ 200,000 $ 100,000 $ 25,000
Polk, Nebraska 2 $ 225,000 $ 112,500 $ 57,000
Seward, Nebraska 2 $ 85,000 $ 42,500 $ 63,000
Wayne, Nebraska 2 $ 153,000 $ 76,500 $ 126,000
Cibola, New Mexico 2 $ 7,000 $ 3,500 $ 46,000
Otero, New Mexico 2 $ 161,000 $ 80,500 $ 74,000
Ward, North Dakota 2 $ 9,000,000 $ 4,500,000 $ 0
Alfalfa, Oklahoma 2 $ 115,000 $ 57,500 $ 63,000
Delaware, Oklahoma 2 $ 476,000 $ 238,000 $ 233,000
Harper, Oklahoma 2 $ 15,000 $ 7,500 $ 29,000
Hughes, Oklahoma 2 $ 427,000 $ 213,500 $ 76,000
Johnston, Oklahoma 2 $ 66,000 $ 33,000 $ 31,000
Lincoln, Oklahoma 2 $ 84,000 $ 42,000 $ 61,000
McClain, Oklahoma 2 $ 151,000 $ 75,500 $ 71,000
Pawnee, Oklahoma 2 $ 206,000 $ 103,000 $ 65,000
Pittsburg, Oklahoma 2 $ 71,000 $ 35,500 $ 44,000
Pushmataha, Oklahoma 2 $ 18,000 $ 9,000 $ 9,000
Josephine, Oregon 2 $ 394,000 $ 197,000 $ 538,000
Sherman, Oregon 2 $ 160,000 $ 80,000 $ 86,000
Hamlin, South Dakota 2 $ 196,000 $ 98,000 $ 88,000
Lawrence, South Dakota 2 $ 235,000 $ 117,500 $ 155,000
Minnehaha, South Dakota 2 $ 82,000 $ 41,000 $ 40,000
Denton, Texas 2 $ 295,000 $ 147,500 $ 0
Daggett, Utah 2 $ 216,000 $ 108,000 $ 41,000
Morgan, Utah 2 $ 1,036,000 $ 518,000 $ 128,000
Chelan, Washington 2 $ 1,650,000 $ 825,000 $ 0
Kitsap, Washington 2 $ 1,124,000 $ 562,000 $ 132,000
Skagit, Washington 2 $ 110,000 $ 55,000 $ 38,000
Douglas, Wisconsin 2 $ 57,000 $ 28,500 $ 52,000
Milwaukee, Wisconsin 2 $ 157,000 $ 78,500 $ 106,000
Racine, Wisconsin 2 $ 87,000 $ 43,500 $ 160,000
Sawyer, Wisconsin 2 $ 11,000 $ 5,500 $ 31,000
Big Horn, Wyoming 2 $ 176,000 $ 88,000 $ 46,000
Platte, Wyoming 2 $ 471,000 $ 235,500 $ 88,000
La Paz, Arizona 1 $ 488,000 $ 488,000 $ 113,000
Yuma, Arizona 1 $ 215,000 $ 215,000 $ 62,000
Glenn, California 1 $ 30,000 $ 30,000 $ 21,000
Inyo, California 1 $ 525,000 $ 525,000 $ 721,000
Mono, California 1 $ 165,000 $ 165,000 $ 622,000
Sierra, California 1 $ 88,000 $ 88,000 $ 327,000
Alamosa, Colorado 1 $ 172,000 $ 172,000 $ 70,000
Garfield, Colorado 1 $ 260,000 $ 260,000 $ 126,000
Hinsdale, Colorado 1 $ 435,000 $ 435,000 $ 136,000
La Plata, Colorado 1 $ 300,000 $ 300,000 $ 74,000
Lake, Colorado 1 $ 625,000 $ 625,000 $ 166,000
Montezuma, Colorado 1 $ 100,000 $ 100,000 $ 97,000
Ouray, Colorado 1 $ 260,000 $ 260,000 $ 130,000
Rio Grande, Colorado 1 $ 46,000 $ 46,000 $ 52,000
Washington, Colorado 1 $ 120,000 $ 120,000 $ 31,000
Yuma, Colorado 1 $ 198,000 $ 198,000 $ 111,000
Clay, Florida 1 $ 3,000 $ 3,000 $ 73,000
St. Lucie, Florida 1 $ 25,000 $ 25,000 $ 150,000
Honolulu, Hawaii 1 $ 250,000 $ 250,000 $ 240,000
Cassia, Idaho 1 $ 260,000 $ 260,000 $ 52,000
Gem, Idaho 1 $ 98,000 $ 98,000 $ 228,000
