Bank of the West Mortgage Lending & HMDA Data, 2018

In 2018, Bank of the West of San Francisco, CA reported 33,042 mortgage applications totaling $9.4 billion, up 113% from 2017. The average application was for $284,788, and applicants reported an average income of $165,338. 56% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,836), Oakland-Hayward-Berkeley, CA (2,420) and Denver-Aurora-Lakewood, CO (2,355) (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 33,042
Total Mortgage Loan Application Amount $9,409,980,000
Average Mortgage Loan Application Amount $284,788
Highest Mortgage Loan Application Amount $6,505,000
Average Applicant Income $165,338
Highest Applicant Income $9,380,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2018

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 5,836 $ 2,093,430,000 $ 358,709 $ 193,000
Orange, California 1,513 $ 640,295,000 $ 423,195 $ 253,000
Santa Clara, California 1,492 $ 757,120,000 $ 507,453 $ 202,000
Alameda, California 1,352 $ 526,880,000 $ 389,704 $ 175,000
Contra Costa, California 1,068 $ 358,840,000 $ 335,992 $ 160,000
San Joaquin, California 825 $ 161,335,000 $ 195,557 $ 115,000
Stanislaus, California 745 $ 129,875,000 $ 174,328 $ 125,000
Clark, Nevada 694 $ 141,210,000 $ 203,472 $ 168,000
Jefferson, Colorado 611 $ 130,985,000 $ 214,378 $ 121,000
San Bernardino, California 541 $ 121,435,000 $ 224,463 $ 150,000
San Mateo, California 535 $ 328,225,000 $ 613,504 $ 256,000
Denver, Colorado 525 $ 132,005,000 $ 251,438 $ 136,000
San Diego, California 521 $ 241,335,000 $ 463,214 $ 261,000
Riverside, California 498 $ 140,310,000 $ 281,746 $ 196,000
Sonoma, California 489 $ 145,665,000 $ 297,883 $ 147,000
Arapahoe, Colorado 480 $ 93,790,000 $ 195,395 $ 124,000
Bernalillo, New Mexico 452 $ 57,620,000 $ 127,477 $ 89,000
San Francisco, California 446 $ 252,410,000 $ 565,941 $ 246,000
Maricopa, Arizona 412 $ 95,650,000 $ 232,160 $ 140,000
Douglas, Nebraska 408 $ 54,270,000 $ 133,014 $ 102,000
Sacramento, California 404 $ 99,370,000 $ 245,965 $ 153,000
Adams, Colorado 370 $ 66,420,000 $ 179,513 $ 100,000
Fresno, California 338 $ 60,580,000 $ 179,230 $ 128,000
Solano, California 303 $ 60,685,000 $ 200,280 $ 134,000
Pima, Arizona 280 $ 45,810,000 $ 163,607 $ 99,000
Ventura, California 275 $ 90,185,000 $ 327,945 $ 192,000
Multnomah, Oregon 267 $ 74,935,000 $ 280,655 $ 150,000
Santa Cruz, California 235 $ 68,735,000 $ 292,489 $ 162,000
Polk, Iowa 229 $ 25,745,000 $ 112,423 $ 91,000
Washington, Oregon 222 $ 50,270,000 $ 226,441 $ 150,000
Washoe, Nevada 217 $ 56,895,000 $ 262,188 $ 134,000
Boulder, Colorado 208 $ 63,130,000 $ 303,509 $ 162,000
Douglas, Colorado 206 $ 61,370,000 $ 297,912 $ 188,000
Clackamas, Oregon 204 $ 47,550,000 $ 233,088 $ 132,000
Sedgwick, Kansas 197 $ 20,005,000 $ 101,548 $ 120,000
Placer, California 184 $ 56,740,000 $ 308,369 $ 194,000
Tulare, California 183 $ 30,505,000 $ 166,693 $ 110,000
Jackson, Missouri 168 $ 21,140,000 $ 125,833 $ 86,000
King, Washington 160 $ 76,560,000 $ 478,500 $ 182,000
Santa Barbara, California 157 $ 71,395,000 $ 454,745 $ 313,000
Pinal, Arizona 156 $ 18,740,000 $ 120,128 $ 79,000
El Dorado, California 152 $ 45,720,000 $ 300,789 $ 165,000
Marin, California 150 $ 100,220,000 $ 668,133 $ 327,000
Kern, California 146 $ 23,170,000 $ 158,698 $ 159,000
Napa, California 146 $ 46,800,000 $ 320,547 $ 177,000
Salt Lake, Utah 141 $ 35,675,000 $ 253,014 $ 161,000
Monterey, California 140 $ 49,550,000 $ 353,928 $ 192,000
Ada, Idaho 134 $ 28,570,000 $ 213,208 $ 141,000
Weld, Colorado 130 $ 23,500,000 $ 180,769 $ 104,000
Lancaster, Nebraska 126 $ 14,560,000 $ 115,555 $ 76,000
