Bank of the West Mortgage Lending & HMDA Data, 2012
In 2012, Bank of the West of San Francisco, CA reported 22,293 mortgage applications totaling $5.8 billion, up 40% from 2011. The average application was for $258,982, and applicants reported an average income of $124,123. 54% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,810), Denver-Aurora-Broomfield, CO (1,554) and Oakland-Fremont-Hayward, CA (1,279) (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 | 22,293 |
| Total Mortgage Loan Application Amount | $5,773,502,000 |
| Average Mortgage Loan Application Amount | $258,982 |
| Highest Mortgage Loan Application Amount | $16,500,000 |
| Average Applicant Income | $124,123 |
| Highest Applicant Income | $9,999,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 1,810 | $ 779,769,000 | $ 430,811 | $ 169,000 |
| Denver-Aurora-Broomfield, CO | 1,554 | $ 399,189,000 | $ 256,878 | $ 117,000 |
| Oakland-Fremont-Hayward, CA | 1,279 | $ 458,083,000 | $ 358,157 | $ 146,000 |
| Omaha-Council Bluffs, NE-IA | 1,138 | $ 145,574,000 | $ 127,920 | $ 82,290 |
| San Jose-Sunnyvale-Santa Clara, CA | 811 | $ 353,843,000 | $ 436,304 | $ 156,000 |
| Albuquerque, NM | 750 | $ 131,964,000 | $ 175,952 | $ 93,000 |
| San Francisco-San Mateo-Redwood City, CA | 740 | $ 405,894,000 | $ 548,505 | $ 198,000 |
| Santa Ana-Anaheim-Irvine, CA | 643 | $ 296,766,000 | $ 461,533 | $ 206,000 |
| Kansas City, MO-KS | 551 | $ 90,370,000 | $ 164,010 | $ 95,341 |
| Des Moines-West Des Moines, IA | 534 | $ 66,354,000 | $ 124,258 | $ 76,000 |
| Wichita, KS | 487 | $ 53,186,000 | $ 109,211 | $ 75,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 471 | $ 133,415,000 | $ 283,259 | $ 218,000 |
| Modesto, CA | 437 | $ 75,624,000 | $ 173,052 | $ 124,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 422 | $ 121,408,000 | $ 287,696 | $ 97,867 |
| Stockton, CA | 376 | $ 66,121,000 | $ 175,853 | $ 98,000 |
| Riverside-San Bernardino-Ontario, CA | 309 | $ 88,308,000 | $ 285,786 | $ 171,000 |
| Santa Rosa-Petaluma, CA | 290 | $ 91,122,000 | $ 314,213 | $ 142,000 |
| San Diego-Carlsbad-San Marcos, CA | 254 | $ 113,911,000 | $ 448,468 | $ 274,000 |
| Oklahoma City, OK | 216 | $ 29,419,000 | $ 136,199 | $ 85,000 |
| Fargo, ND-MN | 203 | $ 34,918,000 | $ 172,009 | $ 91,896 |
| Cedar Rapids, IA | 194 | $ 22,999,000 | $ 118,551 | $ 69,000 |
| Fresno, CA | 181 | $ 31,031,000 | $ 171,441 | $ 123,000 |
| Lincoln, NE | 172 | $ 17,113,000 | $ 99,494 | $ 66,000 |
| Phoenix-Mesa-Glendale, AZ | 170 | $ 32,649,000 | $ 192,052 | $ 197,000 |
| Boulder, CO | 167 | $ 67,229,000 | $ 402,568 | $ 123,000 |
| Santa Cruz-Watsonville, CA | 136 | $ 55,573,000 | $ 408,625 | $ 166,000 |
| Visalia-Porterville, CA | 133 | $ 22,546,000 | $ 169,518 | $ 112,000 |
| Tucson, AZ | 128 | $ 26,201,000 | $ 204,695 | $ 164,000 |
| Boise City-Nampa, ID | 127 | $ 34,578,000 | $ 272,267 | $ 90,000 |
| Salinas, CA | 127 | $ 75,406,000 | $ 593,748 | $ 323,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 124 | $ 49,900,000 | $ 402,419 | $ 231,000 |
| Vallejo-Fairfield, CA | 114 | $ 24,224,000 | $ 212,491 | $ 118,000 |
| Napa, CA | 112 | $ 55,921,000 | $ 499,294 | $ 194,000 |
| Fort Collins-Loveland, CO | 107 | $ 26,084,000 | $ 243,775 | $ 121,000 |
| Las Vegas-Paradise, NV | 106 | $ 27,558,000 | $ 259,981 | $ 204,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 100 | $ 58,250,000 | $ 582,500 | $ 267,000 |
