Bank of the West Mortgage Lending & HMDA Data, 2019

In 2019, Bank of the West of San Francisco, CA reported 30,512 mortgage applications totaling $9.5 billion, down 8% from 2018. The average application was for $310,008, and applicants reported an average income of $161,946. 51% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,831), Oakland-Hayward-Berkeley, CA (2,651) and Denver-Aurora-Lakewood, CO (2,100) (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 30,512
Total Mortgage Loan Application Amount $9,458,970,000
Average Mortgage Loan Application Amount $310,008
Highest Mortgage Loan Application Amount $12,505,000
Average Applicant Income $161,946
Highest Applicant Income $9,000,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2019

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 4,831 $ 1,955,165,000 $ 404,712 $ 205,000
Santa Clara, California 1,664 $ 898,340,000 $ 539,867 $ 209,000
Alameda, California 1,494 $ 635,470,000 $ 425,348 $ 184,000
Orange, California 1,376 $ 645,440,000 $ 469,069 $ 229,000
Contra Costa, California 1,157 $ 394,605,000 $ 341,058 $ 179,000
San Joaquin, California 728 $ 143,410,000 $ 196,991 $ 108,000
Stanislaus, California 623 $ 112,975,000 $ 181,340 $ 107,000
Jefferson, Colorado 546 $ 136,580,000 $ 250,146 $ 133,000
San Mateo, California 532 $ 352,030,000 $ 661,710 $ 243,000
Sonoma, California 506 $ 175,280,000 $ 346,403 $ 174,000
Sacramento, California 505 $ 127,915,000 $ 253,297 $ 150,000
San Bernardino, California 491 $ 115,025,000 $ 234,266 $ 154,000
Denver, Colorado 466 $ 136,330,000 $ 292,553 $ 163,000
San Francisco, California 459 $ 277,585,000 $ 604,760 $ 253,000
Clark, Nevada 457 $ 106,355,000 $ 232,724 $ 122,000
Douglas, Nebraska 453 $ 46,955,000 $ 103,653 $ 102,000
Bernalillo, New Mexico 453 $ 65,275,000 $ 144,094 $ 110,000
San Diego, California 438 $ 176,680,000 $ 403,378 $ 225,000
Arapahoe, Colorado 372 $ 94,230,000 $ 253,306 $ 133,000
Adams, Colorado 371 $ 79,955,000 $ 215,512 $ 112,000
Riverside, California 346 $ 106,040,000 $ 306,473 $ 218,000
Maricopa, Arizona 343 $ 83,125,000 $ 242,346 $ 144,000
Fresno, California 301 $ 51,085,000 $ 169,717 $ 128,000
Polk, Iowa 284 $ 31,460,000 $ 110,774 $ 105,000
Santa Cruz, California 277 $ 97,695,000 $ 352,689 $ 164,000
Pima, Arizona 256 $ 46,300,000 $ 180,859 $ 107,000
Solano, California 249 $ 61,195,000 $ 245,763 $ 106,000
Ventura, California 238 $ 67,790,000 $ 284,831 $ 174,000
Multnomah, Oregon 229 $ 64,845,000 $ 283,165 $ 128,000
Placer, California 221 $ 69,785,000 $ 315,769 $ 176,000
Washington, Oregon 215 $ 63,625,000 $ 295,930 $ 130,000
Douglas, Colorado 199 $ 56,975,000 $ 286,306 $ 181,000
Jackson, Missouri 196 $ 25,650,000 $ 130,867 $ 91,000
Tulare, California 193 $ 26,195,000 $ 135,725 $ 104,000
Boulder, Colorado 188 $ 68,040,000 $ 361,914 $ 153,000
Ada, Idaho 177 $ 29,195,000 $ 164,943 $ 136,000
Washoe, Nevada 167 $ 51,105,000 $ 306,017 $ 181,000
Kern, California 166 $ 29,170,000 $ 175,722 $ 113,000
Clackamas, Oregon 159 $ 50,125,000 $ 315,251 $ 161,000
Sarpy, Nebraska 158 $ 18,890,000 $ 119,556 $ 104,000
Santa Barbara, California 151 $ 75,285,000 $ 498,576 $ 268,000
Sedgwick, Kansas 151 $ 19,445,000 $ 128,774 $ 90,000
El Dorado, California 148 $ 49,680,000 $ 335,675 $ 170,000
Mesa, Colorado 143 $ 34,025,000 $ 237,937 $ 90,000
Napa, California 142 $ 51,640,000 $ 363,661 $ 174,000
King, Washington 135 $ 66,865,000 $ 495,296 $ 163,000
Marin, California 134 $ 80,550,000 $ 601,119 $ 282,000
Lancaster, Nebraska 133 $ 23,715,000 $ 178,308 $ 78,000
Salt Lake, Utah 130 $ 39,620,000 $ 304,769 $ 141,000
Monterey, California 129 $ 58,135,000 $ 450,658 $ 267,000