Larimer, Colorado 121 $ 28,435,000 $ 235,000 $ 143,000
Butte, California 116 $ 12,460,000 $ 107,413 $ 90,000
Nevada, California 115 $ 25,075,000 $ 218,043 $ 137,000
Sandoval, New Mexico 114 $ 13,730,000 $ 120,438 $ 120,000
Mesa, Colorado 113 $ 16,285,000 $ 144,115 $ 96,000
Sarpy, Nebraska 106 $ 10,550,000 $ 99,528 $ 100,000
Oklahoma, Oklahoma 100 $ 9,750,000 $ 97,500 $ 76,000
Canyon, Idaho 99 $ 16,355,000 $ 165,202 $ 86,000
Lincoln, Oregon 92 $ 14,350,000 $ 155,978 $ 99,000
Linn, Iowa 90 $ 7,130,000 $ 79,222 $ 72,000
Summit, Colorado 88 $ 35,600,000 $ 404,545 $ 186,000
Lake, California 85 $ 12,335,000 $ 145,117 $ 94,000
Pierce, Washington 85 $ 22,225,000 $ 261,470 $ 187,000
Tulsa, Oklahoma 83 $ 9,035,000 $ 108,855 $ 130,000
Gunnison, Colorado 82 $ 35,180,000 $ 429,024 $ 188,000
Johnson, Kansas 82 $ 14,370,000 $ 175,243 $ 147,000
Dona Ana, New Mexico 82 $ 10,090,000 $ 123,048 $ 66,000
Merced, California 78 $ 15,170,000 $ 194,487 $ 150,000
Yolo, California 76 $ 17,070,000 $ 224,605 $ 143,000
Laramie, Wyoming 74 $ 9,980,000 $ 134,864 $ 115,000
El Paso, Colorado 73 $ 13,845,000 $ 189,657 $ 220,000
Dallas, Texas 65 $ 8,895,000 $ 136,846 $ 0
Harris, Texas 62 $ 9,010,000 $ 145,322 $ 97,000
Kings, California 61 $ 5,965,000 $ 97,786 $ 112,000
Grand, Colorado 61 $ 19,065,000 $ 312,540 $ 150,000
Boone, Iowa 60 $ 5,140,000 $ 85,666 $ 65,000
Montrose, Colorado 55 $ 7,295,000 $ 132,636 $ 91,000
Elbert, Colorado 54 $ 13,900,000 $ 257,407 $ 161,000
Spokane, Washington 54 $ 8,130,000 $ 150,555 $ 232,000
Lyon, Nevada 51 $ 7,335,000 $ 143,823 $ 104,000
Tarrant, Texas 51 $ 6,935,000 $ 135,980 $ 0
Park, Colorado 49 $ 8,645,000 $ 176,428 $ 90,000
Dallas, Iowa 49 $ 7,815,000 $ 159,489 $ 163,000
Valencia, New Mexico 49 $ 5,535,000 $ 112,959 $ 85,000
Clay, Missouri 47 $ 5,365,000 $ 114,148 $ 84,000
Box Butte, Nebraska 46 $ 4,280,000 $ 93,043 $ 76,000
Anoka, Minnesota 45 $ 6,035,000 $ 134,111 $ 100,000
Garfield, Oklahoma 45 $ 3,405,000 $ 75,666 $ 165,000
Cowley, Kansas 44 $ 3,350,000 $ 76,136 $ 74,000
Santa Fe, New Mexico 44 $ 9,420,000 $ 214,090 $ 172,000
Columbia, Oregon 44 $ 6,420,000 $ 145,909 $ 81,000
Marion, Oregon 44 $ 8,910,000 $ 202,500 $ 128,000
Harvey, Kansas 43 $ 2,805,000 $ 65,232 $ 62,000
Davis, Utah 42 $ 12,670,000 $ 301,666 $ 187,000
Calaveras, California 41 $ 9,015,000 $ 219,878 $ 124,000
San Benito, California 41 $ 11,305,000 $ 275,731 $ 179,000
Cass, North Dakota 41 $ 5,495,000 $ 134,024 $ 78,000
Fremont, Wyoming 41 $ 5,845,000 $ 142,560 $ 81,000
Winneshiek, Iowa 38 $ 3,440,000 $ 90,526 $ 72,000
Duval, Florida 37 $ 4,515,000 $ 122,027 $ 0
Lyon, Minnesota 37 $ 4,255,000 $ 115,000 $ 81,000
Benton, Washington 37 $ 6,805,000 $ 183,918 $ 105,000
San Luis Obispo, California 36 $ 15,890,000 $ 441,388 $ 298,000
Douglas, Nevada 36 $ 10,940,000 $ 303,888 $ 166,000
Wasco, Oregon 36 $ 7,760,000 $ 215,555 $ 78,000
Chaffee, Colorado 35 $ 6,825,000 $ 195,000 $ 119,000
Clark, Washington 35 $ 8,175,000 $ 233,571 $ 146,000
Albany, Wyoming 35 $ 6,425,000 $ 183,571 $ 130,000
Broomfield, Colorado 34 $ 7,690,000 $ 226,176 $ 108,000
Las Animas, Colorado 34 $ 3,490,000 $ 102,647 $ 57,000
Franklin, Kansas 34 $ 2,950,000 $ 86,764 $ 65,000
Moffat, Colorado 33 $ 3,665,000 $ 111,060 $ 77,000
Morgan, Colorado 33 $ 5,125,000 $ 155,303 $ 124,000
Routt, Colorado 33 $ 9,905,000 $ 300,151 $ 189,000
Platte, Missouri 33 $ 3,765,000 $ 114,090 $ 142,000
Weber, Utah 33 $ 9,995,000 $ 302,878 $ 283,000
Thurston, Washington 33 $ 5,745,000 $ 174,090 $ 129,000
Delta, Colorado 32 $ 3,360,000 $ 105,000 $ 64,000
Buffalo, Nebraska 32 $ 4,620,000 $ 144,375 $ 81,000
Clay, South Dakota 32 $ 4,480,000 $ 140,000 $ 103,000
