Bank of the West Mortgage Lending & HMDA Data, 2017

In 2017, Bank of the West of San Francisco, CA reported 15,523 mortgage applications totaling $6.2 billion, down 8% from 2016. The average application was for $397,042, and applicants reported an average income of $125,427. 58% of its applications resulted in an originated loan and 24% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,988), Oakland-Hayward-Berkeley, CA (1,090) and Denver-Aurora-Lakewood, CO (934) (applications in parentheses).

Mortgage Company & Address Bank of the West
180 Montgomery Street
San Francisco, CA 94104
Tel #: available with data download
Federal Regulator * available with data download
Years 2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  
Total Number of Mortgage Applications 15,523
Total Mortgage Loan Application Amount $6,163,294,000
Average Mortgage Loan Application Amount $397,042
Highest Mortgage Loan Application Amount $61,600,000
Average Applicant Income $125,427
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2017

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 1,988 $ 1,233,886,000 $ 620,667 $ 176,000
Orange, California 643 $ 474,463,000 $ 737,889 $ 219,000
Alameda, California 619 $ 320,670,000 $ 518,045 $ 147,000
Santa Clara, California 478 $ 333,358,000 $ 697,401 $ 200,000
Contra Costa, California 471 $ 250,678,000 $ 532,225 $ 141,000
Stanislaus, California 398 $ 93,445,000 $ 234,786 $ 113,000
Clark, Nevada 387 $ 111,499,000 $ 288,111 $ 77,000
San Joaquin, California 342 $ 80,431,000 $ 235,178 $ 109,000
San Diego, California 312 $ 181,659,000 $ 582,240 $ 161,000
San Bernardino, California 293 $ 81,075,000 $ 276,706 $ 82,000
Douglas, Nebraska 277 $ 40,417,000 $ 145,909 $ 68,000
Sonoma, California 256 $ 131,802,000 $ 514,851 $ 159,000
San Francisco, California 244 $ 203,471,000 $ 833,897 $ 198,000
Jefferson, Colorado 235 $ 75,479,000 $ 321,187 $ 112,000
San Mateo, California 232 $ 173,308,000 $ 747,017 $ 184,000
Riverside, California 231 $ 84,427,000 $ 365,484 $ 142,000
Sacramento, California 214 $ 76,474,000 $ 357,355 $ 115,000
Maricopa, Arizona 213 $ 58,757,000 $ 275,854 $ 82,000
Fresno, California 211 $ 43,584,000 $ 206,559 $ 90,000
Denver, Colorado 211 $ 71,451,000 $ 338,630 $ 122,000
Bernalillo, New Mexico 208 $ 33,970,000 $ 163,317 $ 94,000
Adams, Colorado 172 $ 35,567,000 $ 206,784 $ 72,000
Arapahoe, Colorado 171 $ 54,555,000 $ 319,035 $ 107,000
Solano, California 153 $ 41,596,000 $ 271,869 $ 98,000
Multnomah, Oregon 153 $ 72,474,000 $ 473,686 $ 78,000
Washoe, Nevada 135 $ 99,112,000 $ 734,162 $ 114,000
Sedgwick, Kansas 129 $ 14,992,000 $ 116,217 $ 88,000
Boulder, Colorado 123 $ 51,357,000 $ 417,536 $ 145,000
Polk, Iowa 122 $ 13,296,000 $ 108,983 $ 95,000
Pima, Arizona 121 $ 38,563,000 $ 318,702 $ 88,000
Washington, Oregon 114 $ 36,989,000 $ 324,464 $ 108,000
Ventura, California 110 $ 57,369,000 $ 521,536 $ 148,000
Kern, California 97 $ 19,757,000 $ 203,680 $ 48,000
Marin, California 95 $ 79,307,000 $ 834,810 $ 260,000
Monterey, California 93 $ 65,042,000 $ 699,376 $ 163,000
Tulare, California 91 $ 20,381,000 $ 223,967 $ 188,000
Summit, Colorado 91 $ 49,056,000 $ 539,076 $ 250,000
Jackson, Missouri 90 $ 14,995,000 $ 166,611 $ 64,000
Clackamas, Oregon 90 $ 31,192,000 $ 346,577 $ 82,000
King, Washington 90 $ 39,400,000 $ 437,777 $ 92,000
Santa Barbara, California 86 $ 61,427,000 $ 714,267 $ 220,000
Pierce, Washington 80 $ 21,294,000 $ 266,175 $ 65,000
Dona Ana, New Mexico 79 $ 7,236,000 $ 91,594 $ 59,000
Sarpy, Nebraska 76 $ 10,301,000 $ 135,539 $ 80,000
