Bank Of The West
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022

Bank Of The West 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.

Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher, this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.

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 24,757
Total Mortgage Loan Application Amount $9,771,215,000
Average Mortgage Loan Application Amount $357,500
Highest Mortgage Loan Application Amount $15,685,000
Average Applicant Income $191,000
Highest Applicant Income $8,986,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Bank Of The West. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of The West's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.

Our HMDA dataset for 2022 breaks down Bank Of The West's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of The West serves its applicants.

Each category highlights the total number of mortgage applications processed by Bank Of The West, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of The West's mortgage activity for 2022.

Mortgage Loan Application Totals for Bank Of The West by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Los Angeles County California 4,701 $ 2,417,315,000 $ 514,000 $ 283,000
Orange County California 1,361 $ 728,585,000 $ 535,000 $ 313,000
Santa Clara County California 1,317 $ 939,275,000 $ 713,000 $ 294,000
Alameda County California 1,094 $ 579,390,000 $ 529,000 $ 251,000
Contra Costa County California 875 $ 368,155,000 $ 420,000 $ 234,000
San Joaquin County California 638 $ 148,190,000 $ 232,000 $ 159,000
San Bernardino County California 566 $ 163,010,000 $ 288,000 $ 213,000
Riverside County California 494 $ 164,440,000 $ 332,000 $ 253,000
Stanislaus County California 457 $ 105,875,000 $ 231,000 $ 137,000
Clark County Nevada 433 $ 128,135,000 $ 295,000 $ 233,000
Sacramento County California 422 $ 111,790,000 $ 264,000 $ 178,000
San Mateo County California 421 $ 318,855,000 $ 757,000 $ 336,000
San Diego County California 360 $ 184,520,000 $ 512,000 $ 271,000
Maricopa County Arizona 351 $ 107,665,000 $ 306,000 $ 212,000
San Francisco County California 347 $ 251,375,000 $ 724,000 $ 271,000
Sonoma County California 326 $ 124,410,000 $ 381,000 $ 202,000
Bernalillo County New Mexico 311 $ 51,105,000 $ 164,000 $ 92,000
Denver County Colorado 309 $ 131,615,000 $ 425,000 $ 225,000
Fresno County California 300 $ 75,970,000 $ 253,000 $ 127,000
Jefferson County Colorado 282 $ 91,750,000 $ 325,000 $ 164,000
Ventura County California 281 $ 116,365,000 $ 414,000 $ 243,000
Pima County Arizona 273 $ 50,315,000 $ 184,000 $ 128,000
Douglas County Nebraska 245 $ 34,195,000 $ 139,000 $ 137,000
Solano County California 236 $ 61,360,000 $ 260,000 $ 199,000
Arapahoe County Colorado 211 $ 64,225,000 $ 304,000 $ 198,000
Adams County Colorado 209 $ 47,785,000 $ 228,000 $ 119,000
Santa Cruz County California 205 $ 78,745,000 $ 384,000 $ 193,000
Placer County California 191 $ 62,905,000 $ 329,000 $ 231,000
Ada County Idaho 177 $ 47,095,000 $ 266,000 $ 169,000
Santa Barbara County California 175 $ 109,815,000 $ 627,000 $ 378,000
Kern County California 172 $ 31,490,000 $ 183,000 $ 128,000
Polk County Iowa 156 $ 23,260,000 $ 149,000 $ 93,000
Tulare County California 145 $ 25,305,000 $ 174,000 $ 128,000
Multnomah County Oregon 135 $ 41,215,000 $ 305,000 $ 155,000
Douglas County Colorado 130 $ 51,620,000 $ 397,000 $ 189,000
Marin County California 129 $ 90,015,000 $ 697,000 $ 331,000
Jackson County Missouri 124 $ 33,540,000 $ 270,000 $ 107,000
Boulder County Colorado 123 $ 43,005,000 $ 349,000 $ 261,000
Washoe County Nevada 120 $ 40,410,000 $ 336,000 $ 192,000
Pinal County Arizona 119 $ 20,955,000 $ 176,000 $ 84,000
Monterey County California 118 $ 58,650,000 $ 497,000 $ 242,000
El Dorado County California 110 $ 36,990,000 $ 336,000 $ 264,000
Clackamas County Oregon 107 $ 41,835,000 $ 390,000 $ 244,000
Washington County Oregon 102 $ 22,620,000 $ 221,000 $ 133,000
Napa County California 97 $ 43,975,000 $ 453,000 $ 283,000