Hillsborough, Florida 31 $ 4,625,000 $ 149,193 $ 0
Utah, Utah 31 $ 18,995,000 $ 612,741 $ 240,000
Snohomish, Washington 31 $ 12,895,000 $ 415,967 $ 140,000
Cleveland, Oklahoma 30 $ 4,370,000 $ 145,666 $ 115,000
Bexar, Texas 30 $ 3,850,000 $ 128,333 $ 0
Lincoln, Wyoming 30 $ 3,710,000 $ 123,666 $ 114,000
Sweetwater, Wyoming 30 $ 3,190,000 $ 106,333 $ 78,000
Warren, Iowa 29 $ 3,555,000 $ 122,586 $ 78,000
Butler, Kansas 29 $ 2,545,000 $ 87,758 $ 106,000
Canadian, Oklahoma 29 $ 3,745,000 $ 129,137 $ 109,000
Ford, Kansas 28 $ 2,630,000 $ 93,928 $ 73,000
Yakima, Washington 28 $ 3,490,000 $ 124,642 $ 106,000
Carson City, Nevada 27 $ 5,785,000 $ 214,259 $ 96,000
Kittitas, Washington 27 $ 5,745,000 $ 212,777 $ 99,000
Mohave, Arizona 26 $ 5,100,000 $ 196,153 $ 141,000
Yavapai, Arizona 26 $ 4,240,000 $ 163,076 $ 83,000
Tuolumne, California 26 $ 4,810,000 $ 185,000 $ 146,000
Otter Tail, Minnesota 26 $ 5,980,000 $ 230,000 $ 145,000
Cass, Missouri 26 $ 4,400,000 $ 169,230 $ 119,000
Decatur, Iowa 25 $ 1,865,000 $ 74,600 $ 48,000
Carbon, Wyoming 25 $ 3,725,000 $ 149,000 $ 104,000
Sheridan, Wyoming 25 $ 3,275,000 $ 131,000 $ 90,000
Carroll, Iowa 24 $ 1,550,000 $ 64,583 $ 65,000
Lincoln, Nebraska 24 $ 2,260,000 $ 94,166 $ 85,000
Madera, California 23 $ 3,285,000 $ 142,826 $ 117,000
Finney, Kansas 23 $ 1,765,000 $ 76,739 $ 52,000
Hall, Nebraska 23 $ 1,705,000 $ 74,130 $ 72,000
Pontotoc, Oklahoma 23 $ 2,225,000 $ 96,739 $ 91,000
Sutter, California 22 $ 4,780,000 $ 217,272 $ 101,000
Clear Creek, Colorado 22 $ 10,350,000 $ 470,454 $ 155,000
Eagle, Colorado 22 $ 17,440,000 $ 792,727 $ 240,000
Logan, Colorado 22 $ 2,100,000 $ 95,454 $ 139,000
Hennepin, Minnesota 22 $ 5,220,000 $ 237,272 $ 115,000
Morrison, Minnesota 22 $ 2,680,000 $ 121,818 $ 76,000
Grant, Minnesota 21 $ 1,525,000 $ 72,619 $ 73,000
Swift, Minnesota 21 $ 1,755,000 $ 83,571 $ 80,000
Fort Bend, Texas 21 $ 3,345,000 $ 159,285 $ 0
Gila, Arizona 20 $ 1,860,000 $ 93,000 $ 93,000
Pueblo, Colorado 20 $ 2,030,000 $ 101,500 $ 93,000
Barton, Kansas 20 $ 1,010,000 $ 50,500 $ 62,000
Ramsey, Minnesota 20 $ 3,350,000 $ 167,500 $ 101,000
Stearns, Minnesota 20 $ 2,390,000 $ 119,500 $ 115,000
Platte, Nebraska 20 $ 2,020,000 $ 101,000 $ 61,000
Seminole, Oklahoma 20 $ 1,870,000 $ 93,500 $ 74,000
Umatilla, Oregon 20 $ 2,320,000 $ 116,000 $ 72,000
Apache, Arizona 19 $ 2,595,000 $ 136,578 $ 90,000
Navajo, Arizona 19 $ 1,675,000 $ 88,157 $ 83,000
Natrona, Wyoming 19 $ 2,235,000 $ 117,631 $ 104,000
Blaine, Idaho 18 $ 8,160,000 $ 453,333 $ 182,000
Cook, Illinois 18 $ 7,150,000 $ 397,222 $ 5,000
Pottawattamie, Iowa 18 $ 2,180,000 $ 121,111 $ 70,000
Sheridan, Nebraska 18 $ 1,100,000 $ 61,111 $ 64,000
Franklin, Washington 18 $ 3,760,000 $ 208,888 $ 69,000
Anchorage, Alaska 17 $ 2,495,000 $ 146,764 $ 0
Coconino, Arizona 17 $ 3,775,000 $ 222,058 $ 115,000
Orange, Florida 17 $ 2,565,000 $ 150,882 $ 0
Twin Falls, Idaho 17 $ 1,315,000 $ 77,352 $ 100,000
Clay, Minnesota 17 $ 1,895,000 $ 111,470 $ 71,000
Dodge, Nebraska 17 $ 1,445,000 $ 85,000 $ 72,000
Elko, Nevada 17 $ 2,085,000 $ 122,647 $ 0
Deschutes, Oregon 17 $ 7,855,000 $ 462,058 $ 258,000
Potter, South Dakota 17 $ 2,625,000 $ 154,411 $ 66,000
Montgomery, Tennessee 17 $ 1,355,000 $ 79,705 $ 0
Kitsap, Washington 17 $ 3,665,000 $ 215,588 $ 117,000
Platte, Wyoming 17 $ 3,315,000 $ 195,000 $ 137,000
Yuba, California 16 $ 1,680,000 $ 105,000 $ 70,000
Phillips, Colorado 16 $ 1,570,000 $ 98,125 $ 79,000
Harrison, Iowa 16 $ 1,540,000 $ 96,250 $ 75,000
Teton, Wyoming 16 $ 7,140,000 $ 446,250 $ 173,000
Matanuska-Susitna, Alaska 15 $ 1,875,000 $ 125,000 $ 0
Mendocino, California 15 $ 6,515,000 $ 434,333 $ 364,000