Salt Lake, Utah 74 $ 28,817,000 $ 389,418 $ 77,000
Douglas, Colorado 73 $ 31,346,000 $ 429,397 $ 185,000
Placer, California 71 $ 39,099,000 $ 550,690 $ 241,000
Santa Cruz, California 71 $ 37,364,000 $ 526,253 $ 148,000
Napa, California 70 $ 61,966,000 $ 885,228 $ 182,000
Larimer, Colorado 69 $ 22,028,000 $ 319,246 $ 107,000
Lancaster, Nebraska 67 $ 10,864,000 $ 162,149 $ 77,000
Ada, Idaho 65 $ 15,316,000 $ 235,630 $ 58,000
Canyon, Idaho 63 $ 8,013,000 $ 127,190 $ 16,000
Gunnison, Colorado 60 $ 22,400,000 $ 373,333 $ 250,000
Mesa, Colorado 60 $ 10,965,000 $ 182,750 $ 93,000
Weld, Colorado 60 $ 14,973,000 $ 249,550 $ 80,000
Kings, California 58 $ 6,626,000 $ 114,241 $ 150,000
Butte, California 57 $ 8,157,000 $ 143,105 $ 65,000
El Dorado, California 57 $ 20,083,000 $ 352,333 $ 166,000
Grand, Colorado 51 $ 22,182,000 $ 434,941 $ 193,000
Pinal, Arizona 48 $ 7,075,000 $ 147,395 $ 40,000
El Paso, Colorado 46 $ 9,261,000 $ 201,326 $ 66,000
Johnson, Kansas 46 $ 7,611,000 $ 165,456 $ 81,000
Oklahoma, Oklahoma 46 $ 11,880,000 $ 258,260 $ 58,000
Merced, California 45 $ 13,915,000 $ 309,222 $ 158,000
Nevada, California 40 $ 15,139,000 $ 378,475 $ 194,000
Duval, Florida 40 $ 4,917,000 $ 122,925 $ 0
Boone, Iowa 40 $ 1,749,000 $ 43,725 $ 82,000
Laramie, Wyoming 39 $ 4,415,000 $ 113,205 $ 60,000
Lake, California 38 $ 5,309,000 $ 139,710 $ 70,000
Sandoval, New Mexico 38 $ 4,753,000 $ 125,078 $ 51,000
San Luis Obispo, California 36 $ 14,736,000 $ 409,333 $ 122,000
Lincoln, Oregon 36 $ 6,012,000 $ 167,000 $ 83,000
Pottawattamie, Iowa 34 $ 5,773,000 $ 169,794 $ 81,000
Clark, Washington 33 $ 10,032,000 $ 304,000 $ 73,000
Lincoln, Wyoming 33 $ 5,526,000 $ 167,454 $ 83,000
Lyon, Nevada 30 $ 6,501,000 $ 216,700 $ 63,000
Garfield, Oklahoma 30 $ 2,332,000 $ 77,733 $ 74,000
Sweetwater, Wyoming 30 $ 3,275,000 $ 109,166 $ 80,000
Hennepin, Minnesota 29 $ 36,243,000 $ 1,249,758 $ 118,000
Davis, Utah 29 $ 8,637,000 $ 297,827 $ 30,000
Pinellas, Florida 28 $ 3,798,000 $ 135,642 $ 0
Clay, Missouri 28 $ 4,220,000 $ 150,714 $ 127,000
Box Butte, Nebraska 28 $ 3,460,000 $ 123,571 $ 63,000
Spokane, Washington 28 $ 3,773,000 $ 134,750 $ 15,000
Carson City, Nevada 27 $ 5,398,000 $ 199,925 $ 110,000
Coconino, Arizona 25 $ 3,658,000 $ 146,320 $ 73,000
Park, Colorado 25 $ 7,288,000 $ 291,520 $ 138,000
Linn, Iowa 25 $ 3,621,000 $ 144,840 $ 57,000
Harvey, Kansas 25 $ 2,524,000 $ 100,960 $ 77,000
Marion, Oregon 25 $ 6,533,000 $ 261,320 $ 92,000
Yolo, California 24 $ 7,537,000 $ 314,041 $ 78,000
Benton, Washington 24 $ 4,199,000 $ 174,958 $ 73,000
Navajo, Arizona 23 $ 1,432,000 $ 62,260 $ 65,000
Las Animas, Colorado 23 $ 2,422,000 $ 105,304 $ 60,000
Moffat, Colorado 23 $ 2,189,000 $ 95,173 $ 63,000
Gila, Arizona 22 $ 1,309,000 $ 59,500 $ 66,000
Cowley, Kansas 22 $ 704,000 $ 32,000 $ 87,000
Dodge, Nebraska 22 $ 2,009,000 $ 91,318 $ 71,000
Cass, North Dakota 22 $ 8,288,000 $ 376,727 $ 107,000
Montrose, Colorado 21 $ 3,775,000 $ 179,761 $ 112,000
Dallas, Iowa 21 $ 2,832,000 $ 134,857 $ 108,000
Lincoln, Nebraska 21 $ 1,539,000 $ 73,285 $ 67,000
Milwaukee, Wisconsin 21 $ 4,179,000 $ 199,000 $ 11,000
Fremont, Wyoming 21 $ 2,319,000 $ 110,428 $ 52,000
Yavapai, Arizona 20 $ 3,988,000 $ 199,400 $ 86,000
Warren, Iowa 20 $ 2,220,000 $ 111,000 $ 64,000
Swift, Minnesota 20 $ 2,311,000 $ 115,550 $ 71,000
Hall, Nebraska 20 $ 1,788,000 $ 89,400 $ 70,000
Weber, Utah 20 $ 2,959,000 $ 147,950 $ 4,000
Yakima, Washington 20 $ 4,589,000 $ 229,450 $ 69,000
Madera, California 19 $ 3,991,000 $ 210,052 $ 67,000
Ford, Kansas 19 $ 2,004,000 $ 105,473 $ 62,000
Franklin, Kansas 19 $ 1,183,000 $ 62,263 $ 56,000