Larimer, Colorado 127 $ 33,785,000 $ 266,023 $ 162,000
Weld, Colorado 125 $ 23,035,000 $ 184,280 $ 95,000
Nevada, California 124 $ 36,580,000 $ 295,000 $ 167,000
Pinal, Arizona 121 $ 18,775,000 $ 155,165 $ 90,000
Johnson, Kansas 121 $ 24,535,000 $ 202,768 $ 123,000
Oklahoma, Oklahoma 111 $ 23,745,000 $ 213,918 $ 115,000
Linn, Iowa 108 $ 8,330,000 $ 77,129 $ 71,000
Summit, Colorado 105 $ 34,915,000 $ 332,523 $ 236,000
Sandoval, New Mexico 105 $ 14,555,000 $ 138,619 $ 96,000
Merced, California 100 $ 17,670,000 $ 176,700 $ 106,000
Dona Ana, New Mexico 96 $ 10,000,000 $ 104,166 $ 80,000
Lincoln, Oregon 95 $ 15,135,000 $ 159,315 $ 84,000
Kings, California 90 $ 12,370,000 $ 137,444 $ 101,000
Gunnison, Colorado 89 $ 23,915,000 $ 268,707 $ 147,000
Butte, California 86 $ 12,430,000 $ 144,534 $ 100,000
Canyon, Idaho 81 $ 12,075,000 $ 149,074 $ 97,000
Lake, California 77 $ 12,335,000 $ 160,194 $ 118,000
Clay, Missouri 73 $ 7,745,000 $ 106,095 $ 105,000
Boone, Iowa 67 $ 7,615,000 $ 113,656 $ 79,000
Yolo, California 64 $ 15,180,000 $ 237,187 $ 121,000
Lyon, Minnesota 64 $ 6,460,000 $ 100,937 $ 82,000
Garfield, Oklahoma 56 $ 5,150,000 $ 91,964 $ 81,000
Laramie, Wyoming 56 $ 9,740,000 $ 173,928 $ 184,000
Pierce, Washington 50 $ 12,110,000 $ 242,200 $ 121,000
Gila, Arizona 49 $ 3,315,000 $ 67,653 $ 58,000
Grand, Colorado 49 $ 16,465,000 $ 336,020 $ 152,000
Dallas, Iowa 49 $ 8,225,000 $ 167,857 $ 153,000
Navajo, Arizona 48 $ 3,950,000 $ 82,291 $ 94,000
Platte, Missouri 48 $ 6,280,000 $ 130,833 $ 117,000
Yavapai, Arizona 46 $ 4,540,000 $ 98,695 $ 50,000
Clark, Washington 44 $ 10,840,000 $ 246,363 $ 156,000
San Luis Obispo, California 43 $ 17,225,000 $ 400,581 $ 205,000
Logan, Colorado 43 $ 4,205,000 $ 97,790 $ 68,000
Warren, Iowa 42 $ 5,320,000 $ 126,666 $ 89,000
Snohomish, Washington 42 $ 14,200,000 $ 338,095 $ 129,000
Harvey, Kansas 41 $ 2,495,000 $ 60,853 $ 60,000
Park, Colorado 40 $ 6,440,000 $ 161,000 $ 94,000
Cass, North Dakota 40 $ 5,280,000 $ 132,000 $ 123,000
Deschutes, Oregon 40 $ 13,980,000 $ 349,500 $ 175,000
Chaffee, Colorado 39 $ 6,905,000 $ 177,051 $ 74,000
Otter Tail, Minnesota 38 $ 5,710,000 $ 150,263 $ 105,000
Natrona, Wyoming 38 $ 5,440,000 $ 143,157 $ 78,000
Montrose, Colorado 37 $ 4,565,000 $ 123,378 $ 76,000
Clay, South Dakota 37 $ 5,205,000 $ 140,675 $ 102,000
Calaveras, California 36 $ 6,610,000 $ 183,611 $ 144,000
Broomfield, Colorado 36 $ 9,950,000 $ 276,388 $ 137,000
Routt, Colorado 36 $ 8,490,000 $ 235,833 $ 121,000
Carson City, Nevada 36 $ 5,670,000 $ 157,500 $ 124,000
Coconino, Arizona 33 $ 5,025,000 $ 152,272 $ 131,000
Carroll, Iowa 33 $ 2,485,000 $ 75,303 $ 64,000
Lincoln, Nebraska 33 $ 1,855,000 $ 56,212 $ 97,000
Mohave, Arizona 32 $ 5,770,000 $ 180,312 $ 213,000
Morgan, Colorado 32 $ 6,040,000 $ 188,750 $ 177,000
Franklin, Kansas 32 $ 2,090,000 $ 65,312 $ 57,000
Anoka, Minnesota 32 $ 5,450,000 $ 170,312 $ 90,000
Elbert, Colorado 31 $ 6,455,000 $ 208,225 $ 108,000
Box Butte, Nebraska 31 $ 2,365,000 $ 76,290 $ 111,000
Valencia, New Mexico 31 $ 3,455,000 $ 111,451 $ 97,000
Benton, Washington 31 $ 4,125,000 $ 133,064 $ 93,000
Fremont, Wyoming 31 $ 3,885,000 $ 125,322 $ 72,000
San Benito, California 30 $ 6,170,000 $ 205,666 $ 128,000
Winneshiek, Iowa 30 $ 2,990,000 $ 99,666 $ 81,000
Cook, Illinois 29 $ 13,635,000 $ 470,172 $ 0
Douglas, Nevada 29 $ 15,625,000 $ 538,793 $ 223,000
Clear Creek, Colorado 28 $ 18,300,000 $ 653,571 $ 196,000
Hennepin, Minnesota 28 $ 6,600,000 $ 235,714 $ 125,000
Lyon, Nevada 28 $ 6,960,000 $ 248,571 $ 92,000
Montgomery, Tennessee 28 $ 3,230,000 $ 115,357 $ 0
El Paso, Colorado 27 $ 6,255,000 $ 231,666 $ 128,000