Shasta, California 15 $ 2,395,000 $ 159,666 $ 112,000
Johnson, Iowa 15 $ 1,845,000 $ 123,000 $ 77,000
Story, Iowa 15 $ 1,385,000 $ 92,333 $ 79,000
Richland, North Dakota 15 $ 1,405,000 $ 93,666 $ 76,000
Payne, Oklahoma 15 $ 1,215,000 $ 81,000 $ 93,000
Travis, Texas 15 $ 2,635,000 $ 175,666 $ 0
Kit Carson, Colorado 14 $ 1,670,000 $ 119,285 $ 65,000
Chatham, Georgia 14 $ 1,460,000 $ 104,285 $ 0
Elmore, Idaho 14 $ 1,350,000 $ 96,428 $ 128,000
Houston, Minnesota 14 $ 2,110,000 $ 150,714 $ 82,000
Nobles, Minnesota 14 $ 1,370,000 $ 97,857 $ 58,000
Churchill, Nevada 14 $ 2,360,000 $ 168,571 $ 62,000
Bonneville, Idaho 13 $ 1,435,000 $ 110,384 $ 186,000
Kootenai, Idaho 13 $ 3,495,000 $ 268,846 $ 377,000
Gage, Nebraska 13 $ 1,105,000 $ 85,000 $ 67,000
Beadle, South Dakota 13 $ 715,000 $ 55,000 $ 37,000
Washburn, Wisconsin 13 $ 1,535,000 $ 118,076 $ 66,000
Niobrara, Wyoming 13 $ 1,025,000 $ 78,846 $ 55,000
Sublette, Wyoming 13 $ 2,865,000 $ 220,384 $ 59,000
Uinta, Wyoming 13 $ 1,185,000 $ 91,153 $ 62,000
Cobb, Georgia 12 $ 1,500,000 $ 125,000 $ 0
Bannock, Idaho 12 $ 1,050,000 $ 87,500 $ 0
Madison, Iowa 12 $ 1,260,000 $ 105,000 $ 90,000
Reno, Kansas 12 $ 920,000 $ 76,666 $ 87,000
Wyandotte, Kansas 12 $ 2,050,000 $ 170,833 $ 53,000
Dakota, Minnesota 12 $ 1,700,000 $ 141,666 $ 124,000
Stevens, Minnesota 12 $ 540,000 $ 45,000 $ 82,000
Cass, Nebraska 12 $ 2,450,000 $ 204,166 $ 99,000
Dawes, Nebraska 12 $ 1,240,000 $ 103,333 $ 82,000
Carter, Oklahoma 12 $ 1,760,000 $ 146,666 $ 75,000
Wagoner, Oklahoma 12 $ 1,340,000 $ 111,666 $ 72,000
Lane, Oregon 12 $ 2,390,000 $ 199,166 $ 96,000
Malheur, Oregon 12 $ 1,950,000 $ 162,500 $ 90,000
El Paso, Texas 12 $ 1,250,000 $ 104,166 $ 0
Summit, Utah 12 $ 15,490,000 $ 1,290,833 $ 816,000
Miami-Dade, Florida 11 $ 2,265,000 $ 205,909 $ 0
Edgecombe, North Carolina 11 $ 1,405,000 $ 127,727 $ 0
Kay, Oklahoma 11 $ 1,025,000 $ 93,181 $ 38,000
Yamhill, Oregon 11 $ 2,555,000 $ 232,272 $ 116,000
Denton, Texas 11 $ 2,735,000 $ 248,636 $ 0
Williamson, Texas 11 $ 1,495,000 $ 135,909 $ 0
Tooele, Utah 11 $ 1,455,000 $ 132,272 $ 45,000
Milwaukee, Wisconsin 11 $ 1,725,000 $ 156,818 $ 4,519,000
Mono, California 10 $ 2,670,000 $ 267,000 $ 382,000
Clay, Florida 10 $ 1,020,000 $ 102,000 $ 0
Davis, Iowa 10 $ 1,050,000 $ 105,000 $ 72,000
Shelby, Iowa 10 $ 850,000 $ 85,000 $ 78,000
Fillmore, Minnesota 10 $ 810,000 $ 81,000 $ 52,000
Washington, Nebraska 10 $ 1,760,000 $ 176,000 $ 127,000
Nye, Nevada 10 $ 1,680,000 $ 168,000 $ 0
Fall River, South Dakota 10 $ 970,000 $ 97,000 $ 62,000
Park, Wyoming 10 $ 1,560,000 $ 156,000 $ 72,000
Fremont, Colorado 9 $ 2,245,000 $ 249,444 $ 125,000
Teller, Colorado 9 $ 2,105,000 $ 233,888 $ 98,000
Manatee, Florida 9 $ 1,305,000 $ 145,000 $ 0
Gem, Idaho 9 $ 1,155,000 $ 128,333 $ 129,000
Jerome, Idaho 9 $ 835,000 $ 92,777 $ 0
Lincoln, Minnesota 9 $ 465,000 $ 51,666 $ 70,000
Logan, Oklahoma 9 $ 755,000 $ 83,888 $ 67,000
Sarasota, Florida 8 $ 1,130,000 $ 141,250 $ 0
St. Johns, Florida 8 $ 1,090,000 $ 136,250 $ 0
Pawnee, Kansas 8 $ 480,000 $ 60,000 $ 39,000
Saunders, Nebraska 8 $ 1,120,000 $ 140,000 $ 120,000
Stark, North Dakota 8 $ 970,000 $ 121,250 $ 88,000
Tillamook, Oregon 8 $ 1,320,000 $ 165,000 $ 108,000
Union, South Dakota 8 $ 1,290,000 $ 161,250 $ 120,000
Mariposa, California 7 $ 1,095,000 $ 156,428 $ 76,000
Ouray, Colorado 7 $ 2,875,000 $ 410,714 $ 213,000
Polk, Florida 7 $ 975,000 $ 139,285 $ 0
DeKalb, Georgia 7 $ 905,000 $ 129,285 $ 0
Teton, Idaho 7 $ 1,745,000 $ 249,285 $ 114,000
Cottonwood, Minnesota 7 $ 715,000 $ 102,142 $ 87,000
Murray, Minnesota 7 $ 995,000 $ 142,142 $ 93,000
Traverse, Minnesota 7 $ 495,000 $ 70,714 $ 53,000