Jerome, Idaho 1 $ 450,000 $ 450,000 $ 339,000
Owyhee, Idaho 1 $ 12,000 $ 12,000 $ 4,000
Washington, Idaho 1 $ 93,000 $ 93,000 $ 51,000
Grant, Indiana 1 $ 50,000 $ 50,000 $ 24,000
St. Joseph, Indiana 1 $ 12,241,000 $ 12,241,000 $ 0
Black Hawk, Iowa 1 $ 248,000 $ 248,000 $ 124,000
Buena Vista, Iowa 1 $ 97,000 $ 97,000 $ 0
Calhoun, Iowa 1 $ 195,000 $ 195,000 $ 0
Cass, Iowa 1 $ 84,000 $ 84,000 $ 64,000
Cedar, Iowa 1 $ 82,000 $ 82,000 $ 70,000
Cerro Gordo, Iowa 1 $ 63,000 $ 63,000 $ 24,000
Cherokee, Iowa 1 $ 1,088,000 $ 1,088,000 $ 0
Clayton, Iowa 1 $ 53,000 $ 53,000 $ 27,000
Clinton, Iowa 1 $ 5,100,000 $ 5,100,000 $ 0
Delaware, Iowa 1 $ 6,000 $ 6,000 $ 53,000
Des Moines, Iowa 1 $ 148,000 $ 148,000 $ 36,000
Fayette, Iowa 1 $ 50,000 $ 50,000 $ 23,000
Hardin, Iowa 1 $ 50,000 $ 50,000 $ 107,000
Henry, Iowa 1 $ 70,000 $ 70,000 $ 33,000
Ida, Iowa 1 $ 25,000 $ 25,000 $ 68,000
Iowa, Iowa 1 $ 33,000 $ 33,000 $ 73,000
Kossuth, Iowa 1 $ 61,000 $ 61,000 $ 46,000
Lucas, Iowa 1 $ 10,000 $ 10,000 $ 44,000
Lyon, Iowa 1 $ 304,000 $ 304,000 $ 71,000
Monroe, Iowa 1 $ 260,000 $ 260,000 $ 772,000
Montgomery, Iowa 1 $ 80,000 $ 80,000 $ 57,000
Muscatine, Iowa 1 $ 7,000 $ 7,000 $ 38,000
O'Brien, Iowa 1 $ 64,000 $ 64,000 $ 31,000
Plymouth, Iowa 1 $ 3,000 $ 3,000 $ 87,000
Ringgold, Iowa 1 $ 196,000 $ 196,000 $ 140,000
Van Buren, Iowa 1 $ 12,000 $ 12,000 $ 103,000
Washington, Iowa 1 $ 12,000 $ 12,000 $ 26,000
Anderson, Kansas 1 $ 45,000 $ 45,000 $ 41,000
Chautauqua, Kansas 1 $ 35,000 $ 35,000 $ 47,000
Dickinson, Kansas 1 $ 181,000 $ 181,000 $ 43,000
Ellsworth, Kansas 1 $ 8,000 $ 8,000 $ 33,000
Geary, Kansas 1 $ 41,000 $ 41,000 $ 41,000
Grant, Kansas 1 $ 17,000 $ 17,000 $ 65,000
Harper, Kansas 1 $ 69,000 $ 69,000 $ 40,000
Linn, Kansas 1 $ 100,000 $ 100,000 $ 125,000
Marion, Kansas 1 $ 12,000 $ 12,000 $ 24,000
Mitchell, Kansas 1 $ 80,000 $ 80,000 $ 29,000
Rice, Kansas 1 $ 60,000 $ 60,000 $ 90,000
Riley, Kansas 1 $ 5,000 $ 5,000 $ 24,000
Russell, Kansas 1 $ 8,000 $ 8,000 $ 36,000
Seward, Kansas 1 $ 15,000 $ 15,000 $ 68,000
Shawnee, Kansas 1 $ 207,000 $ 207,000 $ 133,000
Stanton, Kansas 1 $ 5,000 $ 5,000 $ 58,000
Thomas, Kansas 1 $ 181,000 $ 181,000 $ 136,000
Lafayette, Louisiana 1 $ 7,400,000 $ 7,400,000 $ 0
Benton, Minnesota 1 $ 6,000 $ 6,000 $ 0
Chippewa, Minnesota 1 $ 128,000 $ 128,000 $ 47,000
Marshall, Minnesota 1 $ 80,000 $ 80,000 $ 74,000
Rock, Minnesota 1 $ 135,000 $ 135,000 $ 54,000
Sherburne, Minnesota 1 $ 118,000 $ 118,000 $ 72,000
St. Louis, Minnesota 1 $ 128,000 $ 128,000 $ 131,000
Todd, Minnesota 1 $ 45,000 $ 45,000 $ 25,000
Wadena, Minnesota 1 $ 81,000 $ 81,000 $ 56,000
Washington, Minnesota 1 $ 26,000 $ 26,000 $ 110,000