Johnson, Iowa 26 $ 3,800,000 $ 146,153 $ 94,000
Umatilla, Oregon 26 $ 2,380,000 $ 91,538 $ 62,000
Yamhill, Oregon 26 $ 8,420,000 $ 323,846 $ 241,000
Decatur, Iowa 25 $ 1,735,000 $ 69,400 $ 56,000
Finney, Kansas 25 $ 2,205,000 $ 88,200 $ 61,000
Cass, Missouri 25 $ 5,805,000 $ 232,200 $ 116,000
Seminole, Oklahoma 25 $ 1,445,000 $ 57,800 $ 48,000
Tulsa, Oklahoma 25 $ 8,875,000 $ 355,000 $ 55,000
Dallas, Texas 25 $ 4,055,000 $ 162,200 $ 0
Milwaukee, Wisconsin 25 $ 9,485,000 $ 379,400 $ 132,000
Carbon, Wyoming 25 $ 1,605,000 $ 64,200 $ 58,000
Kittitas, Washington 24 $ 4,790,000 $ 199,583 $ 152,000
Teton, Wyoming 24 $ 9,240,000 $ 385,000 $ 174,000
Delta, Colorado 23 $ 1,445,000 $ 62,826 $ 54,000
Dodge, Nebraska 23 $ 2,035,000 $ 88,478 $ 85,000
Utah, Utah 23 $ 6,985,000 $ 303,695 $ 190,000
Lincoln, Wyoming 23 $ 1,795,000 $ 78,043 $ 111,000
Las Animas, Colorado 22 $ 1,950,000 $ 88,636 $ 80,000
Story, Iowa 22 $ 5,910,000 $ 268,636 $ 89,000
Swift, Minnesota 22 $ 1,860,000 $ 84,545 $ 58,000
Gage, Nebraska 22 $ 1,060,000 $ 48,181 $ 65,000
Platte, Nebraska 22 $ 1,580,000 $ 71,818 $ 74,000
Yakima, Washington 22 $ 5,690,000 $ 258,636 $ 134,000
Harrison, Iowa 21 $ 1,565,000 $ 74,523 $ 71,000
Ford, Kansas 21 $ 1,765,000 $ 84,047 $ 61,000
Buffalo, Nebraska 21 $ 1,915,000 $ 91,190 $ 70,000
El Paso, Texas 21 $ 2,335,000 $ 111,190 $ 0
Blaine, Idaho 20 $ 6,640,000 $ 332,000 $ 249,000
Pottawattamie, Iowa 20 $ 2,410,000 $ 120,500 $ 87,000
Apache, Arizona 19 $ 1,985,000 $ 104,473 $ 72,000
Butler, Kansas 19 $ 1,875,000 $ 98,684 $ 77,000
Wyandotte, Kansas 19 $ 1,995,000 $ 105,000 $ 57,000
Fillmore, Minnesota 19 $ 1,095,000 $ 57,631 $ 57,000
Nobles, Minnesota 19 $ 1,545,000 $ 81,315 $ 74,000
Hall, Nebraska 19 $ 2,835,000 $ 149,210 $ 83,000
Santa Fe, New Mexico 19 $ 4,105,000 $ 216,052 $ 91,000
Moffat, Colorado 18 $ 2,030,000 $ 112,777 $ 65,000
Barton, Kansas 18 $ 1,580,000 $ 87,777 $ 114,000
Morrison, Minnesota 18 $ 2,130,000 $ 118,333 $ 87,000
Marion, Oregon 18 $ 2,980,000 $ 165,555 $ 105,000
Wasco, Oregon 18 $ 2,920,000 $ 162,222 $ 82,000
Davis, Utah 18 $ 3,820,000 $ 212,222 $ 142,000
Weber, Utah 18 $ 3,140,000 $ 174,444 $ 52,000
Sweetwater, Wyoming 18 $ 2,580,000 $ 143,333 $ 86,000
Sutter, California 17 $ 2,415,000 $ 142,058 $ 181,000
Lincoln, Minnesota 17 $ 1,525,000 $ 89,705 $ 82,000
Sheridan, Nebraska 17 $ 1,285,000 $ 75,588 $ 89,000
Pontotoc, Oklahoma 17 $ 2,095,000 $ 123,235 $ 75,000
Park, Wyoming 17 $ 2,245,000 $ 132,058 $ 56,000
Uinta, Wyoming 17 $ 1,335,000 $ 78,529 $ 59,000
Washakie, Wyoming 17 $ 1,075,000 $ 63,235 $ 70,000
Tuolumne, California 16 $ 2,310,000 $ 144,375 $ 79,000
Houston, Minnesota 16 $ 1,990,000 $ 124,375 $ 101,000
Norman, Minnesota 16 $ 1,240,000 $ 77,500 $ 46,000
Stearns, Minnesota 16 $ 1,940,000 $ 121,250 $ 97,000
Stevens, Minnesota 16 $ 1,170,000 $ 73,125 $ 97,000
Dawes, Nebraska 16 $ 1,220,000 $ 76,250 $ 66,000
Saunders, Nebraska 16 $ 1,360,000 $ 85,000 $ 114,000
Cleveland, Oklahoma 16 $ 1,820,000 $ 113,750 $ 93,000
Summit, Utah 16 $ 14,590,000 $ 911,875 $ 400,000
Madera, California 15 $ 2,325,000 $ 155,000 $ 114,000
Washington, Nebraska 15 $ 3,115,000 $ 207,666 $ 167,000
Payne, Oklahoma 15 $ 775,000 $ 51,666 $ 72,000
Albany, Wyoming 15 $ 3,435,000 $ 229,000 $ 190,000
Platte, Wyoming 15 $ 1,065,000 $ 71,000 $ 82,000
Eagle, Colorado 14 $ 8,440,000 $ 602,857 $ 308,000
Cowley, Kansas 14 $ 1,060,000 $ 75,714 $ 60,000
Richland, North Dakota 14 $ 1,110,000 $ 79,285 $ 64,000
Canadian, Oklahoma 13 $ 1,585,000 $ 121,923 $ 128,000
Carter, Oklahoma 13 $ 1,005,000 $ 77,307 $ 57,000
Columbia, Oregon 13 $ 1,985,000 $ 152,692 $ 144,000