Washington, Minnesota 7 $ 2,115,000 $ 302,142 $ 119,000
Cherry, Nebraska 7 $ 295,000 $ 42,142 $ 84,000
Jefferson, Nebraska 7 $ 315,000 $ 45,000 $ 78,000
Madison, Nebraska 7 $ 585,000 $ 83,571 $ 58,000
Scotts Bluff, Nebraska 7 $ 935,000 $ 133,571 $ 77,000
Humboldt, Nevada 7 $ 525,000 $ 75,000 $ 0
Creek, Oklahoma 7 $ 795,000 $ 113,571 $ 126,000
Woods, Oklahoma 7 $ 485,000 $ 69,285 $ 48,000
Clatsop, Oregon 7 $ 6,185,000 $ 883,571 $ 150,000
Polk, Oregon 7 $ 935,000 $ 133,571 $ 54,000
Charles Mix, South Dakota 7 $ 1,035,000 $ 147,857 $ 80,000
Whatcom, Washington 7 $ 1,665,000 $ 237,857 $ 158,000
Campbell, Wyoming 7 $ 795,000 $ 113,571 $ 86,000
Sierra, California 6 $ 830,000 $ 138,333 $ 110,000
Garfield, Colorado 6 $ 2,270,000 $ 378,333 $ 137,000
Jones, Iowa 6 $ 320,000 $ 53,333 $ 56,000
Wapello, Iowa 6 $ 290,000 $ 48,333 $ 77,000
Jackson, Minnesota 6 $ 1,080,000 $ 180,000 $ 89,000
Meeker, Minnesota 6 $ 820,000 $ 136,666 $ 71,000
Pope, Minnesota 6 $ 810,000 $ 135,000 $ 77,000
Scott, Minnesota 6 $ 1,620,000 $ 270,000 $ 122,000
Wilkin, Minnesota 6 $ 600,000 $ 100,000 $ 66,000
St. Louis, Missouri 6 $ 1,120,000 $ 186,666 $ 140,000
Douglas, Oregon 6 $ 3,740,000 $ 623,333 $ 497,000
Josephine, Oregon 6 $ 2,530,000 $ 421,666 $ 435,000
Sumner, Tennessee 6 $ 860,000 $ 143,333 $ 0
Montgomery, Texas 6 $ 930,000 $ 155,000 $ 0
Washington, Utah 6 $ 2,030,000 $ 338,333 $ 150,000
Island, Washington 6 $ 1,220,000 $ 203,333 $ 104,000
Klickitat, Washington 6 $ 1,740,000 $ 290,000 $ 66,000
Mason, Washington 6 $ 1,080,000 $ 180,000 $ 97,000
Stevens, Washington 6 $ 1,230,000 $ 205,000 $ 167,000
Racine, Wisconsin 6 $ 2,400,000 $ 400,000 $ 0
Converse, Wyoming 6 $ 900,000 $ 150,000 $ 100,000
La Plata, Colorado 5 $ 1,215,000 $ 243,000 $ 314,000
New Haven, Connecticut 5 $ 695,000 $ 139,000 $ 0
Broward, Florida 5 $ 1,045,000 $ 209,000 $ 0
Palm Beach, Florida 5 $ 1,115,000 $ 223,000 $ 0
Marion, Iowa 5 $ 545,000 $ 109,000 $ 69,000
Mills, Iowa 5 $ 325,000 $ 65,000 $ 99,000
Ringgold, Iowa 5 $ 495,000 $ 99,000 $ 84,000
Sumner, Kansas 5 $ 305,000 $ 61,000 $ 86,000
Crow Wing, Minnesota 5 $ 595,000 $ 119,000 $ 360,000
McLeod, Minnesota 5 $ 1,225,000 $ 245,000 $ 66,000
Camden, Missouri 5 $ 1,155,000 $ 231,000 $ 166,000
Morrill, Nebraska 5 $ 445,000 $ 89,000 $ 77,000
Mayes, Oklahoma 5 $ 625,000 $ 125,000 $ 89,000
Muskogee, Oklahoma 5 $ 1,285,000 $ 257,000 $ 149,000
Jefferson, Oregon 5 $ 625,000 $ 125,000 $ 199,000
Douglas, South Dakota 5 $ 315,000 $ 63,000 $ 61,000
Box Elder, Utah 5 $ 655,000 $ 131,000 $ 0
Cowlitz, Washington 5 $ 725,000 $ 145,000 $ 73,000
Waukesha, Wisconsin 5 $ 1,165,000 $ 233,000 $ 113,000
Washakie, Wyoming 5 $ 375,000 $ 75,000 $ 44,000
Amador, California 4 $ 1,020,000 $ 255,000 $ 129,000
Colusa, California 4 $ 1,120,000 $ 280,000 $ 163,000
Plumas, California 4 $ 1,020,000 $ 255,000 $ 113,000
Archuleta, Colorado 4 $ 1,420,000 $ 355,000 $ 222,000
Gilpin, Colorado 4 $ 1,080,000 $ 270,000 $ 85,000
Huerfano, Colorado 4 $ 880,000 $ 220,000 $ 128,000
Pinellas, Florida 4 $ 560,000 $ 140,000 $ 0
St. Lucie, Florida 4 $ 470,000 $ 117,500 $ 0
Bingham, Idaho 4 $ 370,000 $ 92,500 $ 0
Allamakee, Iowa 4 $ 270,000 $ 67,500 $ 80,000
Appanoose, Iowa 4 $ 440,000 $ 110,000 $ 80,000
Woodbury, Iowa 4 $ 2,650,000 $ 662,500 $ 136,000
Douglas, Kansas 4 $ 640,000 $ 160,000 $ 101,000
Norman, Minnesota 4 $ 310,000 $ 77,500 $ 94,000
Johnson, Missouri 4 $ 570,000 $ 142,500 $ 100,000
Ray, Missouri 4 $ 1,200,000 $ 300,000 $ 99,000
Cheyenne, Nebraska 4 $ 350,000 $ 87,500 $ 47,000
Knox, Nebraska 4 $ 250,000 $ 62,500 $ 50,000
Storey, Nevada 4 $ 810,000 $ 202,500 $ 0
Socorro, New Mexico 4 $ 960,000 $ 240,000 $ 90,000