Lyon, Minnesota 19 $ 2,196,000 $ 115,578 $ 77,000
Elbert, Colorado 18 $ 5,088,000 $ 282,666 $ 104,000
Valencia, New Mexico 18 $ 1,477,000 $ 82,055 $ 86,000
Kitsap, Washington 18 $ 4,450,000 $ 247,222 $ 49,000
Uinta, Wyoming 18 $ 2,924,000 $ 162,444 $ 82,000
Broomfield, Colorado 17 $ 5,545,000 $ 326,176 $ 100,000
Winneshiek, Iowa 17 $ 1,854,000 $ 109,058 $ 57,000
Finney, Kansas 17 $ 1,621,000 $ 95,352 $ 67,000
Platte, Missouri 17 $ 2,989,000 $ 175,823 $ 58,000
Platte, Nebraska 17 $ 1,137,000 $ 66,882 $ 56,000
Hillsborough, Florida 16 $ 2,557,000 $ 159,812 $ 0
Cook, Illinois 16 $ 8,521,000 $ 532,562 $ 32,000
Story, Iowa 16 $ 1,607,000 $ 100,437 $ 95,000
Morrison, Minnesota 16 $ 1,388,000 $ 86,750 $ 60,000
Buffalo, Nebraska 16 $ 1,930,000 $ 120,625 $ 68,000
Tulsa, Oklahoma 16 $ 2,560,000 $ 160,000 $ 49,000
Umatilla, Oregon 16 $ 1,489,000 $ 93,062 $ 50,000
Snohomish, Washington 16 $ 6,286,000 $ 392,875 $ 31,000
Thurston, Washington 16 $ 4,481,000 $ 280,062 $ 35,000
Apache, Arizona 15 $ 1,033,000 $ 68,866 $ 71,000
Morgan, Colorado 15 $ 1,655,000 $ 110,333 $ 71,000
Pawnee, Kansas 15 $ 376,000 $ 25,066 $ 64,000
Anoka, Minnesota 15 $ 2,186,000 $ 145,733 $ 111,000
Dawes, Nebraska 15 $ 1,394,000 $ 92,933 $ 64,000
Madison, Nebraska 15 $ 1,134,000 $ 75,600 $ 49,000
Richland, North Dakota 15 $ 937,000 $ 62,466 $ 85,000
Utah, Utah 15 $ 13,275,000 $ 885,000 $ 68,000
Calaveras, California 14 $ 4,197,000 $ 299,785 $ 142,000
Tuolumne, California 14 $ 3,524,000 $ 251,714 $ 124,000
Kit Carson, Colorado 14 $ 1,358,000 $ 97,000 $ 97,000
Twin Falls, Idaho 14 $ 1,659,000 $ 118,500 $ 0
Carroll, Iowa 14 $ 1,074,000 $ 76,714 $ 54,000
Columbia, Oregon 14 $ 3,368,000 $ 240,571 $ 92,000
Yamhill, Oregon 14 $ 4,944,000 $ 353,142 $ 98,000
Clay, South Dakota 14 $ 1,730,000 $ 123,571 $ 66,000
Carbon, Wyoming 14 $ 1,863,000 $ 133,071 $ 89,000
Natrona, Wyoming 14 $ 1,860,000 $ 132,857 $ 65,000
Anchorage, Alaska 13 $ 1,535,000 $ 118,076 $ 0
Butler, Kansas 13 $ 1,289,000 $ 99,153 $ 85,000
Cottonwood, Minnesota 13 $ 739,000 $ 56,846 $ 51,000
Seminole, Oklahoma 13 $ 606,000 $ 46,615 $ 47,000
Summit, Utah 13 $ 8,181,000 $ 629,307 $ 186,000
Sutter, California 12 $ 6,934,000 $ 577,833 $ 68,000
Delta, Colorado 12 $ 1,582,000 $ 131,833 $ 46,000
Eagle, Colorado 12 $ 10,560,000 $ 880,000 $ 271,000
Sarasota, Florida 12 $ 1,467,000 $ 122,250 $ 0
Blaine, Idaho 12 $ 6,350,000 $ 529,166 $ 106,000
Sumner, Kansas 12 $ 1,203,000 $ 100,250 $ 66,000
Lincoln, Minnesota 12 $ 1,128,000 $ 94,000 $ 165,000
Stearns, Minnesota 12 $ 1,502,000 $ 125,166 $ 102,000
Nye, Nevada 12 $ 1,300,000 $ 108,333 $ 7,000
San Benito, California 11 $ 4,207,000 $ 382,454 $ 60,000
Chaffee, Colorado 11 $ 2,186,000 $ 198,727 $ 85,000
Clear Creek, Colorado 11 $ 2,630,000 $ 239,090 $ 84,000
Logan, Colorado 11 $ 893,000 $ 81,181 $ 51,000
Phillips, Colorado 11 $ 1,525,000 $ 138,636 $ 67,000
Orange, Florida 11 $ 2,038,000 $ 185,272 $ 0
Davis, Iowa 11 $ 1,449,000 $ 131,727 $ 73,000
Shelby, Iowa 11 $ 478,000 $ 43,454 $ 52,000
Barton, Kansas 11 $ 498,000 $ 45,272 $ 91,000
Wyandotte, Kansas 11 $ 2,128,000 $ 193,454 $ 35,000
Houston, Minnesota 11 $ 1,041,000 $ 94,636 $ 56,000
Cleveland, Oklahoma 11 $ 3,730,000 $ 339,090 $ 166,000
Pontotoc, Oklahoma 11 $ 1,077,000 $ 97,909 $ 78,000
Washburn, Wisconsin 11 $ 1,060,000 $ 96,363 $ 66,000
Sheridan, Wyoming 11 $ 2,126,000 $ 193,272 $ 63,000
Mendocino, California 10 $ 4,881,000 $ 488,100 $ 119,000
Canadian, Oklahoma 10 $ 436,000 $ 43,600 $ 89,000
Deschutes, Oregon 10 $ 2,655,000 $ 265,500 $ 115,000
Wasco, Oregon 10 $ 3,143,000 $ 314,300 $ 87,000