Sedgwick County Kansas 96 $ 10,270,000 $ 106,000 $ 76,000
Weld County Colorado 92 $ 18,860,000 $ 205,000 $ 127,000
Salt Lake County Utah 90 $ 63,380,000 $ 704,000 $ 293,000
Nevada County California 86 $ 26,650,000 $ 309,000 $ 158,000
Harris County Texas 85 $ 20,945,000 $ 246,000 $ 0
King County Washington 85 $ 43,835,000 $ 515,000 $ 237,000
Merced County California 84 $ 19,780,000 $ 235,000 $ 123,000
Johnson County Kansas 80 $ 18,220,000 $ 227,000 $ 164,000
Dona Ana County New Mexico 80 $ 10,860,000 $ 135,000 $ 86,000
Butte County California 78 $ 15,290,000 $ 196,000 $ 177,000
Kings County California 73 $ 11,955,000 $ 163,000 $ 95,000
Gunnison County Colorado 73 $ 27,315,000 $ 374,000 $ 203,000
Larimer County Colorado 72 $ 14,850,000 $ 206,000 $ 114,000
Oklahoma County Oklahoma 71 $ 42,025,000 $ 591,000 $ 95,000
Sarpy County Nebraska 66 $ 7,080,000 $ 107,000 $ 105,000
Yolo County California 64 $ 17,910,000 $ 279,000 $ 248,000
Bexar County Texas 64 $ 11,150,000 $ 174,000 $ 0
Clay County Missouri 63 $ 7,515,000 $ 119,000 $ 107,000
Laramie County Wyoming 63 $ 7,915,000 $ 125,000 $ 93,000
Sandoval County New Mexico 62 $ 9,850,000 $ 158,000 $ 141,000
Mesa County Colorado 61 $ 8,745,000 $ 143,000 $ 78,000
Lincoln County Oregon 60 $ 11,680,000 $ 194,000 $ 107,000
Summit County Colorado 54 $ 29,860,000 $ 552,000 $ 229,000
Canyon County Idaho 51 $ 9,655,000 $ 189,000 $ 133,000
Dallas County Texas 50 $ 10,590,000 $ 211,000 $ 0
Lancaster County Nebraska 49 $ 5,305,000 $ 108,000 $ 79,000
Tarrant County Texas 47 $ 10,095,000 $ 214,000 $ 0
Clark County Washington 45 $ 16,605,000 $ 369,000 $ 193,000
Pierce County Washington 45 $ 18,255,000 $ 405,000 $ 218,000
Linn County Iowa 44 $ 3,880,000 $ 88,000 $ 72,000
Grand County Colorado 43 $ 16,215,000 $ 377,000 $ 197,000
San Luis Obispo County California 42 $ 27,140,000 $ 646,000 $ 268,000
Harvey County Kansas 40 $ 3,380,000 $ 84,000 $ 60,000
San Benito County California 39 $ 7,145,000 $ 183,000 $ 179,000
Dallas County Iowa 38 $ 6,520,000 $ 171,000 $ 188,000
Lake County California 37 $ 6,755,000 $ 182,000 $ 76,000
Cass County Missouri 37 $ 5,715,000 $ 154,000 $ 142,000
Tulsa County Oklahoma 37 $ 4,555,000 $ 123,000 $ 84,000
Snohomish County Washington 37 $ 14,235,000 $ 384,000 $ 168,000
El Paso County Colorado 36 $ 9,310,000 $ 258,000 $ 157,000
Gila County Arizona 35 $ 6,195,000 $ 177,000 $ 94,000
Elbert County Colorado 32 $ 9,900,000 $ 309,000 $ 139,000
Navajo County Arizona 31 $ 3,425,000 $ 110,000 $ 93,000
Logan County Colorado 30 $ 4,370,000 $ 145,000 $ 70,000
Warren County Iowa 30 $ 4,510,000 $ 150,000 $ 83,000
Yavapai County Arizona 29 $ 8,165,000 $ 281,000 $ 126,000
Lyon County Minnesota 29 $ 2,985,000 $ 102,000 $ 100,000
Otter Tail County Minnesota 28 $ 3,850,000 $ 137,000 $ 108,000
Valencia County New Mexico 28 $ 4,110,000 $ 146,000 $ 73,000
Madera County California 27 $ 7,545,000 $ 279,000 $ 142,000
Montrose County Colorado 26 $ 3,960,000 $ 152,000 $ 88,000
Park County Colorado 26 $ 6,450,000 $ 248,000 $ 258,000
Boone County Iowa 26 $ 2,250,000 $ 86,000 $ 71,000
Clay County South Dakota 25 $ 3,525,000 $ 141,000 $ 76,000
Broomfield County Colorado 24 $ 6,770,000 $ 282,000 $ 178,000
Douglas County Nevada 24 $ 12,660,000 $ 527,000 $ 263,000
Swift County Minnesota 23 $ 2,735,000 $ 118,000 $ 100,000
Collin County Texas 23 $ 7,195,000 $ 312,000 $ 0
Kittitas County Washington 23 $ 3,365,000 $ 146,000 $ 105,000
Apache County Arizona 22 $ 2,600,000 $ 118,000 $ 72,000
Coconino County Arizona 22 $ 5,730,000 $ 260,000 $ 169,000
Davis County Utah 22 $ 6,950,000 $ 315,000 $ 169,000
Mendocino County California 21 $ 8,305,000 $ 395,000 $ 191,000
Morgan County Colorado 21 $ 3,345,000 $ 159,000 $ 177,000
Calaveras County California 20 $ 5,680,000 $ 284,000 $ 241,000
Platte County Missouri 20 $ 2,480,000 $ 124,000 $ 143,000
Box Butte County Nebraska 20 $ 1,630,000 $ 81,000 $ 77,000
San Miguel County Colorado 19 $ 26,805,000 $ 1,410,000 $ 478,000
Cowley County Kansas 19 $ 2,145,000 $ 112,000 $ 73,000
Buffalo County Nebraska 19 $ 1,975,000 $ 103,000 $ 98,000