Torrance, New Mexico 4 $ 230,000 $ 57,500 $ 42,000
Golden Valley, North Dakota 4 $ 170,000 $ 42,500 $ 71,000
Delaware, Oklahoma 4 $ 1,130,000 $ 282,500 $ 82,000
Lincoln, Oklahoma 4 $ 320,000 $ 80,000 $ 83,000
Okmulgee, Oklahoma 4 $ 320,000 $ 80,000 $ 57,000
Curry, Oregon 4 $ 950,000 $ 237,500 $ 77,000
Hood River, Oregon 4 $ 1,330,000 $ 332,500 $ 127,000
Jackson, Oregon 4 $ 720,000 $ 180,000 $ 106,000
Allegheny, Pennsylvania 4 $ 640,000 $ 160,000 $ 0
Minnehaha, South Dakota 4 $ 340,000 $ 85,000 $ 75,000
Davidson, Tennessee 4 $ 520,000 $ 130,000 $ 0
Wasatch, Utah 4 $ 1,260,000 $ 315,000 $ 189,000
Grant, Washington 4 $ 810,000 $ 202,500 $ 144,000
La Paz, Arizona 3 $ 535,000 $ 178,333 $ 69,000
Santa Cruz, Arizona 3 $ 1,985,000 $ 661,666 $ 191,000
Lassen, California 3 $ 355,000 $ 118,333 $ 246,000
Tehama, California 3 $ 375,000 $ 125,000 $ 58,000
Lake, Colorado 3 $ 745,000 $ 248,333 $ 310,000
Pitkin, Colorado 3 $ 1,445,000 $ 481,666 $ 133,000
Rio Grande, Colorado 3 $ 715,000 $ 238,333 $ 111,000
Saguache, Colorado 3 $ 215,000 $ 71,666 $ 27,000
Washington, Colorado 3 $ 115,000 $ 38,333 $ 38,000
Lee, Florida 3 $ 605,000 $ 201,666 $ 0
Gwinnett, Georgia 3 $ 395,000 $ 131,666 $ 0
Boundary, Idaho 3 $ 555,000 $ 185,000 $ 80,000
Payette, Idaho 3 $ 285,000 $ 95,000 $ 90,000
Valley, Idaho 3 $ 585,000 $ 195,000 $ 105,000
Washington, Idaho 3 $ 735,000 $ 245,000 $ 81,000
Benton, Iowa 3 $ 255,000 $ 85,000 $ 32,000
Buchanan, Iowa 3 $ 1,075,000 $ 358,333 $ 104,000
Crawford, Iowa 3 $ 395,000 $ 131,666 $ 76,000
Greene, Iowa 3 $ 125,000 $ 41,666 $ 50,000
Jasper, Iowa 3 $ 95,000 $ 31,666 $ 45,000
Marshall, Iowa 3 $ 225,000 $ 75,000 $ 54,000
Osceola, Iowa 3 $ 345,000 $ 115,000 $ 60,000
Poweshiek, Iowa 3 $ 305,000 $ 101,666 $ 146,000
Washington, Iowa 3 $ 185,000 $ 61,666 $ 39,000
Anderson, Kansas 3 $ 155,000 $ 51,666 $ 33,000
Gray, Kansas 3 $ 395,000 $ 131,666 $ 96,000
Marion, Kansas 3 $ 555,000 $ 185,000 $ 113,000
Miami, Kansas 3 $ 515,000 $ 171,666 $ 132,000
Becker, Minnesota 3 $ 325,000 $ 108,333 $ 70,000
Cass, Minnesota 3 $ 1,475,000 $ 491,666 $ 131,000
Chisago, Minnesota 3 $ 745,000 $ 248,333 $ 79,000
Hubbard, Minnesota 3 $ 435,000 $ 145,000 $ 202,000
Kandiyohi, Minnesota 3 $ 335,000 $ 111,666 $ 72,000
Lac qui Parle, Minnesota 3 $ 165,000 $ 55,000 $ 40,000
Olmsted, Minnesota 3 $ 345,000 $ 115,000 $ 53,000
Sherburne, Minnesota 3 $ 715,000 $ 238,333 $ 53,000
Greene, Missouri 3 $ 325,000 $ 108,333 $ 43,000
Texas, Missouri 3 $ 475,000 $ 158,333 $ 40,000
Butler, Nebraska 3 $ 435,000 $ 145,000 $ 163,000
Wayne, Nebraska 3 $ 305,000 $ 101,666 $ 140,000
Eddy, New Mexico 3 $ 865,000 $ 288,333 $ 120,000
Hughes, Oklahoma 3 $ 465,000 $ 155,000 $ 42,000
McClain, Oklahoma 3 $ 275,000 $ 91,666 $ 0
Pottawatomie, Oklahoma 3 $ 285,000 $ 95,000 $ 65,000
Washington, Oklahoma 3 $ 535,000 $ 178,333 $ 39,000
Benton, Oregon 3 $ 795,000 $ 265,000 $ 216,000
Linn, Oregon 3 $ 1,505,000 $ 501,666 $ 120,000
Clark, South Dakota 3 $ 185,000 $ 61,666 $ 40,000
Lawrence, South Dakota 3 $ 335,000 $ 111,666 $ 51,000
Lincoln, South Dakota 3 $ 1,515,000 $ 505,000 $ 88,000
Rutherford, Tennessee 3 $ 435,000 $ 145,000 $ 0
Williamson, Tennessee 3 $ 485,000 $ 161,666 $ 0
Collin, Texas 3 $ 685,000 $ 228,333 $ 0
Hidalgo, Texas 3 $ 1,215,000 $ 405,000 $ 0
Cache, Utah 3 $ 445,000 $ 148,333 $ 95,000
Grand, Utah 3 $ 655,000 $ 218,333 $ 148,000
Iron, Utah 3 $ 685,000 $ 228,333 $ 149,000
Clallam, Washington 3 $ 765,000 $ 255,000 $ 70,000
Jefferson, Washington 3 $ 815,000 $ 271,666 $ 142,000
Skagit, Washington 3 $ 365,000 $ 121,666 $ 68,000
Walla Walla, Washington 3 $ 445,000 $ 148,333 $ 131,000