Kittitas, Washington 10 $ 2,334,000 $ 233,400 $ 130,000
Park, Wyoming 10 $ 1,473,000 $ 147,300 $ 89,000
Amador, California 9 $ 2,016,000 $ 224,000 $ 123,000
Manatee, Florida 9 $ 1,213,000 $ 134,777 $ 0
Kootenai, Idaho 9 $ 1,186,000 $ 131,777 $ 8,000
Harrison, Iowa 9 $ 435,000 $ 48,333 $ 47,000
Norman, Minnesota 9 $ 390,000 $ 43,333 $ 54,000
Stevens, Minnesota 9 $ 723,000 $ 80,333 $ 83,000
Sheridan, Nebraska 9 $ 701,000 $ 77,888 $ 49,000
Douglas, Nevada 9 $ 3,294,000 $ 366,000 $ 95,000
Woods, Oklahoma 9 $ 406,000 $ 45,111 $ 76,000
Washakie, Wyoming 9 $ 630,000 $ 70,000 $ 44,000
Mohave, Arizona 8 $ 1,098,000 $ 137,250 $ 123,000
Routt, Colorado 8 $ 3,450,000 $ 431,250 $ 114,000
Miami-Dade, Florida 8 $ 1,826,000 $ 228,250 $ 0
Santa Fe, New Mexico 8 $ 3,058,000 $ 382,250 $ 93,000
Kay, Oklahoma 8 $ 351,000 $ 43,875 $ 49,000
Lewis, Washington 8 $ 1,590,000 $ 198,750 $ 9,000
Campbell, Wyoming 8 $ 920,000 $ 115,000 $ 88,000
Teton, Wyoming 8 $ 6,714,000 $ 839,250 $ 458,000
Mono, California 7 $ 3,273,000 $ 467,571 $ 729,000
Pueblo, Colorado 7 $ 1,102,000 $ 157,428 $ 55,000
Clay, Florida 7 $ 787,000 $ 112,428 $ 0
Decatur, Iowa 7 $ 1,151,000 $ 164,428 $ 24,000
Nobles, Minnesota 7 $ 1,080,000 $ 154,285 $ 41,000
Cass, Nebraska 7 $ 502,000 $ 71,714 $ 66,000
Saunders, Nebraska 7 $ 642,000 $ 91,714 $ 84,000
Franklin, Washington 7 $ 690,000 $ 98,571 $ 52,000
Niobrara, Wyoming 7 $ 328,000 $ 46,857 $ 36,000
Broward, Florida 6 $ 1,175,000 $ 195,833 $ 0
Palm Beach, Florida 6 $ 1,129,000 $ 188,166 $ 0
Johnson, Iowa 6 $ 1,031,000 $ 171,833 $ 114,000
Reno, Kansas 6 $ 452,000 $ 75,333 $ 87,000
Dakota, Minnesota 6 $ 1,261,000 $ 210,166 $ 109,000
Fillmore, Minnesota 6 $ 393,000 $ 65,500 $ 45,000
Jackson, Minnesota 6 $ 292,000 $ 48,666 $ 67,000
Otter Tail, Minnesota 6 $ 693,000 $ 115,500 $ 98,000
Gage, Nebraska 6 $ 414,000 $ 69,000 $ 43,000
Rogers, Oklahoma 6 $ 687,000 $ 114,500 $ 84,000
Tooele, Utah 6 $ 1,459,000 $ 243,166 $ 0
Platte, Wyoming 6 $ 374,000 $ 62,333 $ 39,000
Sublette, Wyoming 6 $ 1,036,000 $ 172,666 $ 75,000
Mariposa, California 5 $ 765,000 $ 153,000 $ 61,000
Yuba, California 5 $ 686,000 $ 137,200 $ 13,000
St. Johns, Florida 5 $ 729,000 $ 145,800 $ 0
Volusia, Florida 5 $ 614,000 $ 122,800 $ 0
Lake, Illinois 5 $ 317,000 $ 63,400 $ 0
Jones, Iowa 5 $ 486,000 $ 97,200 $ 82,000
Scott, Iowa 5 $ 1,078,000 $ 215,600 $ 37,000
Clay, Minnesota 5 $ 568,000 $ 113,600 $ 40,000
Grant, Minnesota 5 $ 429,000 $ 85,800 $ 55,000
Hubbard, Minnesota 5 $ 971,000 $ 194,200 $ 105,000
Murray, Minnesota 5 $ 555,000 $ 111,000 $ 67,000
Traverse, Minnesota 5 $ 337,000 $ 67,400 $ 73,000
Cass, Missouri 5 $ 717,000 $ 143,400 $ 63,000
Churchill, Nevada 5 $ 840,000 $ 168,000 $ 28,000
Carter, Oklahoma 5 $ 950,000 $ 190,000 $ 97,000
Logan, Oklahoma 5 $ 790,000 $ 158,000 $ 73,000
Payne, Oklahoma 5 $ 427,000 $ 85,400 $ 41,000
Clatsop, Oregon 5 $ 3,484,000 $ 696,800 $ 49,000
Coos, Oregon 5 $ 892,000 $ 178,400 $ 79,000
Tillamook, Oregon 5 $ 2,106,000 $ 421,200 $ 111,000
Spink, South Dakota 5 $ 281,000 $ 56,200 $ 44,000
Davidson, Tennessee 5 $ 556,000 $ 111,200 $ 19,000
Washington, Utah 5 $ 2,135,000 $ 427,000 $ 89,000
Cowlitz, Washington 5 $ 2,465,000 $ 493,000 $ 0
Waukesha, Wisconsin 5 $ 1,086,000 $ 217,200 $ 0
Plumas, California 4 $ 1,407,000 $ 351,750 $ 327,000
Huerfano, Colorado 4 $ 407,000 $ 101,750 $ 68,000
Teller, Colorado 4 $ 1,543,000 $ 385,750 $ 160,000
St. Lucie, Florida 4 $ 573,000 $ 143,250 $ 0
Gem, Idaho 4 $ 592,000 $ 148,000 $ 0
Lake, Indiana 4 $ 363,000 $ 90,750 $ 0
Wapello, Iowa 4 $ 287,000 $ 71,750 $ 42,000
Douglas, Kansas 4 $ 812,000 $ 203,000 $ 71,000