Cleveland County Oklahoma 19 $ 10,515,000 $ 553,000 $ 216,000
Pueblo County Colorado 18 $ 2,540,000 $ 141,000 $ 105,000
Butler County Kansas 18 $ 2,030,000 $ 112,000 $ 70,000
Hall County Nebraska 18 $ 1,890,000 $ 105,000 $ 105,000
Santa Fe County New Mexico 18 $ 4,730,000 $ 262,000 $ 332,000
Garfield County Oklahoma 18 $ 1,390,000 $ 77,000 $ 54,000
Marion County Oregon 18 $ 9,690,000 $ 538,000 $ 152,000
Fort Bend County Texas 18 $ 3,840,000 $ 213,000 $ 0
Fremont County Wyoming 18 $ 2,680,000 $ 148,000 $ 97,000
Kit Carson County Colorado 17 $ 1,005,000 $ 59,000 $ 87,000
Phillips County Colorado 17 $ 2,005,000 $ 117,000 $ 72,000
Hennepin County Minnesota 17 $ 5,495,000 $ 323,000 $ 132,000
Platte County Nebraska 17 $ 1,995,000 $ 117,000 $ 56,000
Benton County Washington 17 $ 2,835,000 $ 166,000 $ 91,000
Delta County Colorado 16 $ 1,620,000 $ 101,000 $ 78,000
Routt County Colorado 16 $ 5,250,000 $ 328,000 $ 169,000
Duval County Florida 16 $ 2,920,000 $ 182,000 $ 0
Ford County Kansas 16 $ 1,720,000 $ 107,000 $ 67,000
Lincoln County Nebraska 16 $ 1,270,000 $ 79,000 $ 73,000
Weber County Utah 16 $ 3,770,000 $ 235,000 $ 118,000
Mohave County Arizona 15 $ 5,675,000 $ 378,000 $ 188,000
Tuolumne County California 15 $ 3,565,000 $ 237,000 $ 170,000
Chaffee County Colorado 15 $ 3,365,000 $ 224,000 $ 189,000
Clear Creek County Colorado 15 $ 4,905,000 $ 327,000 $ 179,000
Carroll County Iowa 15 $ 925,000 $ 61,000 $ 67,000
Johnson County Iowa 15 $ 1,265,000 $ 84,000 $ 74,000
Columbia County Oregon 15 $ 7,235,000 $ 482,000 $ 112,000
Deschutes County Oregon 15 $ 6,785,000 $ 452,000 $ 288,000
Montgomery County Tennessee 15 $ 2,845,000 $ 189,000 $ 0
Travis County Texas 15 $ 5,245,000 $ 349,000 $ 0
Franklin County Washington 15 $ 2,585,000 $ 172,000 $ 83,000
Sweetwater County Wyoming 15 $ 1,845,000 $ 123,000 $ 120,000
Uinta County Wyoming 15 $ 1,905,000 $ 127,000 $ 96,000
Carson City County Nevada 14 $ 4,190,000 $ 299,000 $ 91,000
Mariposa County California 13 $ 2,605,000 $ 200,000 $ 111,000
Sutter County California 13 $ 2,535,000 $ 195,000 $ 86,000
Blaine County Idaho 13 $ 4,285,000 $ 329,000 $ 292,000
Decatur County Iowa 13 $ 505,000 $ 38,000 $ 63,000
Pottawattamie County Iowa 13 $ 1,445,000 $ 111,000 $ 72,000
Reno County Kansas 13 $ 525,000 $ 40,000 $ 50,000
St. Louis County Missouri 13 $ 1,175,000 $ 90,000 $ 114,000
Cass County North Dakota 13 $ 2,245,000 $ 172,000 $ 133,000
Douglas County South Dakota 13 $ 2,185,000 $ 168,000 $ 111,000
Williamson County Texas 13 $ 4,085,000 $ 314,000 $ 0
Utah County Utah 13 $ 4,395,000 $ 338,000 $ 214,000
Spokane County Washington 13 $ 3,525,000 $ 271,000 $ 184,000
Lincoln County Wyoming 13 $ 1,385,000 $ 106,000 $ 83,000
Sheridan County Wyoming 13 $ 2,135,000 $ 164,000 $ 118,000
Las Animas County Colorado 12 $ 1,080,000 $ 90,000 $ 68,000
Pinellas County Florida 12 $ 3,150,000 $ 262,000 $ 0
Morrison County Minnesota 12 $ 1,350,000 $ 112,000 $ 76,000
Stevens County Minnesota 12 $ 1,040,000 $ 86,000 $ 66,000
Eagle County Colorado 11 $ 5,095,000 $ 463,000 $ 526,000
Cook County Illinois 11 $ 8,585,000 $ 780,000 $ 0
Franklin County Kansas 11 $ 875,000 $ 79,000 $ 64,000
Grant County Minnesota 11 $ 1,075,000 $ 97,000 $ 65,000
Nobles County Minnesota 11 $ 975,000 $ 88,000 $ 47,000
Camden County Missouri 11 $ 2,495,000 $ 226,000 $ 315,000
Dodge County Nebraska 11 $ 1,395,000 $ 126,000 $ 62,000
Madison County Nebraska 11 $ 1,595,000 $ 145,000 $ 79,000
Payne County Oklahoma 11 $ 1,275,000 $ 115,000 $ 48,000
Pontotoc County Oklahoma 11 $ 1,385,000 $ 125,000 $ 75,000
Seminole County Oklahoma 11 $ 1,295,000 $ 117,000 $ 81,000
Lane County Oregon 11 $ 4,025,000 $ 365,000 $ 247,000
Denton County Texas 11 $ 3,175,000 $ 288,000 $ 0
Yakima County Washington 11 $ 2,315,000 $ 210,000 $ 60,000
Yuba County California 10 $ 3,140,000 $ 314,000 $ 132,000
Clay County Florida 10 $ 2,100,000 $ 210,000 $ 0
Harrison County Iowa 10 $ 1,090,000 $ 109,000 $ 87,000
Story County Iowa 10 $ 1,080,000 $ 108,000 $ 100,000
Anoka County Minnesota 10 $ 1,460,000 $ 146,000 $ 140,000