Wright, Minnesota 1 $ 10,000 $ 10,000 $ 27,000
Buchanan, Missouri 1 $ 2,450,000 $ 2,450,000 $ 0
Clinton, Missouri 1 $ 129,000 $ 129,000 $ 79,000
Douglas, Missouri 1 $ 100,000 $ 100,000 $ 38,000
Jasper, Missouri 1 $ 12,000 $ 12,000 $ 14,000
Jefferson, Missouri 1 $ 95,000 $ 95,000 $ 140,000
Lafayette, Missouri 1 $ 15,000 $ 15,000 $ 60,000
Morgan, Missouri 1 $ 240,000 $ 240,000 $ 178,000
Ray, Missouri 1 $ 238,000 $ 238,000 $ 252,000
Scotland, Missouri 1 $ 80,000 $ 80,000 $ 53,000
St. Charles, Missouri 1 $ 39,000 $ 39,000 $ 68,000
Carbon, Montana 1 $ 40,000 $ 40,000 $ 103,000
Boyd, Nebraska 1 $ 47,000 $ 47,000 $ 64,000
Cedar, Nebraska 1 $ 200,000 $ 200,000 $ 46,000
Cheyenne, Nebraska 1 $ 280,000 $ 280,000 $ 106,000
Custer, Nebraska 1 $ 25,000 $ 25,000 $ 27,000
Dundy, Nebraska 1 $ 7,000 $ 7,000 $ 29,000
Grant, Nebraska 1 $ 35,000 $ 35,000 $ 62,000
Harlan, Nebraska 1 $ 123,000 $ 123,000 $ 73,000
Keith, Nebraska 1 $ 88,000 $ 88,000 $ 44,000
Kimball, Nebraska 1 $ 34,000 $ 34,000 $ 59,000
Logan, Nebraska 1 $ 14,000 $ 14,000 $ 19,000
Merrick, Nebraska 1 $ 355,000 $ 355,000 $ 107,000
Morrill, Nebraska 1 $ 147,000 $ 147,000 $ 0
Otoe, Nebraska 1 $ 65,000 $ 65,000 $ 63,000
Saline, Nebraska 1 $ 141,000 $ 141,000 $ 119,000
Valley, Nebraska 1 $ 100,000 $ 100,000 $ 26,000
Elko, Nevada 1 $ 142,000 $ 142,000 $ 0
Humboldt, Nevada 1 $ 72,000 $ 72,000 $ 227,000
Catron, New Mexico 1 $ 120,000 $ 120,000 $ 47,000
Lea, New Mexico 1 $ 112,000 $ 112,000 $ 125,000
Lincoln, New Mexico 1 $ 500,000 $ 500,000 $ 727,000
Los Alamos, New Mexico 1 $ 150,000 $ 150,000 $ 70,000
Quay, New Mexico 1 $ 76,000 $ 76,000 $ 60,000
Rio Arriba, New Mexico 1 $ 150,000 $ 150,000 $ 228,000
Sierra, New Mexico 1 $ 55,000 $ 55,000 $ 100,000
Taos, New Mexico 1 $ 164,000 $ 164,000 $ 146,000
Divide, North Dakota 1 $ 208,000 $ 208,000 $ 140,000
Grand Forks, North Dakota 1 $ 25,000 $ 25,000 $ 73,000
Griggs, North Dakota 1 $ 3,000 $ 3,000 $ 61,000
Cherokee, Oklahoma 1 $ 11,000 $ 11,000 $ 100,000
Comanche, Oklahoma 1 $ 6,000 $ 6,000 $ 67,000
Garvin, Oklahoma 1 $ 78,000 $ 78,000 $ 97,000
Love, Oklahoma 1 $ 27,000 $ 27,000 $ 103,000
Murray, Oklahoma 1 $ 80,000 $ 80,000 $ 32,000
Noble, Oklahoma 1 $ 10,000 $ 10,000 $ 32,000
Okfuskee, Oklahoma 1 $ 143,000 $ 143,000 $ 65,000
Okmulgee, Oklahoma 1 $ 46,000 $ 46,000 $ 62,000
Pottawatomie, Oklahoma 1 $ 30,000 $ 30,000 $ 11,000
Rogers, Oklahoma 1 $ 83,000 $ 83,000 $ 87,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2014

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 5,066 $1,763,193,000 $348,000 $12,241,000 $114,000 $2,944,000
Home Purchase 4,184 $1,497,069,000 $357,000 $11,900,000 $144,000 $3,779,000