McLeod, Minnesota 4 $ 1,014,000 $ 253,500 $ 95,000
Pope, Minnesota 4 $ 337,000 $ 84,250 $ 63,000
Wilkin, Minnesota 4 $ 56,000 $ 14,000 $ 86,000
Cherry, Nebraska 4 $ 149,000 $ 37,250 $ 41,000
Custer, Nebraska 4 $ 253,000 $ 63,250 $ 47,000
Dakota, Nebraska 4 $ 404,000 $ 101,000 $ 35,000
Scotts Bluff, Nebraska 4 $ 151,000 $ 37,750 $ 68,000
Stark, North Dakota 4 $ 579,000 $ 144,750 $ 68,000
Major, Oklahoma 4 $ 277,000 $ 69,250 $ 59,000
Washington, Oklahoma 4 $ 260,000 $ 65,000 $ 60,000
Union, Oregon 4 $ 3,298,000 $ 824,500 $ 648,000
Potter, South Dakota 4 $ 105,000 $ 26,250 $ 48,000
Wasatch, Utah 4 $ 4,859,000 $ 1,214,750 $ 248,000
Shasta, California 3 $ 776,000 $ 258,666 $ 24,000
Tehama, California 3 $ 1,565,000 $ 521,666 $ 574,000
Archuleta, Colorado 3 $ 399,000 $ 133,000 $ 83,000
Garfield, Colorado 3 $ 2,262,000 $ 754,000 $ 139,000
Martin, Florida 3 $ 429,000 $ 143,000 $ 0
Nassau, Florida 3 $ 476,000 $ 158,666 $ 0
Payette, Idaho 3 $ 408,000 $ 136,000 $ 148,000
Valley, Idaho 3 $ 1,409,000 $ 469,666 $ 110,000
DuPage, Illinois 3 $ 4,437,000 $ 1,479,000 $ 0
Jasper, Iowa 3 $ 285,000 $ 95,000 $ 78,000
Mills, Iowa 3 $ 221,000 $ 73,666 $ 47,000
Edwards, Kansas 3 $ 107,000 $ 35,666 $ 48,000
Olmsted, Minnesota 3 $ 344,000 $ 114,666 $ 61,000
Washington, Minnesota 3 $ 574,000 $ 191,333 $ 65,000
Fillmore, Nebraska 3 $ 37,000 $ 12,333 $ 55,000
Franklin, Nebraska 3 $ 156,000 $ 52,000 $ 66,000
Kearney, Nebraska 3 $ 391,000 $ 130,333 $ 71,000
Kimball, Nebraska 3 $ 135,000 $ 45,000 $ 50,000
Stanton, Nebraska 3 $ 122,000 $ 40,666 $ 101,000
Storey, Nevada 3 $ 318,000 $ 106,000 $ 49,000
Otero, New Mexico 3 $ 388,000 $ 129,333 $ 72,000
Billings, North Dakota 3 $ 440,000 $ 146,666 $ 78,000
Alfalfa, Oklahoma 3 $ 20,000 $ 6,666 $ 84,000
Lincoln, Oklahoma 3 $ 177,000 $ 59,000 $ 39,000
McClain, Oklahoma 3 $ 147,000 $ 49,000 $ 49,000
Muskogee, Oklahoma 3 $ 773,000 $ 257,666 $ 264,000
Wagoner, Oklahoma 3 $ 140,000 $ 46,666 $ 89,000
Douglas, Oregon 3 $ 1,446,000 $ 482,000 $ 77,000
Lane, Oregon 3 $ 878,000 $ 292,666 $ 43,000
Clark, South Dakota 3 $ 379,000 $ 126,333 $ 48,000
Fall River, South Dakota 3 $ 171,000 $ 57,000 $ 39,000
Perkins, South Dakota 3 $ 163,000 $ 54,333 $ 35,000
Todd, South Dakota 3 $ 70,000 $ 23,333 $ 47,000
Harris, Texas 3 $ 1,340,000 $ 446,666 $ 0
Box Elder, Utah 3 $ 327,000 $ 109,000 $ 0
Kane, Utah 3 $ 1,012,000 $ 337,333 $ 148,000
Grays Harbor, Washington 3 $ 3,724,000 $ 1,241,333 $ 0
Douglas, Wisconsin 3 $ 130,000 $ 43,333 $ 69,000
Albany, Wyoming 3 $ 946,000 $ 315,333 $ 142,000
Big Horn, Wyoming 3 $ 587,000 $ 195,666 $ 86,000
Converse, Wyoming 3 $ 305,000 $ 101,666 $ 108,000
Matanuska-Susitna, Alaska 2 $ 170,000 $ 85,000 $ 0
Cochise, Arizona 2 $ 565,000 $ 282,500 $ 0
Siskiyou, California 2 $ 725,000 $ 362,500 $ 89,000
Pitkin, Colorado 2 $ 8,000,000 $ 4,000,000 $ 870,000
San Juan, Colorado 2 $ 323,000 $ 161,500 $ 41,000
Washington, Colorado 2 $ 30,000 $ 15,000 $ 37,000
Charlotte, Florida 2 $ 186,000 $ 93,000 $ 0
Pasco, Florida 2 $ 154,000 $ 77,000 $ 0
Cobb, Georgia 2 $ 154,000 $ 77,000 $ 0
Bannock, Idaho 2 $ 59,000 $ 29,500 $ 30,000
Bonner, Idaho 2 $ 1,535,000 $ 767,500 $ 385,000
Bonneville, Idaho 2 $ 596,000 $ 298,000 $ 0
Elmore, Idaho 2 $ 128,000 $ 64,000 $ 14,000
Teton, Idaho 2 $ 691,000 $ 345,500 $ 99,000
Washington, Idaho 2 $ 165,000 $ 82,500 $ 39,000
Will, Illinois 2 $ 638,000 $ 319,000 $ 0
Marion, Indiana 2 $ 458,000 $ 229,000 $ 0
Allamakee, Iowa 2 $ 124,000 $ 62,000 $ 48,000
Cass, Iowa 2 $ 348,000 $ 174,000 $ 123,000
Fayette, Iowa 2 $ 136,000 $ 68,000 $ 48,000