Houston County Minnesota 10 $ 1,110,000 $ 111,000 $ 112,000
Norman County Minnesota 10 $ 730,000 $ 73,000 $ 192,000
Sheridan County Nebraska 10 $ 620,000 $ 62,000 $ 72,000
Umatilla County Oregon 10 $ 1,160,000 $ 116,000 $ 72,000
Montgomery County Texas 10 $ 2,540,000 $ 254,000 $ 0
Summit County Utah 10 $ 12,930,000 $ 1,293,000 $ 670,000
Winneshiek County Iowa 9 $ 605,000 $ 67,000 $ 95,000
Wyandotte County Kansas 9 $ 2,365,000 $ 262,000 $ 148,000
Cottonwood County Minnesota 9 $ 1,305,000 $ 145,000 $ 82,000
Gage County Nebraska 9 $ 975,000 $ 108,000 $ 73,000
Hillsborough County Florida 8 $ 3,070,000 $ 383,000 $ 0
Manatee County Florida 8 $ 2,160,000 $ 270,000 $ 0
Orange County Florida 8 $ 2,000,000 $ 250,000 $ 0
Volusia County Florida 8 $ 1,510,000 $ 188,000 $ 0
Kootenai County Idaho 8 $ 3,560,000 $ 445,000 $ 398,000
Valley County Idaho 8 $ 5,910,000 $ 738,000 $ 480,000
Marshall County Iowa 8 $ 540,000 $ 67,000 $ 40,000
Jackson County Minnesota 8 $ 610,000 $ 76,000 $ 103,000
Richland County North Dakota 8 $ 740,000 $ 92,000 $ 61,000
Canadian County Oklahoma 8 $ 890,000 $ 111,000 $ 71,000
Clatsop County Oregon 8 $ 4,130,000 $ 516,000 $ 269,000
Wasatch County Utah 8 $ 7,370,000 $ 921,000 $ 1,077,000
Milwaukee County Wisconsin 8 $ 7,720,000 $ 965,000 $ 0
Albany County Wyoming 8 $ 1,150,000 $ 143,000 $ 139,000
Niobrara County Wyoming 8 $ 810,000 $ 101,000 $ 49,000
Park County Wyoming 8 $ 730,000 $ 91,000 $ 75,000
Plumas County California 7 $ 1,485,000 $ 212,000 $ 140,000
Shasta County California 7 $ 1,305,000 $ 186,000 $ 106,000
Gilpin County Colorado 7 $ 3,175,000 $ 453,000 $ 184,000
Seminole County Florida 7 $ 1,705,000 $ 243,000 $ 0
Becker County Minnesota 7 $ 1,055,000 $ 150,000 $ 92,000
Kings County New York 7 $ 1,305,000 $ 186,000 $ 119,000
Carter County Oklahoma 7 $ 835,000 $ 119,000 $ 47,000
Logan County Oklahoma 7 $ 1,295,000 $ 185,000 $ 97,000
Linn County Oregon 7 $ 1,105,000 $ 157,000 $ 107,000
Tillamook County Oregon 7 $ 1,815,000 $ 259,000 $ 473,000
Charles Mix County South Dakota 7 $ 1,405,000 $ 200,000 $ 59,000
Carbon County Wyoming 7 $ 875,000 $ 125,000 $ 86,000
Natrona County Wyoming 7 $ 715,000 $ 102,000 $ 81,000
Teton County Wyoming 7 $ 5,155,000 $ 736,000 $ 289,000
Amador County California 6 $ 1,430,000 $ 238,000 $ 148,000
Tehama County California 6 $ 530,000 $ 88,000 $ 114,000
Fillmore County Minnesota 6 $ 560,000 $ 93,000 $ 70,000
Ramsey County Minnesota 6 $ 3,310,000 $ 551,000 $ 360,000
Traverse County Minnesota 6 $ 770,000 $ 128,000 $ 64,000
Wilkin County Minnesota 6 $ 400,000 $ 66,000 $ 62,000
Jefferson County Missouri 6 $ 650,000 $ 108,000 $ 143,000
Cherry County Nebraska 6 $ 2,480,000 $ 413,000 $ 79,000
Hamilton County Nebraska 6 $ 630,000 $ 105,000 $ 156,000
Lyon County Nevada 6 $ 520,000 $ 86,000 $ 217,000
Jackson County Oregon 6 $ 1,560,000 $ 260,000 $ 147,000
Josephine County Oregon 6 $ 900,000 $ 150,000 $ 108,000
Wasco County Oregon 6 $ 1,090,000 $ 181,000 $ 81,000
Union County South Dakota 6 $ 1,010,000 $ 168,000 $ 101,000
Davidson County Tennessee 6 $ 1,450,000 $ 241,000 $ 0
Washburn County Wisconsin 6 $ 670,000 $ 111,000 $ 53,000
Platte County Wyoming 6 $ 940,000 $ 156,000 $ 100,000
Anchorage County Alaska 5 $ 2,885,000 $ 577,000 $ 0
Mono County California 5 $ 1,615,000 $ 323,000 $ 199,000
Garfield County Colorado 5 $ 2,645,000 $ 529,000 $ 236,000
Moffat County Colorado 5 $ 515,000 $ 103,000 $ 110,000
Osceola County Florida 5 $ 1,025,000 $ 205,000 $ 0
Gem County Idaho 5 $ 1,445,000 $ 289,000 $ 137,000
Jones County Iowa 5 $ 455,000 $ 91,000 $ 66,000
Barton County Kansas 5 $ 285,000 $ 57,000 $ 54,000
Pawnee County Kansas 5 $ 275,000 $ 55,000 $ 86,000
Lincoln County Minnesota 5 $ 185,000 $ 37,000 $ 76,000
Yellow Medicine County Minnesota 5 $ 535,000 $ 107,000 $ 88,000
Cass County Nebraska 5 $ 2,125,000 $ 425,000 $ 141,000
Dawes County Nebraska 5 $ 465,000 $ 93,000 $ 70,000
Pierce County Nebraska 5 $ 445,000 $ 89,000 $ 56,000
Saunders County Nebraska 5 $ 705,000 $ 141,000 $ 121,000
Washington County Nebraska 5 $ 2,675,000 $ 535,000 $ 196,000