Tarrant, Texas 13 $ 2,165,000 $ 166,538 $ 0
Sublette, Wyoming 13 $ 1,805,000 $ 138,846 $ 103,000
Phillips, Colorado 12 $ 1,630,000 $ 135,833 $ 98,000
Clay, Minnesota 12 $ 1,160,000 $ 96,666 $ 78,000
Grant, Minnesota 12 $ 1,280,000 $ 106,666 $ 69,000
Madison, Nebraska 12 $ 870,000 $ 72,500 $ 100,000
Lane, Oregon 12 $ 2,550,000 $ 212,500 $ 124,000
Harris, Texas 12 $ 3,580,000 $ 298,333 $ 0
Franklin, Washington 12 $ 3,610,000 $ 300,833 $ 84,000
Spokane, Washington 12 $ 11,820,000 $ 985,000 $ 216,000
Yuba, California 11 $ 2,025,000 $ 184,090 $ 81,000
Gilpin, Colorado 11 $ 1,625,000 $ 147,727 $ 91,000
Twin Falls, Idaho 11 $ 1,245,000 $ 113,181 $ 65,000
Davis, Iowa 11 $ 1,005,000 $ 91,363 $ 122,000
Shelby, Iowa 11 $ 795,000 $ 72,272 $ 63,000
Pawnee, Kansas 11 $ 525,000 $ 47,727 $ 65,000
Sumner, Kansas 11 $ 565,000 $ 51,363 $ 61,000
Wilkin, Minnesota 11 $ 695,000 $ 63,181 $ 74,000
Cass, Nebraska 11 $ 1,535,000 $ 139,545 $ 101,000
Catron, New Mexico 11 $ 1,165,000 $ 105,909 $ 39,000
Charles Mix, South Dakota 11 $ 1,755,000 $ 159,545 $ 105,000
Douglas, South Dakota 11 $ 1,225,000 $ 111,363 $ 62,000
Converse, Wyoming 11 $ 1,435,000 $ 130,454 $ 59,000
Shasta, California 10 $ 1,190,000 $ 119,000 $ 139,000
Kit Carson, Colorado 10 $ 1,210,000 $ 121,000 $ 66,000
Reno, Kansas 10 $ 590,000 $ 59,000 $ 99,000
Dakota, Minnesota 10 $ 2,450,000 $ 245,000 $ 112,000
Ramsey, Minnesota 10 $ 2,160,000 $ 216,000 $ 79,000
Traverse, Minnesota 10 $ 870,000 $ 87,000 $ 105,000
Kitsap, Washington 10 $ 3,820,000 $ 382,000 $ 376,000
Whatcom, Washington 10 $ 2,510,000 $ 251,000 $ 357,000
Niobrara, Wyoming 10 $ 990,000 $ 99,000 $ 47,000
Mendocino, California 9 $ 4,515,000 $ 501,666 $ 66,000
Gem, Idaho 9 $ 785,000 $ 87,222 $ 67,000
Fall River, South Dakota 9 $ 575,000 $ 63,888 $ 60,000
Union, South Dakota 9 $ 1,505,000 $ 167,222 $ 116,000
Thurston, Washington 9 $ 2,805,000 $ 311,666 $ 116,000
Washburn, Wisconsin 9 $ 965,000 $ 107,222 $ 62,000
Sheridan, Wyoming 9 $ 1,675,000 $ 186,111 $ 84,000
Anchorage, Alaska 8 $ 860,000 $ 107,500 $ 0
La Plata, Colorado 8 $ 1,730,000 $ 216,250 $ 243,000
Pueblo, Colorado 8 $ 640,000 $ 80,000 $ 32,000
Leavenworth, Kansas 8 $ 950,000 $ 118,750 $ 122,000
Becker, Minnesota 8 $ 1,750,000 $ 218,750 $ 107,000
Murray, Minnesota 8 $ 1,340,000 $ 167,500 $ 105,000
Redwood, Minnesota 8 $ 280,000 $ 35,000 $ 50,000
Jackson, Oregon 8 $ 2,190,000 $ 273,750 $ 92,000
Beadle, South Dakota 8 $ 610,000 $ 76,250 $ 56,000
Amador, California 7 $ 945,000 $ 135,000 $ 109,000
Mariposa, California 7 $ 1,205,000 $ 172,142 $ 142,000
Fremont, Colorado 7 $ 1,335,000 $ 190,714 $ 138,000
Lake, Colorado 7 $ 765,000 $ 109,285 $ 142,000
Tillamook, Oregon 7 $ 1,105,000 $ 157,857 $ 75,000
Potter, South Dakota 7 $ 1,055,000 $ 150,714 $ 48,000
Spink, South Dakota 7 $ 1,585,000 $ 226,428 $ 56,000
Bexar, Texas 7 $ 1,085,000 $ 155,000 $ 0
Matanuska-Susitna, Alaska 6 $ 790,000 $ 131,666 $ 0
Plumas, California 6 $ 970,000 $ 161,666 $ 52,000
Huerfano, Colorado 6 $ 470,000 $ 78,333 $ 77,000
Cobb, Georgia 6 $ 1,070,000 $ 178,333 $ 0
Kootenai, Idaho 6 $ 2,050,000 $ 341,666 $ 99,000
Valley, Idaho 6 $ 1,090,000 $ 181,666 $ 129,000
Fayette, Iowa 6 $ 350,000 $ 58,333 $ 59,000
Douglas, Minnesota 6 $ 950,000 $ 158,333 $ 91,000
Washington, Minnesota 6 $ 1,020,000 $ 170,000 $ 103,000
Wright, Minnesota 6 $ 1,690,000 $ 281,666 $ 93,000
Scotts Bluff, Nebraska 6 $ 380,000 $ 63,333 $ 46,000
Otero, New Mexico 6 $ 730,000 $ 121,666 $ 68,000
Kay, Oklahoma 6 $ 520,000 $ 86,666 $ 67,000
Linn, Oregon 6 $ 1,010,000 $ 168,333 $ 81,000
Travis, Texas 6 $ 2,030,000 $ 338,333 $ 0
Tooele, Utah 6 $ 1,110,000 $ 185,000 $ 49,000