Home Improvement 2,282 $182,386,000 $79,000 $6,500,000 $78,000 $2,021,000

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 7,433 $1,964,170,000 $264,000 $4,000,000 $125,000 $3,779,000
Hispanic 1,481 $254,308,000 $171,000 $2,200,000 $83,000 $2,205,000
Asian 964 $417,926,000 $433,000 $4,000,000 $159,000 $1,404,000
Not Provided 881 $284,880,000 $323,000 $2,900,000 $138,000 $2,160,000
Not applicable 450 $472,255,000 $1,049,000 $12,241,000 $0 $0
Black or African American 186 $29,718,000 $159,000 $1,429,000 $84,000 $1,093,000
American Indian or Alaskan Native 78 $5,887,000 $75,000 $520,000 $67,000 $255,000
Native Hawaiian or Other Pacific Islander 59 $13,504,000 $228,000 $1,170,000 $118,000 $1,320,000

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) 10,796 $3,326,243,000 $308,000 $12,241,000 $121,000 $3,779,000
FHA-insured (Federal Housing Administration) 474 $74,155,000 $156,000 $625,000 $66,000 $394,000
VA-guaranteed (Veterans Administration) 184 $33,398,000 $181,000 $688,000 $70,000 $348,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 78 $8,852,000 $113,000 $347,000 $42,000 $120,000

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 6,142 $1,961,498,000 $319,000 $12,241,000 $132,000 $3,779,000
Application Denied By Financial Institution 3,069 $688,567,000 $224,000 $8,900,000 $80,000 $1,397,000
Application Withdrawn By Applicant 1,221 $396,753,000 $324,000 $6,435,000 $128,000 $2,000,000
File Closed For Incompleteness 607 $204,439,000 $336,000 $2,956,000 $141,000 $1,518,000
Application Approved But Not Accepted 480 $187,359,000 $390,000 $5,900,000 $118,000 $1,286,000
Loan Purchased By The Institution 13 $4,032,000 $310,000 $801,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial 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
Debt-To-Income Ratio 1,043 $376,752,000 $361,000 $4,000,000 $60,000 $783,000
Credit History 1,026 $73,988,000 $72,000 $1,850,000 $72,000 $714,000
Unverifiable Information 410 $52,330,000 $127,000 $4,000,000 $114,000 $1,397,000
Collateral 380 $90,961,000 $239,000 $2,000,000 $120,000 $1,190,000
Other 71 $21,811,000 $307,000 $3,875,000 $86,000 $485,000
Insufficient Cash (Downpayment, Closing Cost) 56 $17,291,000 $308,000 $1,238,000 $123,000 $579,000
Credit Application Incomplete 54 $49,174,000 $910,000 $8,900,000 $25,000 $258,000
Employment History 26 $5,390,000 $207,000 $806,000 $49,000 $140,000
Mortgage Insurance Denied 3 $870,000 $290,000 $408,000 $124,000 $182,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2014 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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