Golden Valley County North Dakota 5 $ 1,255,000 $ 251,000 $ 82,000
Stark County North Dakota 5 $ 585,000 $ 117,000 $ 103,000
Polk County Oregon 5 $ 1,035,000 $ 207,000 $ 136,000
Beadle County South Dakota 5 $ 315,000 $ 63,000 $ 50,000
Lincoln County South Dakota 5 $ 705,000 $ 141,000 $ 142,000
Minnehaha County South Dakota 5 $ 845,000 $ 169,000 $ 127,000
Perkins County South Dakota 5 $ 415,000 $ 83,000 $ 62,000
Potter County South Dakota 5 $ 195,000 $ 39,000 $ 38,000
Hamilton County Tennessee 5 $ 855,000 $ 171,000 $ 0
Washington County Utah 5 $ 1,745,000 $ 349,000 $ 279,000
Cowlitz County Washington 5 $ 3,345,000 $ 669,000 $ 99,000
Island County Washington 5 $ 2,005,000 $ 401,000 $ 227,000
Skagit County Washington 5 $ 2,745,000 $ 549,000 $ 358,000
Cochise County Arizona 4 $ 640,000 $ 160,000 $ 277,000
Santa Cruz County Arizona 4 $ 660,000 $ 165,000 $ 73,000
Glenn County California 4 $ 710,000 $ 177,000 $ 114,000
Fremont County Colorado 4 $ 1,030,000 $ 257,000 $ 139,000
Bonneville County Idaho 4 $ 800,000 $ 200,000 $ 50,000
Elmore County Idaho 4 $ 730,000 $ 182,000 $ 90,000
Payette County Idaho 4 $ 230,000 $ 57,000 $ 84,000
Davis County Iowa 4 $ 580,000 $ 145,000 $ 98,000
Fayette County Iowa 4 $ 280,000 $ 70,000 $ 50,000
Jasper County Iowa 4 $ 450,000 $ 112,000 $ 92,000
Finney County Kansas 4 $ 400,000 $ 100,000 $ 74,000
McPherson County Kansas 4 $ 450,000 $ 112,000 $ 106,000
Nance County Nebraska 4 $ 180,000 $ 45,000 $ 78,000
Stanton County Nebraska 4 $ 150,000 $ 37,000 $ 68,000
Nye County Nevada 4 $ 320,000 $ 80,000 $ 65,000
Queens County New York 4 $ 1,120,000 $ 280,000 $ 57,000
Richmond County New York 4 $ 840,000 $ 210,000 $ 38,000
Kay County Oklahoma 4 $ 230,000 $ 57,000 $ 45,000
Rogers County Oklahoma 4 $ 370,000 $ 92,000 $ 90,000
Wagoner County Oklahoma 4 $ 440,000 $ 110,000 $ 81,000
Yamhill County Oregon 4 $ 660,000 $ 165,000 $ 64,000
Aurora County South Dakota 4 $ 690,000 $ 172,000 $ 72,000
Fall River County South Dakota 4 $ 510,000 $ 127,000 $ 96,000
Bradley County Tennessee 4 $ 530,000 $ 132,000 $ 0
Rutherford County Tennessee 4 $ 980,000 $ 245,000 $ 0
Galveston County Texas 4 $ 720,000 $ 180,000 $ 0
Kane County Utah 4 $ 1,310,000 $ 327,000 $ 108,000
Tooele County Utah 4 $ 1,040,000 $ 260,000 $ 36,000
Kitsap County Washington 4 $ 1,480,000 $ 370,000 $ 333,000
Whatcom County Washington 4 $ 1,980,000 $ 495,000 $ 302,000
Sublette County Wyoming 4 $ 610,000 $ 152,000 $ 62,000
Mobile County Alabama 3 $ 2,175,000 $ 725,000 $ 0
La Plata County Colorado 3 $ 935,000 $ 311,000 $ 146,000
Montezuma County Colorado 3 $ 365,000 $ 121,000 $ 127,000
Pitkin County Colorado 3 $ 18,185,000 $ 6,061,000 $ 1,603,000
Adair County Iowa 3 $ 125,000 $ 41,000 $ 65,000
Appanoose County Iowa 3 $ 305,000 $ 101,000 $ 51,000
Benton County Iowa 3 $ 335,000 $ 111,000 $ 60,000
Lucas County Iowa 3 $ 655,000 $ 218,000 $ 72,000
Madison County Iowa 3 $ 185,000 $ 61,000 $ 112,000
Mills County Iowa 3 $ 755,000 $ 251,000 $ 101,000
Shelby County Iowa 3 $ 165,000 $ 55,000 $ 133,000
Tama County Iowa 3 $ 295,000 $ 98,000 $ 54,000
Edwards County Kansas 3 $ 265,000 $ 88,000 $ 71,000
Carver County Minnesota 3 $ 95,000 $ 31,000 $ 86,000
Clay County Minnesota 3 $ 285,000 $ 95,000 $ 75,000
Hubbard County Minnesota 3 $ 885,000 $ 295,000 $ 129,000
Kandiyohi County Minnesota 3 $ 545,000 $ 181,000 $ 57,000
Washington County Minnesota 3 $ 465,000 $ 155,000 $ 127,000
Greene County Missouri 3 $ 255,000 $ 85,000 $ 35,000
Johnson County Missouri 3 $ 225,000 $ 75,000 $ 70,000
Lafayette County Missouri 3 $ 235,000 $ 78,000 $ 76,000
Holt County Nebraska 3 $ 515,000 $ 171,000 $ 0
Howard County Nebraska 3 $ 335,000 $ 111,000 $ 64,000
Scotts Bluff County Nebraska 3 $ 335,000 $ 111,000 $ 54,000
Torrance County New Mexico 3 $ 315,000 $ 105,000 $ 86,000
Okmulgee County Oklahoma 3 $ 495,000 $ 165,000 $ 66,000
Pottawatomie County Oklahoma 3 $ 395,000 $ 131,000 $ 101,000
Benton County Oregon 3 $ 1,395,000 $ 465,000 $ 95,000
Harney County Oregon 3 $ 275,000 $ 91,000 $ 104,000
Jefferson County Oregon 3 $ 555,000 $ 185,000 $ 67,000