Washington, Utah 6 $ 1,440,000 $ 240,000 $ 157,000
Campbell, Wyoming 6 $ 410,000 $ 68,333 $ 102,000
Goshen, Wyoming 6 $ 460,000 $ 76,666 $ 38,000
Bonneville, Idaho 5 $ 495,000 $ 99,000 $ 30,000
Elmore, Idaho 5 $ 455,000 $ 91,000 $ 110,000
Madison, Iowa 5 $ 525,000 $ 105,000 $ 70,000
Marshall, Iowa 5 $ 245,000 $ 49,000 $ 59,000
Wapello, Iowa 5 $ 265,000 $ 53,000 $ 45,000
Douglas, Kansas 5 $ 455,000 $ 91,000 $ 85,000
Gray, Kansas 5 $ 815,000 $ 163,000 $ 124,000
Cottonwood, Minnesota 5 $ 605,000 $ 121,000 $ 71,000
Jackson, Minnesota 5 $ 355,000 $ 71,000 $ 132,000
Sherburne, Minnesota 5 $ 1,775,000 $ 355,000 $ 80,000
Camden, Missouri 5 $ 1,415,000 $ 283,000 $ 95,000
Johnson, Missouri 5 $ 515,000 $ 103,000 $ 113,000
Burt, Nebraska 5 $ 465,000 $ 93,000 $ 104,000
Polk, Nebraska 5 $ 325,000 $ 65,000 $ 37,000
Seward, Nebraska 5 $ 365,000 $ 73,000 $ 49,000
Churchill, Nevada 5 $ 1,815,000 $ 363,000 $ 51,000
Elko, Nevada 5 $ 685,000 $ 137,000 $ 0
Grant, New Mexico 5 $ 545,000 $ 109,000 $ 74,000
Torrance, New Mexico 5 $ 605,000 $ 121,000 $ 82,000
New York, New York 5 $ 2,515,000 $ 503,000 $ 160,000
Stark, North Dakota 5 $ 955,000 $ 191,000 $ 46,000
Delaware, Oklahoma 5 $ 635,000 $ 127,000 $ 214,000
Woods, Oklahoma 5 $ 535,000 $ 107,000 $ 64,000
Beaufort, South Carolina 5 $ 555,000 $ 111,000 $ 0
Lincoln, South Dakota 5 $ 665,000 $ 133,000 $ 101,000
Island, Washington 5 $ 1,565,000 $ 313,000 $ 170,000
Waukesha, Wisconsin 5 $ 2,215,000 $ 443,000 $ 314,000
Del Norte, California 4 $ 360,000 $ 90,000 $ 89,000
Glenn, California 4 $ 690,000 $ 172,500 $ 65,000
Mono, California 4 $ 1,860,000 $ 465,000 $ 168,000
Montezuma, Colorado 4 $ 280,000 $ 70,000 $ 78,000
Saguache, Colorado 4 $ 420,000 $ 105,000 $ 53,000
Chatham, Georgia 4 $ 470,000 $ 117,500 $ 0
Bingham, Idaho 4 $ 370,000 $ 92,500 $ 0
Benton, Iowa 4 $ 360,000 $ 90,000 $ 55,000
Dickinson, Iowa 4 $ 350,000 $ 87,500 $ 85,000
Jones, Iowa 4 $ 180,000 $ 45,000 $ 71,000
Marion, Iowa 4 $ 480,000 $ 120,000 $ 81,000
McPherson, Kansas 4 $ 210,000 $ 52,500 $ 94,000
Osage, Kansas 4 $ 420,000 $ 105,000 $ 57,000
Pope, Minnesota 4 $ 300,000 $ 75,000 $ 63,000
Scott, Minnesota 4 $ 790,000 $ 197,500 $ 145,000
St. Louis, Missouri 4 $ 2,110,000 $ 527,500 $ 105,000
Keith, Nebraska 4 $ 250,000 $ 62,500 $ 81,000
Pierce, Nebraska 4 $ 400,000 $ 100,000 $ 37,000
Colfax, New Mexico 4 $ 470,000 $ 117,500 $ 37,000
Luna, New Mexico 4 $ 290,000 $ 72,500 $ 57,000
Golden Valley, North Dakota 4 $ 540,000 $ 135,000 $ 146,000
Garvin, Oklahoma 4 $ 210,000 $ 52,500 $ 63,000
Logan, Oklahoma 4 $ 600,000 $ 150,000 $ 148,000
Marshall, Oklahoma 4 $ 380,000 $ 95,000 $ 95,000
Okfuskee, Oklahoma 4 $ 120,000 $ 30,000 $ 94,000
Pottawatomie, Oklahoma 4 $ 290,000 $ 72,500 $ 95,000
Malheur, Oregon 4 $ 300,000 $ 75,000 $ 103,000
Perkins, South Dakota 4 $ 190,000 $ 47,500 $ 28,000
Coryell, Texas 4 $ 2,430,000 $ 607,500 $ 0
Montgomery, Texas 4 $ 610,000 $ 152,500 $ 0
Skagit, Washington 4 $ 2,050,000 $ 512,500 $ 91,000
Walla Walla, Washington 4 $ 460,000 $ 115,000 $ 132,000
Douglas, Wisconsin 4 $ 340,000 $ 85,000 $ 45,000
Walworth, Wisconsin 4 $ 2,050,000 $ 512,500 $ 0
Cochise, Arizona 3 $ 155,000 $ 51,666 $ 54,000
Santa Cruz, Arizona 3 $ 465,000 $ 155,000 $ 89,000
Lassen, California 3 $ 365,000 $ 121,666 $ 41,000
Pitkin, Colorado 3 $ 1,425,000 $ 475,000 $ 139,000
Teller, Colorado 3 $ 845,000 $ 281,666 $ 207,000
Hillsborough, Florida 3 $ 385,000 $ 128,333 $ 0
Orange, Florida 3 $ 465,000 $ 155,000 $ 0
Bannock, Idaho 3 $ 335,000 $ 111,666 $ 0
Owyhee, Idaho 3 $ 845,000 $ 281,666 $ 58,000
Allamakee, Iowa 3 $ 325,000 $ 108,333 $ 51,000
Crawford, Iowa 3 $ 145,000 $ 48,333 $ 54,000