Marion, Iowa 2 $ 155,000 $ 77,500 $ 41,000
Monona, Iowa 2 $ 978,000 $ 489,000 $ 279,000
Ringgold, Iowa 2 $ 111,000 $ 55,500 $ 47,000
Anderson, Kansas 2 $ 128,000 $ 64,000 $ 39,000
Chautauqua, Kansas 2 $ 230,000 $ 115,000 $ 79,000
Ellis, Kansas 2 $ 8,000 $ 4,000 $ 26,000
Jefferson, Kansas 2 $ 186,000 $ 93,000 $ 70,000
Kingman, Kansas 2 $ 131,000 $ 65,500 $ 48,000
Woodson, Kansas 2 $ 113,000 $ 56,500 $ 53,000
Carver, Minnesota 2 $ 542,000 $ 271,000 $ 0
Cass, Minnesota 2 $ 162,000 $ 81,000 $ 106,000
Isanti, Minnesota 2 $ 299,000 $ 149,500 $ 97,000
Meeker, Minnesota 2 $ 268,000 $ 134,000 $ 77,000
Redwood, Minnesota 2 $ 94,000 $ 47,000 $ 37,000
Scott, Minnesota 2 $ 336,000 $ 168,000 $ 56,000
Sherburne, Minnesota 2 $ 265,000 $ 132,500 $ 46,000
St. Louis, Minnesota 2 $ 348,000 $ 174,000 $ 45,000
Morgan, Missouri 2 $ 60,000 $ 30,000 $ 117,000
Colfax, Nebraska 2 $ 60,000 $ 30,000 $ 50,000
Dawson, Nebraska 2 $ 125,000 $ 62,500 $ 15,000
Hamilton, Nebraska 2 $ 248,000 $ 124,000 $ 70,000
Hooker, Nebraska 2 $ 76,000 $ 38,000 $ 37,000
Morrill, Nebraska 2 $ 178,000 $ 89,000 $ 32,000
Otoe, Nebraska 2 $ 194,000 $ 97,000 $ 78,000
Pierce, Nebraska 2 $ 126,000 $ 63,000 $ 22,000
Polk, Nebraska 2 $ 30,000 $ 15,000 $ 120,000
Los Alamos, New Mexico 2 $ 805,000 $ 402,500 $ 168,000
Socorro, New Mexico 2 $ 14,000 $ 7,000 $ 52,000
Mecklenburg, North Carolina 2 $ 670,000 $ 335,000 $ 0
Golden Valley, North Dakota 2 $ 225,000 $ 112,500 $ 17,000
Williams, North Dakota 2 $ 555,000 $ 277,500 $ 167,000
Comanche, Oklahoma 2 $ 65,000 $ 32,500 $ 4,000
Creek, Oklahoma 2 $ 54,000 $ 27,000 $ 104,000
Grady, Oklahoma 2 $ 640,000 $ 320,000 $ 100,000
Hughes, Oklahoma 2 $ 298,000 $ 149,000 $ 131,000
Osage, Oklahoma 2 $ 220,000 $ 110,000 $ 141,000
Jefferson, Oregon 2 $ 710,000 $ 355,000 $ 30,000
Klamath, Oregon 2 $ 447,000 $ 223,500 $ 77,000
Linn, Oregon 2 $ 518,000 $ 259,000 $ 123,000
Polk, Oregon 2 $ 438,000 $ 219,000 $ 185,000
Beadle, South Dakota 2 $ 209,000 $ 104,500 $ 44,000
Brown, South Dakota 2 $ 438,000 $ 219,000 $ 111,000
Davison, South Dakota 2 $ 68,000 $ 34,000 $ 138,000
Minnehaha, South Dakota 2 $ 246,000 $ 123,000 $ 58,000
Union, South Dakota 2 $ 132,000 $ 66,000 $ 89,000
Yankton, South Dakota 2 $ 280,000 $ 140,000 $ 0
Sanpete, Utah 2 $ 650,000 $ 325,000 $ 14,000
Uintah, Utah 2 $ 127,000 $ 63,500 $ 0
Clallam, Washington 2 $ 1,050,000 $ 525,000 $ 116,000
Ferry, Washington 2 $ 365,000 $ 182,500 $ 90,000
Island, Washington 2 $ 801,000 $ 400,500 $ 228,000
Klickitat, Washington 2 $ 432,000 $ 216,000 $ 80,000
Skamania, Washington 2 $ 944,000 $ 472,000 $ 81,000
Walla Walla, Washington 2 $ 249,000 $ 124,500 $ 80,000
Whatcom, Washington 2 $ 462,000 $ 231,000 $ 162,000
Washington, Wisconsin 2 $ 233,000 $ 116,500 $ 80,000
Winnebago, Wisconsin 2 $ 1,400,000 $ 700,000 $ 12,000
Goshen, Wyoming 2 $ 201,000 $ 100,500 $ 37,000
Johnson, Wyoming 2 $ 302,000 $ 151,000 $ 44,000
Graham, Arizona 1 $ 3,250,000 $ 3,250,000 $ 0
Marion, Arkansas 1 $ 30,000 $ 30,000 $ 138,000
Alpine, California 1 $ 520,000 $ 520,000 $ 189,000
Glenn, California 1 $ 160,000 $ 160,000 $ 86,000
Sierra, California 1 $ 200,000 $ 200,000 $ 70,000
Conejos, Colorado 1 $ 185,000 $ 185,000 $ 105,000
Fremont, Colorado 1 $ 100,000 $ 100,000 $ 48,000
Gilpin, Colorado 1 $ 517,000 $ 517,000 $ 508,000
La Plata, Colorado 1 $ 368,000 $ 368,000 $ 0
Montezuma, Colorado 1 $ 120,000 $ 120,000 $ 130,000
Rio Blanco, Colorado 1 $ 122,000 $ 122,000 $ 74,000
San Miguel, Colorado 1 $ 664,000 $ 664,000 $ 728,000
Sedgwick, Colorado 1 $ 10,000 $ 10,000 $ 106,000
Seminole, Florida 1 $ 144,000 $ 144,000 $ 0