Hutchinson County South Dakota 3 $ 365,000 $ 121,000 $ 52,000
Spink County South Dakota 3 $ 135,000 $ 45,000 $ 17,000
Iron County Utah 3 $ 805,000 $ 268,000 $ 118,000
Lewis County Washington 3 $ 365,000 $ 121,000 $ 71,000
Thurston County Washington 3 $ 325,000 $ 108,000 $ 143,000
Campbell County Wyoming 3 $ 455,000 $ 151,000 $ 119,000
Goshen County Wyoming 3 $ 565,000 $ 188,000 $ 88,000
Washakie County Wyoming 3 $ 395,000 $ 131,000 $ 55,000
Yuma County Arizona 2 $ 150,000 $ 75,000 $ 138,000
Imperial County California 2 $ 630,000 $ 315,000 $ 1,010,000
Sierra County California 2 $ 300,000 $ 150,000 $ 76,000
Archuleta County Colorado 2 $ 1,060,000 $ 530,000 $ 40,000
Custer County Colorado 2 $ 250,000 $ 125,000 $ 83,000
Lincoln County Colorado 2 $ 180,000 $ 90,000 $ 157,000
Otero County Colorado 2 $ 190,000 $ 95,000 $ 54,000
Sedgwick County Colorado 2 $ 130,000 $ 65,000 $ 98,000
Bannock County Idaho 2 $ 140,000 $ 70,000 $ 61,000
Bonner County Idaho 2 $ 2,150,000 $ 1,075,000 $ 205,000
Boundary County Idaho 2 $ 330,000 $ 165,000 $ 75,000
Jefferson County Idaho 2 $ 100,000 $ 50,000 $ 28,000
Jerome County Idaho 2 $ 380,000 $ 190,000 $ 0
Owyhee County Idaho 2 $ 380,000 $ 190,000 $ 174,000
Clarke County Iowa 2 $ 450,000 $ 225,000 $ 42,000
Delaware County Iowa 2 $ 110,000 $ 55,000 $ 24,000
Greene County Iowa 2 $ 220,000 $ 110,000 $ 179,000
Hardin County Iowa 2 $ 260,000 $ 130,000 $ 46,000
Poweshiek County Iowa 2 $ 240,000 $ 120,000 $ 171,000
Ringgold County Iowa 2 $ 50,000 $ 25,000 $ 30,000
Sac County Iowa 2 $ 340,000 $ 170,000 $ 111,000
Scott County Iowa 2 $ 300,000 $ 150,000 $ 32,000
Wapello County Iowa 2 $ 180,000 $ 90,000 $ 54,000
Douglas County Kansas 2 $ 710,000 $ 355,000 $ 213,000
Gray County Kansas 2 $ 90,000 $ 45,000 $ 105,000
Hodgeman County Kansas 2 $ 300,000 $ 150,000 $ 38,000
Marion County Kansas 2 $ 220,000 $ 110,000 $ 118,000
Rice County Kansas 2 $ 210,000 $ 105,000 $ 100,000
Stafford County Kansas 2 $ 70,000 $ 35,000 $ 72,000
Wallace County Kansas 2 $ 100,000 $ 50,000 $ 27,000
Woodson County Kansas 2 $ 360,000 $ 180,000 $ 114,000
Cass County Minnesota 2 $ 950,000 $ 475,000 $ 69,000
Crow Wing County Minnesota 2 $ 250,000 $ 125,000 $ 66,000
Douglas County Minnesota 2 $ 450,000 $ 225,000 $ 87,000
Mille Lacs County Minnesota 2 $ 460,000 $ 230,000 $ 32,000
Pope County Minnesota 2 $ 280,000 $ 140,000 $ 146,000
Sherburne County Minnesota 2 $ 190,000 $ 95,000 $ 158,000
Stearns County Minnesota 2 $ 290,000 $ 145,000 $ 128,000
Buchanan County Missouri 2 $ 180,000 $ 90,000 $ 44,000
St. Louis City County Missouri 2 $ 1,140,000 $ 570,000 $ 0
Taney County Missouri 2 $ 780,000 $ 390,000 $ 493,000
Dixon County Nebraska 2 $ 80,000 $ 40,000 $ 92,000
Frontier County Nebraska 2 $ 370,000 $ 185,000 $ 121,000
Kearney County Nebraska 2 $ 190,000 $ 95,000 $ 112,000
Knox County Nebraska 2 $ 170,000 $ 85,000 $ 54,000
Seward County Nebraska 2 $ 170,000 $ 85,000 $ 100,000
Humboldt County Nevada 2 $ 6,610,000 $ 3,305,000 $ 0
Rio Arriba County New Mexico 2 $ 150,000 $ 75,000 $ 69,000
Taos County New Mexico 2 $ 380,000 $ 190,000 $ 88,000
Cuyahoga County Ohio 2 $ 1,320,000 $ 660,000 $ 0
Mahoning County Ohio 2 $ 430,000 $ 215,000 $ 0
Montgomery County Ohio 2 $ 960,000 $ 480,000 $ 0
Creek County Oklahoma 2 $ 200,000 $ 100,000 $ 46,000
Grant County Oklahoma 2 $ 210,000 $ 105,000 $ 35,000
Sequoyah County Oklahoma 2 $ 330,000 $ 165,000 $ 59,000
Washington County Oklahoma 2 $ 370,000 $ 185,000 $ 59,000
Coos County Oregon 2 $ 940,000 $ 470,000 $ 266,000
Crook County Oregon 2 $ 360,000 $ 180,000 $ 219,000
Douglas County Oregon 2 $ 440,000 $ 220,000 $ 201,000
Klamath County Oregon 2 $ 70,000 $ 35,000 $ 30,000
Lake County Oregon 2 $ 310,000 $ 155,000 $ 218,000
Malheur County Oregon 2 $ 270,000 $ 135,000 $ 51,000
Union County Oregon 2 $ 320,000 $ 160,000 $ 169,000
York County South Carolina 2 $ 320,000 $ 160,000 $ 0
Jerauld County South Dakota 2 $ 40,000 $ 20,000 $ 74,000
Lake County South Dakota 2 $ 290,000 $ 145,000 $ 90,000
Shelby County Tennessee 2 $ 2,070,000 $ 1,035,000 $ 0