Jasper, Iowa 3 $ 215,000 $ 71,666 $ 62,000
Scott, Iowa 3 $ 85,000 $ 28,333 $ 64,000
Kandiyohi, Minnesota 3 $ 805,000 $ 268,333 $ 107,000
Meeker, Minnesota 3 $ 1,105,000 $ 368,333 $ 56,000
Buchanan, Missouri 3 $ 255,000 $ 85,000 $ 60,000
Greene, Missouri 3 $ 535,000 $ 178,333 $ 81,000
Stone, Missouri 3 $ 375,000 $ 125,000 $ 100,000
Butler, Nebraska 3 $ 695,000 $ 231,666 $ 41,000
Colfax, Nebraska 3 $ 135,000 $ 45,000 $ 66,000
Howard, Nebraska 3 $ 265,000 $ 88,333 $ 79,000
Jefferson, Nebraska 3 $ 105,000 $ 35,000 $ 52,000
Morrill, Nebraska 3 $ 165,000 $ 55,000 $ 94,000
Thurston, Nebraska 3 $ 465,000 $ 155,000 $ 92,000
Humboldt, Nevada 3 $ 295,000 $ 98,333 $ 0
Nye, Nevada 3 $ 535,000 $ 178,333 $ 45,000
Eddy, New Mexico 3 $ 615,000 $ 205,000 $ 313,000
Lincoln, New Mexico 3 $ 395,000 $ 131,666 $ 49,000
Los Alamos, New Mexico 3 $ 915,000 $ 305,000 $ 134,000
Burleigh, North Dakota 3 $ 405,000 $ 135,000 $ 88,000
Lucas, Ohio 3 $ 435,000 $ 145,000 $ 0
Coal, Oklahoma 3 $ 105,000 $ 35,000 $ 22,000
Hughes, Oklahoma 3 $ 295,000 $ 98,333 $ 47,000
Johnston, Oklahoma 3 $ 415,000 $ 138,333 $ 32,000
Kingfisher, Oklahoma 3 $ 345,000 $ 115,000 $ 54,000
Love, Oklahoma 3 $ 125,000 $ 41,666 $ 50,000
Osage, Oklahoma 3 $ 145,000 $ 48,333 $ 74,000
Benton, Oregon 3 $ 675,000 $ 225,000 $ 100,000
Clatsop, Oregon 3 $ 1,435,000 $ 478,333 $ 491,000
Polk, Oregon 3 $ 425,000 $ 141,666 $ 140,000
Aurora, South Dakota 3 $ 145,000 $ 48,333 $ 44,000
Brule, South Dakota 3 $ 345,000 $ 115,000 $ 44,000
Gregory, South Dakota 3 $ 1,215,000 $ 405,000 $ 106,000
Shelby, Tennessee 3 $ 945,000 $ 315,000 $ 0
Hidalgo, Texas 3 $ 725,000 $ 241,666 $ 0
Williamson, Texas 3 $ 465,000 $ 155,000 $ 0
Wasatch, Utah 3 $ 7,455,000 $ 2,485,000 $ 1,186,000
Cowlitz, Washington 3 $ 2,415,000 $ 805,000 $ 0
Mason, Washington 3 $ 555,000 $ 185,000 $ 0
Pacific, Washington 3 $ 375,000 $ 125,000 $ 88,000
Washington, Wisconsin 3 $ 625,000 $ 208,333 $ 120,000
Yuma, Arizona 2 $ 50,000 $ 25,000 $ 90,000
Humboldt, California 2 $ 1,770,000 $ 885,000 $ 285,000
Sierra, California 2 $ 120,000 $ 60,000 $ 99,000
Siskiyou, California 2 $ 310,000 $ 155,000 $ 65,000
Tehama, California 2 $ 180,000 $ 90,000 $ 38,000
Archuleta, Colorado 2 $ 560,000 $ 280,000 $ 143,000
Garfield, Colorado 2 $ 1,590,000 $ 795,000 $ 270,000
Hinsdale, Colorado 2 $ 310,000 $ 155,000 $ 136,000
Lincoln, Colorado 2 $ 140,000 $ 70,000 $ 46,000
Rio Grande, Colorado 2 $ 690,000 $ 345,000 $ 185,000
San Miguel, Colorado 2 $ 900,000 $ 450,000 $ 624,000
Sedgwick, Colorado 2 $ 180,000 $ 90,000 $ 67,000
Clay, Florida 2 $ 210,000 $ 105,000 $ 0
Osceola, Florida 2 $ 250,000 $ 125,000 $ 0
St. Johns, Florida 2 $ 390,000 $ 195,000 $ 0
Charlton, Georgia 2 $ 690,000 $ 345,000 $ 0
DeKalb, Georgia 2 $ 340,000 $ 170,000 $ 0
Gwinnett, Georgia 2 $ 240,000 $ 120,000 $ 0
Boise, Idaho 2 $ 260,000 $ 130,000 $ 46,000
Teton, Idaho 2 $ 510,000 $ 255,000 $ 104,000
Johnson, Indiana 2 $ 1,810,000 $ 905,000 $ 0
Appanoose, Iowa 2 $ 400,000 $ 200,000 $ 97,000
Black Hawk, Iowa 2 $ 920,000 $ 460,000 $ 43,000
Chickasaw, Iowa 2 $ 100,000 $ 50,000 $ 34,000
Clayton, Iowa 2 $ 210,000 $ 105,000 $ 71,000
Delaware, Iowa 2 $ 100,000 $ 50,000 $ 71,000
Greene, Iowa 2 $ 140,000 $ 70,000 $ 50,000
Guthrie, Iowa 2 $ 270,000 $ 135,000 $ 38,000
Hardin, Iowa 2 $ 50,000 $ 25,000 $ 42,000
Henry, Iowa 2 $ 150,000 $ 75,000 $ 40,000
Iowa, Iowa 2 $ 100,000 $ 50,000 $ 70,000
Mahaska, Iowa 2 $ 470,000 $ 235,000 $ 186,000
Mills, Iowa 2 $ 350,000 $ 175,000 $ 51,000
Woodbury, Iowa 2 $ 270,000 $ 135,000 $ 58,000
Cheyenne, Kansas 2 $ 100,000 $ 50,000 $ 36,000
Coffey, Kansas 2 $ 40,000 $ 20,000 $ 38,000
Harper, Kansas 2 $ 140,000 $ 70,000 $ 101,000