Lowndes, Georgia 1 $ 469,000 $ 469,000 $ 0
Hawaii, Hawaii 1 $ 650,000 $ 650,000 $ 0
Honolulu, Hawaii 1 $ 1,500,000 $ 1,500,000 $ 0
Maui, Hawaii 1 $ 612,000 $ 612,000 $ 510,000
Adams, Idaho 1 $ 813,000 $ 813,000 $ 0
Bingham, Idaho 1 $ 89,000 $ 89,000 $ 0
Cassia, Idaho 1 $ 5,000 $ 5,000 $ 72,000
Jefferson, Idaho 1 $ 380,000 $ 380,000 $ 92,000
Owyhee, Idaho 1 $ 71,000 $ 71,000 $ 72,000
Peoria, Illinois 1 $ 195,000 $ 195,000 $ 0
Vermilion, Illinois 1 $ 330,000 $ 330,000 $ 0
Winnebago, Illinois 1 $ 315,000 $ 315,000 $ 0
Appanoose, Iowa 1 $ 20,000 $ 20,000 $ 87,000
Buena Vista, Iowa 1 $ 76,000 $ 76,000 $ 85,000
Cerro Gordo, Iowa 1 $ 124,000 $ 124,000 $ 32,000
Chickasaw, Iowa 1 $ 118,000 $ 118,000 $ 35,000
Clayton, Iowa 1 $ 216,000 $ 216,000 $ 125,000
Delaware, Iowa 1 $ 3,000 $ 3,000 $ 60,000
Greene, Iowa 1 $ 48,000 $ 48,000 $ 33,000
Hamilton, Iowa 1 $ 8,000 $ 8,000 $ 36,000
Hardin, Iowa 1 $ 130,000 $ 130,000 $ 112,000
Howard, Iowa 1 $ 79,000 $ 79,000 $ 29,000
Keokuk, Iowa 1 $ 38,000 $ 38,000 $ 0
Lucas, Iowa 1 $ 120,000 $ 120,000 $ 52,000
Madison, Iowa 1 $ 81,000 $ 81,000 $ 33,000
Mahaska, Iowa 1 $ 62,000 $ 62,000 $ 105,000
Marshall, Iowa 1 $ 58,000 $ 58,000 $ 33,000
Mitchell, Iowa 1 $ 54,000 $ 54,000 $ 57,000
O'Brien, Iowa 1 $ 76,000 $ 76,000 $ 28,000
Plymouth, Iowa 1 $ 4,000 $ 4,000 $ 86,000
Poweshiek, Iowa 1 $ 262,000 $ 262,000 $ 88,000
Webster, Iowa 1 $ 92,000 $ 92,000 $ 40,000
Woodbury, Iowa 1 $ 137,000 $ 137,000 $ 47,000
Wright, Iowa 1 $ 108,000 $ 108,000 $ 78,000
Clay, Kansas 1 $ 26,000 $ 26,000 $ 72,000
Decatur, Kansas 1 $ 75,000 $ 75,000 $ 60,000
Dickinson, Kansas 1 $ 133,000 $ 133,000 $ 79,000
Gray, Kansas 1 $ 56,000 $ 56,000 $ 94,000
Haskell, Kansas 1 $ 104,000 $ 104,000 $ 50,000
Leavenworth, Kansas 1 $ 369,000 $ 369,000 $ 241,000
Lincoln, Kansas 1 $ 376,000 $ 376,000 $ 243,000
Meade, Kansas 1 $ 54,000 $ 54,000 $ 52,000
Miami, Kansas 1 $ 250,000 $ 250,000 $ 331,000
Morris, Kansas 1 $ 21,000 $ 21,000 $ 51,000
Saline, Kansas 1 $ 61,000 $ 61,000 $ 66,000
Seward, Kansas 1 $ 15,000 $ 15,000 $ 73,000
Stafford, Kansas 1 $ 400,000 $ 400,000 $ 49,000
Stevens, Kansas 1 $ 159,000 $ 159,000 $ 55,000
Trego, Kansas 1 $ 40,000 $ 40,000 $ 84,000
Iosco, Michigan 1 $ 378,000 $ 378,000 $ 250,000
Benton, Minnesota 1 $ 158,000 $ 158,000 $ 73,000
Brown, Minnesota 1 $ 195,000 $ 195,000 $ 66,000
Chippewa, Minnesota 1 $ 124,000 $ 124,000 $ 47,000
Douglas, Minnesota 1 $ 175,000 $ 175,000 $ 0
Faribault, Minnesota 1 $ 900,000 $ 900,000 $ 307,000
Martin, Minnesota 1 $ 59,000 $ 59,000 $ 57,000
Mower, Minnesota 1 $ 6,000 $ 6,000 $ 36,000
Nicollet, Minnesota 1 $ 255,000 $ 255,000 $ 125,000
Yellow Medicine, Minnesota 1 $ 8,000 $ 8,000 $ 68,000
Camden, Missouri 1 $ 120,000 $ 120,000 $ 94,000
Clinton, Missouri 1 $ 97,000 $ 97,000 $ 36,000
Daviess, Missouri 1 $ 950,000 $ 950,000 $ 380,000
Gentry, Missouri 1 $ 95,000 $ 95,000 $ 340,000
Greene, Missouri 1 $ 126,000 $ 126,000 $ 110,000
Lafayette, Missouri 1 $ 235,000 $ 235,000 $ 37,000
Ray, Missouri 1 $ 66,000 $ 66,000 $ 0
St. Louis, Missouri 1 $ 675,000 $ 675,000 $ 0
Taney, Missouri 1 $ 122,000 $ 122,000 $ 100,000
Adams, Nebraska 1 $ 103,000 $ 103,000 $ 78,000
Antelope, Nebraska 1 $ 136,000 $ 136,000 $ 31,000
Brown, Nebraska 1 $ 135,000 $ 135,000 $ 66,000
Burt, Nebraska 1 $ 7,000 $ 7,000 $ 30,000
Butler, Nebraska 1 $ 2,000 $ 2,000 $ 30,000
Cedar, Nebraska 1 $ 58,000 $ 58,000 $ 49,000
Cheyenne, Nebraska 1 $ 160,000 $ 160,000 $ 72,000
Frontier, Nebraska 1 $ 8,000 $ 8,000 $ 40,000
Garfield, Nebraska 1 $ 170,000 $ 170,000 $ 71,000
Howard, Nebraska 1 $ 7,000 $ 7,000 $ 44,000
Keith, Nebraska 1 $ 108,000 $ 108,000 $ 62,000