Sumner County Tennessee 2 $ 580,000 $ 290,000 $ 0
Wilson County Tennessee 2 $ 490,000 $ 245,000 $ 0
Brazoria County Texas 2 $ 350,000 $ 175,000 $ 0
Guadalupe County Texas 2 $ 400,000 $ 200,000 $ 0
Kaufman County Texas 2 $ 360,000 $ 180,000 $ 0
Rockwall County Texas 2 $ 670,000 $ 335,000 $ 0
Cache County Utah 2 $ 650,000 $ 325,000 $ 0
Adams County Washington 2 $ 450,000 $ 225,000 $ 61,000
Clallam County Washington 2 $ 930,000 $ 465,000 $ 82,000
Grays Harbor County Washington 2 $ 540,000 $ 270,000 $ 137,000
Walla Walla County Washington 2 $ 620,000 $ 310,000 $ 164,000
Calumet County Wisconsin 2 $ 310,000 $ 155,000 $ 88,000
Douglas County Wisconsin 2 $ 330,000 $ 165,000 $ 35,000
Kenosha County Wisconsin 2 $ 410,000 $ 205,000 $ 0
Waukesha County Wisconsin 2 $ 410,000 $ 205,000 $ 1,483,000
Big Horn County Wyoming 2 $ 320,000 $ 160,000 $ 75,000
Converse County Wyoming 2 $ 320,000 $ 160,000 $ 44,000
Cullman County Alabama 1 $ 905,000 $ 905,000 $ 0
Jefferson County Alabama 1 $ 1,605,000 $ 1,605,000 $ 0
La Paz County Arizona 1 $ 405,000 $ 405,000 $ 199,000
Colusa County California 1 $ 45,000 $ 45,000 $ 117,000
Del Norte County California 1 $ 55,000 $ 55,000 $ 130,000
Lassen County California 1 $ 105,000 $ 105,000 $ 98,000
Modoc County California 1 $ 2,505,000 $ 2,505,000 $ 0
Trinity County California 1 $ 655,000 $ 655,000 $ 360,000
Cheyenne County Colorado 1 $ 95,000 $ 95,000 $ 22,000
Huerfano County Colorado 1 $ 15,000 $ 15,000 $ 164,000
Ouray County Colorado 1 $ 105,000 $ 105,000 $ 195,000
Prowers County Colorado 1 $ 155,000 $ 155,000 $ 50,000
Rio Blanco County Colorado 1 $ 705,000 $ 705,000 $ 0
Yuma County Colorado 1 $ 165,000 $ 165,000 $ 71,000
Hartford County Connecticut 1 $ 25,000 $ 25,000 $ 99,000
Pasco County Florida 1 $ 205,000 $ 205,000 $ 0
Polk County Florida 1 $ 195,000 $ 195,000 $ 0
Chatham County Georgia 1 $ 185,000 $ 185,000 $ 0
Gwinnett County Georgia 1 $ 165,000 $ 165,000 $ 0
Henry County Georgia 1 $ 185,000 $ 185,000 $ 0
Adams County Idaho 1 $ 605,000 $ 605,000 $ 332,000
Bingham County Idaho 1 $ 105,000 $ 105,000 $ 0
Nez Perce County Idaho 1 $ 105,000 $ 105,000 $ 201,000
Teton County Idaho 1 $ 75,000 $ 75,000 $ 42,000
Champaign County Illinois 1 $ 575,000 $ 575,000 $ 0
Madison County Illinois 1 $ 305,000 $ 305,000 $ 0
Rock Island County Illinois 1 $ 275,000 $ 275,000 $ 94,000
Will County Illinois 1 $ 1,275,000 $ 1,275,000 $ 0
Buena Vista County Iowa 1 $ 205,000 $ 205,000 $ 403,000
Calhoun County Iowa 1 $ 165,000 $ 165,000 $ 0
Cedar County Iowa 1 $ 185,000 $ 185,000 $ 0
Cerro Gordo County Iowa 1 $ 275,000 $ 275,000 $ 89,000
Chickasaw County Iowa 1 $ 155,000 $ 155,000 $ 88,000
Guthrie County Iowa 1 $ 375,000 $ 375,000 $ 285,000
Howard County Iowa 1 $ 215,000 $ 215,000 $ 127,000
Iowa County Iowa 1 $ 305,000 $ 305,000 $ 142,000
Jackson County Iowa 1 $ 135,000 $ 135,000 $ 65,000
Montgomery County Iowa 1 $ 75,000 $ 75,000 $ 0
O'Brien County Iowa 1 $ 75,000 $ 75,000 $ 28,000
Osceola County Iowa 1 $ 105,000 $ 105,000 $ 35,000
Plymouth County Iowa 1 $ 85,000 $ 85,000 $ 109,000
Sioux County Iowa 1 $ 205,000 $ 205,000 $ 82,000
Washington County Iowa 1 $ 95,000 $ 95,000 $ 43,000
Woodbury County Iowa 1 $ 15,000 $ 15,000 $ 60,000
Decatur County Kansas 1 $ 125,000 $ 125,000 $ 85,000
Dickinson County Kansas 1 $ 165,000 $ 165,000 $ 46,000
Jackson County Kansas 1 $ 55,000 $ 55,000 $ 0
Kingman County Kansas 1 $ 25,000 $ 25,000 $ 122,000
Kiowa County Kansas 1 $ 105,000 $ 105,000 $ 69,000
Lane County Kansas 1 $ 15,000 $ 15,000 $ 17,000
Leavenworth County Kansas 1 $ 145,000 $ 145,000 $ 67,000
Linn County Kansas 1 $ 105,000 $ 105,000 $ 62,000
Lyon County Kansas 1 $ 295,000 $ 295,000 $ 113,000
Neosho County Kansas 1 $ 135,000 $ 135,000 $ 22,000
Osage County Kansas 1 $ 265,000 $ 265,000 $ 58,000
Seward County Kansas 1 $ 125,000 $ 125,000 $ 81,000
Shawnee County Kansas 1 $ 55,000 $ 55,000 $ 125,000
Sherman County Kansas 1 $ 25,000 $ 25,000 $ 64,000
Sumner County Kansas 1 $ 155,000 $ 155,000 $ 165,000
Washington County Kansas 1 $ 305,000 $ 305,000 $ 100,000