Stafford, Kansas 2 $ 490,000 $ 245,000 $ 62,000
Stanton, Kansas 2 $ 150,000 $ 75,000 $ 38,000
Carlton, Minnesota 2 $ 990,000 $ 495,000 $ 250,000
Carver, Minnesota 2 $ 500,000 $ 250,000 $ 293,000
Cass, Minnesota 2 $ 280,000 $ 140,000 $ 36,000
Chippewa, Minnesota 2 $ 80,000 $ 40,000 $ 41,000
Crow Wing, Minnesota 2 $ 260,000 $ 130,000 $ 115,000
Lac qui Parle, Minnesota 2 $ 30,000 $ 15,000 $ 6,000
McLeod, Minnesota 2 $ 590,000 $ 295,000 $ 207,000
Olmsted, Minnesota 2 $ 300,000 $ 150,000 $ 53,000
Steele, Minnesota 2 $ 160,000 $ 80,000 $ 0
Todd, Minnesota 2 $ 90,000 $ 45,000 $ 37,000
Wadena, Minnesota 2 $ 2,390,000 $ 1,195,000 $ 0
Cherry, Nebraska 2 $ 180,000 $ 90,000 $ 54,000
Franklin, Nebraska 2 $ 140,000 $ 70,000 $ 64,000
Knox, Nebraska 2 $ 90,000 $ 45,000 $ 50,000
Phelps, Nebraska 2 $ 230,000 $ 115,000 $ 81,000
Saline, Nebraska 2 $ 160,000 $ 80,000 $ 102,000
Wayne, Nebraska 2 $ 530,000 $ 265,000 $ 109,000
Storey, Nevada 2 $ 130,000 $ 65,000 $ 92,000
Quay, New Mexico 2 $ 250,000 $ 125,000 $ 73,000
San Miguel, New Mexico 2 $ 540,000 $ 270,000 $ 40,000
Sierra, New Mexico 2 $ 110,000 $ 55,000 $ 62,000
Bronx, New York 2 $ 550,000 $ 275,000 $ 63,000
Onondaga, New York 2 $ 1,300,000 $ 650,000 $ 0
Putnam, New York 2 $ 320,000 $ 160,000 $ 92,000
Rockland, New York 2 $ 450,000 $ 225,000 $ 66,000
Traill, North Dakota 2 $ 450,000 $ 225,000 $ 99,000
Williams, North Dakota 2 $ 730,000 $ 365,000 $ 100,000
Cuyahoga, Ohio 2 $ 530,000 $ 265,000 $ 0
Lincoln, Oklahoma 2 $ 60,000 $ 30,000 $ 33,000
Major, Oklahoma 2 $ 180,000 $ 90,000 $ 105,000
McClain, Oklahoma 2 $ 170,000 $ 85,000 $ 86,000
Rogers, Oklahoma 2 $ 240,000 $ 120,000 $ 70,000
Wagoner, Oklahoma 2 $ 90,000 $ 45,000 $ 132,000
Woodward, Oklahoma 2 $ 4,120,000 $ 2,060,000 $ 56,000
Coos, Oregon 2 $ 530,000 $ 265,000 $ 114,000
Curry, Oregon 2 $ 710,000 $ 355,000 $ 84,000
Hood River, Oregon 2 $ 350,000 $ 175,000 $ 141,000
Jefferson, Oregon 2 $ 240,000 $ 120,000 $ 57,000
Josephine, Oregon 2 $ 270,000 $ 135,000 $ 40,000
Union, Oregon 2 $ 390,000 $ 195,000 $ 144,000
Sanborn, South Dakota 2 $ 110,000 $ 55,000 $ 32,000
Collin, Texas 2 $ 370,000 $ 185,000 $ 0
Box Elder, Utah 2 $ 300,000 $ 150,000 $ 0
Iron, Utah 2 $ 550,000 $ 275,000 $ 38,000
Kane, Utah 2 $ 110,000 $ 55,000 $ 104,000
Wayne, Utah 2 $ 170,000 $ 85,000 $ 62,000
Chelan, Washington 2 $ 1,420,000 $ 710,000 $ 245,000
Clallam, Washington 2 $ 450,000 $ 225,000 $ 181,000
Grays Harbor, Washington 2 $ 930,000 $ 465,000 $ 0
Lewis, Washington 2 $ 2,710,000 $ 1,355,000 $ 0
San Juan, Washington 2 $ 780,000 $ 390,000 $ 191,000
Skamania, Washington 2 $ 720,000 $ 360,000 $ 459,000
Wahkiakum, Washington 2 $ 430,000 $ 215,000 $ 111,000
Whitman, Washington 2 $ 370,000 $ 185,000 $ 92,000
Monroe, Wisconsin 2 $ 250,000 $ 125,000 $ 52,000
Sawyer, Wisconsin 2 $ 270,000 $ 135,000 $ 81,000
St. Croix, Wisconsin 2 $ 510,000 $ 255,000 $ 74,000
Vilas, Wisconsin 2 $ 200,000 $ 100,000 $ 132,000
Weston, Wyoming 2 $ 70,000 $ 35,000 $ 94,000
La Paz, Arizona 1 $ 165,000 $ 165,000 $ 133,000
Alpine, California 1 $ 25,000 $ 25,000 $ 35,000
Colusa, California 1 $ 135,000 $ 135,000 $ 96,000
Alamosa, Colorado 1 $ 405,000 $ 405,000 $ 160,000
Cheyenne, Colorado 1 $ 65,000 $ 65,000 $ 34,000
Jackson, Colorado 1 $ 75,000 $ 75,000 $ 61,000
Ouray, Colorado 1 $ 525,000 $ 525,000 $ 124,000
Rio Blanco, Colorado 1 $ 45,000 $ 45,000 $ 78,000
San Juan, Colorado 1 $ 15,000 $ 15,000 $ 28,000
Washington, Colorado 1 $ 45,000 $ 45,000 $ 47,000
Brevard, Florida 1 $ 95,000 $ 95,000 $ 0
Miami-Dade, Florida 1 $ 285,000 $ 285,000 $ 0
Pinellas, Florida 1 $ 95,000 $ 95,000 $ 0
Polk, Florida 1 $ 115,000 $ 115,000 $ 0