Door, Wisconsin 3 $ 295,000 $ 98,333 $ 67,000
Sawyer, Wisconsin 3 $ 215,000 $ 71,666 $ 49,000
Goshen, Wyoming 3 $ 165,000 $ 55,000 $ 38,000
Johnson, Wyoming 3 $ 755,000 $ 251,666 $ 78,000
Del Norte, California 2 $ 230,000 $ 115,000 $ 150,000
Glenn, California 2 $ 350,000 $ 175,000 $ 45,000
Humboldt, California 2 $ 310,000 $ 155,000 $ 47,000
Siskiyou, California 2 $ 70,000 $ 35,000 $ 68,000
Rio Blanco, Colorado 2 $ 410,000 $ 205,000 $ 96,000
San Miguel, Colorado 2 $ 210,000 $ 105,000 $ 43,000
Martin, Florida 2 $ 260,000 $ 130,000 $ 0
Pasco, Florida 2 $ 350,000 $ 175,000 $ 0
Boise, Idaho 2 $ 170,000 $ 85,000 $ 77,000
Jefferson, Idaho 2 $ 300,000 $ 150,000 $ 20,000
Madison, Idaho 2 $ 230,000 $ 115,000 $ 0
Owyhee, Idaho 2 $ 260,000 $ 130,000 $ 97,000
Marion, Indiana 2 $ 1,340,000 $ 670,000 $ 0
Adair, Iowa 2 $ 220,000 $ 110,000 $ 61,000
Fayette, Iowa 2 $ 110,000 $ 55,000 $ 78,000
Howard, Iowa 2 $ 170,000 $ 85,000 $ 49,000
Keokuk, Iowa 2 $ 110,000 $ 55,000 $ 17,000
Sac, Iowa 2 $ 180,000 $ 90,000 $ 83,000
Scott, Iowa 2 $ 130,000 $ 65,000 $ 322,000
Webster, Iowa 2 $ 120,000 $ 60,000 $ 35,000
Dickinson, Kansas 2 $ 320,000 $ 160,000 $ 84,000
Edwards, Kansas 2 $ 80,000 $ 40,000 $ 44,000
Hodgeman, Kansas 2 $ 150,000 $ 75,000 $ 95,000
Kearny, Kansas 2 $ 170,000 $ 85,000 $ 104,000
Leavenworth, Kansas 2 $ 790,000 $ 395,000 $ 40,000
McPherson, Kansas 2 $ 40,000 $ 20,000 $ 139,000
Russell, Kansas 2 $ 170,000 $ 85,000 $ 89,000
Shawnee, Kansas 2 $ 1,060,000 $ 530,000 $ 51,000
Smith, Kansas 2 $ 210,000 $ 105,000 $ 158,000
Stafford, Kansas 2 $ 70,000 $ 35,000 $ 46,000
Douglas, Minnesota 2 $ 150,000 $ 75,000 $ 157,000
Isanti, Minnesota 2 $ 190,000 $ 95,000 $ 121,000
Renville, Minnesota 2 $ 300,000 $ 150,000 $ 115,000
Todd, Minnesota 2 $ 190,000 $ 95,000 $ 93,000
Yellow Medicine, Minnesota 2 $ 110,000 $ 55,000 $ 39,000
Harrison, Missouri 2 $ 260,000 $ 130,000 $ 46,000
Putnam, Missouri 2 $ 150,000 $ 75,000 $ 86,000
St. Louis City, Missouri 2 $ 320,000 $ 160,000 $ 102,000
Colfax, Nebraska 2 $ 130,000 $ 65,000 $ 100,000
Cuming, Nebraska 2 $ 30,000 $ 15,000 $ 32,000
Deuel, Nebraska 2 $ 160,000 $ 80,000 $ 112,000
Furnas, Nebraska 2 $ 160,000 $ 80,000 $ 39,000
Howard, Nebraska 2 $ 260,000 $ 130,000 $ 57,000
Keith, Nebraska 2 $ 100,000 $ 50,000 $ 30,000
Merrick, Nebraska 2 $ 310,000 $ 155,000 $ 36,000
Otoe, Nebraska 2 $ 60,000 $ 30,000 $ 91,000
Phelps, Nebraska 2 $ 270,000 $ 135,000 $ 72,000
Sherman, Nebraska 2 $ 130,000 $ 65,000 $ 66,000
Catron, New Mexico 2 $ 230,000 $ 115,000 $ 46,000
Cibola, New Mexico 2 $ 90,000 $ 45,000 $ 25,000
Lea, New Mexico 2 $ 140,000 $ 70,000 $ 230,000
Lincoln, New Mexico 2 $ 140,000 $ 70,000 $ 49,000
Luna, New Mexico 2 $ 270,000 $ 135,000 $ 40,000
San Juan, New Mexico 2 $ 390,000 $ 195,000 $ 58,000
Sierra, New Mexico 2 $ 160,000 $ 80,000 $ 58,000
Nash, North Carolina 2 $ 290,000 $ 145,000 $ 0
Grand Forks, North Dakota 2 $ 650,000 $ 325,000 $ 900,000
Grant, North Dakota 2 $ 510,000 $ 255,000 $ 78,000
Ward, North Dakota 2 $ 800,000 $ 400,000 $ 0
Grant, Oklahoma 2 $ 190,000 $ 95,000 $ 33,000
Johnston, Oklahoma 2 $ 130,000 $ 65,000 $ 33,000
Kingfisher, Oklahoma 2 $ 120,000 $ 60,000 $ 54,000
Love, Oklahoma 2 $ 130,000 $ 65,000 $ 57,000
Osage, Oklahoma 2 $ 120,000 $ 60,000 $ 50,000
Rogers, Oklahoma 2 $ 300,000 $ 150,000 $ 53,000
Sequoyah, Oklahoma 2 $ 190,000 $ 95,000 $ 25,000
Baker, Oregon 2 $ 30,000 $ 15,000 $ 15,000
Coos, Oregon 2 $ 560,000 $ 280,000 $ 180,000
Klamath, Oregon 2 $ 320,000 $ 160,000 $ 66,000
Sherman, Oregon 2 $ 300,000 $ 150,000 $ 66,000
Pennington, South Dakota 2 $ 110,000 $ 55,000 $ 32,000
Spink, South Dakota 2 $ 170,000 $ 85,000 $ 87,000
Wilson, Tennessee 2 $ 410,000 $ 205,000 $ 0