Big Stone County Minnesota 1 $ 85,000 $ 85,000 $ 55,000
Carlton County Minnesota 1 $ 215,000 $ 215,000 $ 63,000
Murray County Minnesota 1 $ 75,000 $ 75,000 $ 20,000
Nicollet County Minnesota 1 $ 275,000 $ 275,000 $ 104,000
Olmsted County Minnesota 1 $ 145,000 $ 145,000 $ 222,000
Pennington County Minnesota 1 $ 115,000 $ 115,000 $ 38,000
Polk County Minnesota 1 $ 65,000 $ 65,000 $ 43,000
Redwood County Minnesota 1 $ 155,000 $ 155,000 $ 80,000
Todd County Minnesota 1 $ 155,000 $ 155,000 $ 0
Wabasha County Minnesota 1 $ 125,000 $ 125,000 $ 46,000
Winona County Minnesota 1 $ 115,000 $ 115,000 $ 42,000
Lee County Mississippi 1 $ 925,000 $ 925,000 $ 0
Adair County Missouri 1 $ 265,000 $ 265,000 $ 94,000
Benton County Missouri 1 $ 85,000 $ 85,000 $ 41,000
Christian County Missouri 1 $ 175,000 $ 175,000 $ 69,000
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Mortgage Loan Application Detail Totals for Bank Of The West in 2022

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
Other Purpose 6,903 $1,854,695,000 $268,000 $3,905,000 $211,000 $6,416,000
Home Purchase 5,925 $3,525,655,000 $595,000 $10,205,000 $281,000 $4,864,000
Home Improvement 4,884 $978,990,000 $200,000 $2,005,000 $188,000 $8,118,000
Refinancing 4,286 $1,988,010,000 $463,000 $15,685,000 $253,000 $8,986,000
Cash-out Refinancing 2,741 $1,422,035,000 $518,000 $6,005,000 $169,000 $4,793,000
Not Applicable 18 $1,830,000 $101,000 $255,000 $44,000 $113,000

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 11,281 $4,304,365,000 $381,000 $15,685,000 $215,000 $8,118,000
Not Provided 3,754 $1,721,860,000 $458,000 $6,505,000 $280,000 $8,986,000
Asian 3,658 $1,860,560,000 $508,000 $5,505,000 $255,000 $4,800,000
Not applicable 2,640 $940,320,000 $356,000 $14,005,000 $85,000 $633,000
Hispanic 2,472 $577,360,000 $233,000 $2,705,000 $141,000 $2,038,000
Black or African American 406 $110,460,000 $272,000 $2,595,000 $171,000 $3,234,000
American Indian or Alaskan Native 123 $26,585,000 $216,000 $2,505,000 $154,000 $2,093,000
Native Hawaiian or Other Pacific Islander 44 $13,390,000 $304,000 $3,005,000 $164,000 $969,000

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) 24,358 $9,687,280,000 $397,000 $15,685,000 $224,000 $8,986,000
FHA-insured (Federal Housing Administration) 357 $73,685,000 $206,000 $945,000 $68,000 $257,000
VA-guaranteed (Veterans Administration) 38 $9,780,000 $257,000 $815,000 $69,000 $181,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 4 $470,000 $117,000 $175,000 $62,000 $92,000

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 14,077 $5,737,815,000 $407,000 $15,685,000 $255,000 $8,986,000
Application Denied By Financial Institution 7,233 $2,527,215,000 $349,000 $10,205,000 $177,000 $8,118,000
Application Withdrawn By Applicant 2,738 $1,296,330,000 $473,000 $8,505,000 $213,000 $3,684,000
Loan Purchased By The Institution 569 $135,635,000 $238,000 $785,000 $85,000 $633,000
Application Approved But Not Accepted 138 $73,540,000 $532,000 $8,005,000 $207,000 $1,047,000
File Closed For Incompleteness 2 $680,000 $340,000 $525,000 $0 $0
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 17,524 $7,244,000,000 $413,000 $15,685,000 $241,000 $8,986,000
Debt-To-Income Ratio 2,887 $989,305,000 $342,000 $10,205,000 $98,000 $1,348,000
Credit Application Incomplete 2,648 $1,019,950,000 $385,000 $6,275,000 $231,000 $8,118,000
Collateral 544 $207,960,000 $382,000 $6,205,000 $252,000 $3,184,000
Other 512 $130,890,000 $255,000 $3,005,000 $203,000 $2,192,000
Unverifiable Information 382 $114,920,000 $300,000 $4,335,000 $257,000 $1,754,000
Credit History 209 $45,615,000 $218,000 $2,955,000 $119,000 $792,000
Insufficient Cash (Downpayment, Closing Cost) 31 $15,625,000 $504,000 $3,715,000 $154,000 $969,000
Employment History 19 $2,505,000 $131,000 $375,000 $112,000 $187,000
Mortgage Insurance Denied 1 $445,000 $445,000 $445,000 $179,000 $179,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The West's 2022 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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