Douglas, Georgia 1 $ 125,000 $ 125,000 $ 0
Effingham, Georgia 1 $ 165,000 $ 165,000 $ 0
Fulton, Georgia 1 $ 95,000 $ 95,000 $ 0
Peach, Georgia 1 $ 415,000 $ 415,000 $ 0
Maui, Hawaii 1 $ 175,000 $ 175,000 $ 0
Adams, Idaho 1 $ 125,000 $ 125,000 $ 72,000
Boundary, Idaho 1 $ 155,000 $ 155,000 $ 60,000
Fremont, Idaho 1 $ 95,000 $ 95,000 $ 0
Nez Perce, Idaho 1 $ 255,000 $ 255,000 $ 181,000
Payette, Idaho 1 $ 65,000 $ 65,000 $ 95,000
Power, Idaho 1 $ 365,000 $ 365,000 $ 0
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Mortgage Loan Application Detail Totals for Bank of the West in 2019

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 8,076 $2,923,210,000 $361,000 $12,505,000 $172,000 $6,894,000
Home Purchase 6,320 $2,752,460,000 $435,000 $12,215,000 $186,000 $5,680,000
Other Purpose 6,292 $1,077,550,000 $171,000 $2,005,000 $153,000 $7,254,000
Home Improvement 5,184 $697,660,000 $134,000 $2,005,000 $139,000 $4,410,000
Cash-out Refinancing 4,615 $2,004,945,000 $434,000 $5,005,000 $150,000 $9,000,000
Not Applicable 25 $3,145,000 $125,000 $305,000 $49,000 $119,000

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 17,082 $4,965,160,000 $290,000 $6,505,000 $161,000 $9,000,000
Asian 4,217 $1,727,145,000 $409,000 $3,505,000 $190,000 $5,680,000
Hispanic 3,579 $767,825,000 $214,000 $3,205,000 $109,000 $7,254,000
Not Provided 3,142 $1,091,430,000 $347,000 $4,925,000 $186,000 $3,234,000
Not applicable 1,413 $603,245,000 $426,000 $12,505,000 $0 $0
Black or African American 568 $131,700,000 $231,000 $1,995,000 $125,000 $1,231,000
American Indian or Alaskan Native 224 $59,670,000 $266,000 $3,505,000 $130,000 $2,386,000
Native Hawaiian or Other Pacific Islander 73 $16,865,000 $231,000 $2,385,000 $143,000 $823,000

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) 29,676 $9,285,190,000 $312,000 $12,505,000 $163,000 $9,000,000
FHA-insured (Federal Housing Administration) 578 $113,840,000 $196,000 $935,000 $70,000 $995,000
VA-guaranteed (Veterans Administration) 247 $58,545,000 $237,000 $905,000 $76,000 $265,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,395,000 $126,000 $195,000 $50,000 $75,000

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 15,452 $4,869,800,000 $315,000 $12,215,000 $180,000 $7,254,000
Application Denied By Financial Institution 9,229 $2,494,725,000 $270,000 $6,505,000 $136,000 $6,894,000
Application Withdrawn By Applicant 4,106 $1,616,060,000 $393,000 $12,505,000 $174,000 $9,000,000
Loan Purchased By The Institution 1,489 $401,315,000 $269,000 $955,000 $83,000 $916,000
Application Approved But Not Accepted 236 $77,070,000 $326,000 $3,005,000 $189,000 $4,410,000
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 21,283 $6,964,245,000 $327,000 $12,505,000 $172,000 $9,000,000
Debt-To-Income Ratio 3,826 $1,023,580,000 $267,000 $6,455,000 $81,000 $1,537,000
Credit Application Incomplete 2,504 $784,710,000 $313,000 $6,505,000 $173,000 $3,660,000
Collateral 918 $233,300,000 $254,000 $2,485,000 $169,000 $2,000,000
Credit History 797 $130,425,000 $163,000 $2,705,000 $142,000 $6,894,000
Other 599 $132,595,000 $221,000 $3,205,000 $180,000 $2,400,000
Unverifiable Information 481 $143,455,000 $298,000 $4,005,000 $231,000 $1,579,000
Insufficient Cash (Downpayment, Closing Cost) 67 $37,835,000 $564,000 $3,565,000 $249,000 $1,474,000
Employment History 34 $8,280,000 $243,000 $2,055,000 $124,000 $396,000
Mortgage Insurance Denied 3 $545,000 $181,000 $315,000 $54,000 $81,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2019 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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