Nemaha, Nebraska 1 $ 276,000 $ 276,000 $ 190,000
Saline, Nebraska 1 $ 240,000 $ 240,000 $ 75,000
Seward, Nebraska 1 $ 210,000 $ 210,000 $ 130,000
Thurston, Nebraska 1 $ 100,000 $ 100,000 $ 117,000
Valley, Nebraska 1 $ 72,000 $ 72,000 $ 139,000
Washington, Nebraska 1 $ 259,000 $ 259,000 $ 137,000
Wayne, Nebraska 1 $ 45,000 $ 45,000 $ 105,000
Elko, Nevada 1 $ 1,421,000 $ 1,421,000 $ 0
Eureka, Nevada 1 $ 175,000 $ 175,000 $ 89,000
White Pine, Nevada 1 $ 59,000 $ 59,000 $ 0
Catron, New Mexico 1 $ 25,000 $ 25,000 $ 71,000
McKinley, New Mexico 1 $ 43,000 $ 43,000 $ 152,000
Rio Arriba, New Mexico 1 $ 188,000 $ 188,000 $ 153,000
Roosevelt, New Mexico 1 $ 4,400,000 $ 4,400,000 $ 8,681,000
San Juan, New Mexico 1 $ 70,000 $ 70,000 $ 90,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2017

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
Home Purchase 6,782 $2,948,261,000 $434,000 $61,600,000 $121,000 $5,740,000
Refinancing 6,318 $2,786,664,000 $441,000 $24,500,000 $143,000 $9,999,000
Home Improvement 2,423 $428,369,000 $176,000 $3,300,000 $92,000 $1,633,000

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 7,791 $3,082,525,000 $395,000 $11,500,000 $153,000 $8,681,000
Not applicable 2,854 $1,068,063,000 $374,000 $61,600,000 $0 $0
Hispanic 1,623 $421,932,000 $259,000 $4,495,000 $116,000 $9,999,000
Asian 1,533 $907,989,000 $592,000 $6,000,000 $198,000 $4,200,000
Not Provided 1,312 $569,240,000 $433,000 $4,800,000 $167,000 $3,507,000
Black or African American 269 $78,023,000 $290,000 $2,100,000 $105,000 $2,164,000
American Indian or Alaskan Native 81 $16,438,000 $202,000 $1,040,000 $89,000 $547,000
Native Hawaiian or Other Pacific Islander 60 $19,084,000 $318,000 $1,204,000 $118,000 $626,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 14,920 $6,040,382,000 $404,000 $61,600,000 $128,000 $9,999,000
FHA-insured (Federal Housing Administration) 397 $79,023,000 $199,000 $1,002,000 $65,000 $250,000
VA-guaranteed (Veterans Administration) 174 $39,858,000 $229,000 $697,000 $71,000 $292,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 32 $4,031,000 $125,000 $318,000 $47,000 $94,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 9,059 $3,432,260,000 $378,000 $11,500,000 $124,000 $9,999,000
Application Denied By Financial Institution 3,719 $1,612,658,000 $433,000 $61,600,000 $122,000 $3,547,000
Application Withdrawn By Applicant 2,225 $998,279,000 $448,000 $20,000,000 $143,000 $4,200,000
Loan Purchased By The Institution 351 $62,493,000 $178,000 $653,000 $63,000 $362,000
Application Approved But Not Accepted 169 $57,604,000 $340,000 $2,650,000 $162,000 $2,004,000
File Closed For Incompleteness 0 $0 $0 $0 $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 1,046 $504,547,000 $482,000 $6,000,000 $76,000 $1,472,000
Unverifiable Information 939 $452,940,000 $482,000 $9,870,000 $163,000 $1,902,000
Credit History 700 $88,197,000 $125,000 $3,000,000 $97,000 $3,547,000
Credit Application Incomplete 481 $290,183,000 $603,000 $61,600,000 $135,000 $1,076,000
Collateral 376 $164,911,000 $438,000 $3,720,000 $148,000 $2,432,000
Other 89 $65,189,000 $732,000 $24,500,000 $223,000 $3,208,000
Insufficient Cash (Downpayment, Closing Cost) 54 $32,960,000 $610,000 $3,000,000 $213,000 $1,633,000
Employment History 31 $11,486,000 $370,000 $1,359,000 $70,000 $192,000
Mortgage Insurance Denied 3 $2,245,000 $748,000 $868,000 $212,000 $268,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2017 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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