Cameron, Texas 2 $ 2,040,000 $ 1,020,000 $ 0
Kane, Utah 2 $ 510,000 $ 255,000 $ 149,000
Morgan, Utah 2 $ 1,590,000 $ 795,000 $ 1,025,000
Douglas, Washington 2 $ 290,000 $ 145,000 $ 25,000
Weston, Wyoming 2 $ 240,000 $ 120,000 $ 93,000
Calhoun, Alabama 1 $ 2,005,000 $ 2,005,000 $ 0
Yuma, Arizona 1 $ 185,000 $ 185,000 $ 31,000
Alpine, California 1 $ 295,000 $ 295,000 $ 126,000
Imperial, California 1 $ 175,000 $ 175,000 $ 172,000
Trinity, California 1 $ 185,000 $ 185,000 $ 93,000
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Mortgage Loan Application Detail Totals for Bank of the West in 2018

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 8,812 $3,265,980,000 $370,000 $5,855,000 $197,000 $9,000,000
Other Purpose 6,888 $1,308,010,000 $189,000 $6,405,000 $167,000 $9,380,000
Refinancing 6,798 $2,158,510,000 $317,000 $6,505,000 $167,000 $8,890,000
Home Improvement 6,262 $918,620,000 $146,000 $2,505,000 $142,000 $5,064,000
Cash-out Refinancing 4,282 $1,758,860,000 $410,000 $5,005,000 $129,000 $6,002,000
Not Applicable 0 $0 $0 $0 $0 $0

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 16,953 $4,727,245,000 $278,000 $6,505,000 $160,000 $9,380,000
Not Provided 3,961 $1,204,545,000 $304,000 $5,905,000 $181,000 $9,000,000
Asian 3,871 $1,526,795,000 $394,000 $5,505,000 $193,000 $5,280,000
Not applicable 3,551 $872,455,000 $245,000 $5,855,000 $0 $0
Hispanic 3,358 $684,240,000 $203,000 $2,985,000 $115,000 $5,770,000
Black or African American 574 $148,000,000 $257,000 $1,655,000 $126,000 $4,200,000
American Indian or Alaskan Native 226 $45,090,000 $199,000 $1,405,000 $123,000 $1,611,000
Native Hawaiian or Other Pacific Islander 98 $19,770,000 $201,000 $935,000 $132,000 $488,000

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) 32,283 $9,262,375,000 $286,000 $6,505,000 $164,000 $9,380,000
FHA-insured (Federal Housing Administration) 527 $100,145,000 $190,000 $695,000 $68,000 $463,000
VA-guaranteed (Veterans Administration) 216 $45,470,000 $210,000 $915,000 $70,000 $282,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 16 $1,990,000 $124,000 $255,000 $49,000 $98,000

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 18,605 $5,080,755,000 $273,000 $5,855,000 $180,000 $9,380,000
Application Denied By Financial Institution 9,740 $2,687,950,000 $275,000 $6,505,000 $139,000 $9,000,000
Application Withdrawn By Applicant 3,571 $1,376,815,000 $385,000 $6,405,000 $167,000 $6,711,000
Loan Purchased By The Institution 868 $187,400,000 $215,000 $935,000 $70,000 $886,000
Application Approved But Not Accepted 258 $77,060,000 $298,000 $2,495,000 $163,000 $919,000
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
Not applicable 23,302 $6,722,030,000 $288,000 $6,405,000 $173,000 $9,380,000
Debt-To-Income Ratio 4,578 $1,341,440,000 $293,000 $6,505,000 $91,000 $1,878,000
Credit History 1,245 $194,425,000 $156,000 $2,985,000 $126,000 $3,820,000
Credit Application Incomplete 1,198 $422,800,000 $352,000 $4,205,000 $177,000 $6,000,000
Unverifiable Information 1,028 $265,980,000 $258,000 $2,755,000 $236,000 $5,938,000
Collateral 981 $276,095,000 $281,000 $4,005,000 $192,000 $2,356,000
Other 601 $136,865,000 $227,000 $3,105,000 $192,000 $9,000,000
Employment History 54 $11,110,000 $205,000 $1,005,000 $135,000 $493,000
Insufficient Cash (Downpayment, Closing Cost) 53 $38,435,000 $725,000 $2,755,000 $178,000 $789,000
Mortgage Insurance Denied 2 $800,000 $400,000 $645,000 $126,000 $146,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2018 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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