| Kennewick-Pasco-Richland, WA | 95 | $ 14,373,000 | $ 151,294 | $ 73,000 |
| Bakersfield-Delano, CA | 93 | $ 14,563,000 | $ 156,591 | $ 113,000 |
| Salt Lake City, UT | 90 | $ 57,022,000 | $ 633,577 | $ 298,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 88 | $ 22,907,000 | $ 260,306 | $ 108,670 |
| Greeley, CO | 83 | $ 15,099,000 | $ 181,915 | $ 80,000 |
| Chico, CA | 81 | $ 12,109,000 | $ 149,493 | $ 68,000 |
| Las Cruces, NM | 81 | $ 7,782,000 | $ 96,074 | $ 55,000 |
| Cheyenne, WY | 66 | $ 8,861,000 | $ 134,257 | $ 61,000 |
| Reno-Sparks, NV | 64 | $ 24,261,000 | $ 379,078 | $ 150,000 |
| Tulsa, OK | 61 | $ 6,163,000 | $ 101,032 | $ 67,000 |
| Iowa City, IA | 54 | $ 7,991,000 | $ 147,981 | $ 86,000 |
| Ames, IA | 50 | $ 5,901,000 | $ 118,020 | $ 71,000 |
| Hanford-Corcoran, CA | 48 | $ 6,339,000 | $ 132,062 | $ 75,000 |
| Sioux City, IA-NE-SD | 44 | $ 4,295,000 | $ 97,613 | $ 65,250 |
| Grand Junction, CO | 40 | $ 7,095,000 | $ 177,375 | $ 113,000 |
| La Crosse, WI-MN | 34 | $ 3,754,000 | $ 110,411 | $ 67,029 |
| Merced, CA | 34 | $ 6,113,000 | $ 179,794 | $ 89,000 |
| Flagstaff, AZ | 33 | $ 5,905,000 | $ 178,939 | $ 82,000 |
| St. Cloud, MN | 32 | $ 4,366,000 | $ 136,437 | $ 83,000 |
| Carson City, NV | 31 | $ 9,758,000 | $ 314,774 | $ 125,000 |
| Davenport-Moline-Rock Island, IA-IL | 31 | $ 3,146,000 | $ 101,483 | $ 53,322 |
| Salem, OR | 31 | $ 14,842,000 | $ 478,774 | $ 59,000 |
| Lawrence, KS | 30 | $ 5,140,000 | $ 171,333 | $ 89,000 |
| Ogden-Clearfield, UT | 30 | $ 12,054,000 | $ 401,800 | $ 171,000 |
| Casper, WY | 26 | $ 4,401,000 | $ 169,269 | $ 78,000 |
| Santa Fe, NM | 24 | $ 7,523,000 | $ 313,458 | $ 133,000 |
| Yakima, WA | 22 | $ 3,353,000 | $ 152,409 | $ 146,000 |
| San Luis Obispo-Paso Robles, CA | 21 | $ 8,316,000 | $ 396,000 | $ 289,000 |
| Seattle-Bellevue-Everett, WA | 21 | $ 6,810,000 | $ 324,285 | $ 105,000 |
| Colorado Springs, CO | 20 | $ 8,912,000 | $ 445,600 | $ 111,000 |
| Prescott, AZ | 19 | $ 1,500,000 | $ 78,947 | $ 49,000 |
| Bend, OR | 16 | $ 5,831,000 | $ 364,437 | $ 212,000 |
| Provo-Orem, UT | 16 | $ 10,353,000 | $ 647,062 | $ 458,000 |
| Sioux Falls, SD | 13 | $ 1,826,000 | $ 140,461 | $ 113,000 |
| Madera-Chowchilla, CA | 12 | $ 1,946,000 | $ 162,166 | $ 114,000 |
| Yuba City, CA | 12 | $ 2,278,000 | $ 189,833 | $ 108,000 |
| Lake Havasu City-Kingman, AZ | 9 | $ 1,356,000 | $ 150,666 | $ 219,000 |
| Dallas-Plano-Irving, TX | 8 | $ 7,838,000 | $ 979,750 | $ 0 |
| Eugene-Springfield, OR | 8 | $ 2,522,000 | $ 315,250 | $ 72,000 |
| Topeka, KS | 8 | $ 1,016,000 | $ 127,000 | $ 58,000 |
| St. George, UT | 7 | $ 1,378,000 | $ 196,857 | $ 358,000 |
| St. Louis, MO-IL | 6 | $ 450,000 | $ 75,000 | $ 48,000 |
| Waterloo-Cedar Falls, IA | 6 | $ 644,000 | $ 107,333 | $ 109,000 |
| Bismarck, ND | 5 | $ 985,000 | $ 197,000 | $ 92,000 |
| Redding, CA | 5 | $ 1,149,000 | $ 229,800 | $ 201,000 |
| Duluth, MN-WI | 4 | $ 618,000 | $ 154,500 | $ 61,500 |
| Medford, OR | 4 | $ 1,294,000 | $ 323,500 | $ 528,000 |
| St. Joseph, MO-KS | 4 | $ 531,000 | $ 132,750 | $ 84,000 |
| Corvallis, OR | 3 | $ 1,490,000 | $ 496,666 | $ 0 |
| El Paso, TX | 3 | $ 21,000 | $ 7,000 | $ 32,000 |
| Lawton, OK | 3 | $ 147,000 | $ 49,000 | $ 74,000 |
| Pueblo, CO | 3 | $ 288,000 | $ 96,000 | $ 69,000 |
| Bellingham, WA | 2 | $ 184,000 | $ 92,000 | $ 67,000 |
| Coeur D'Alene, ID | 2 | $ 490,000 | $ 245,000 | $ 265,000 |
| Columbus, OH | 2 | $ 750,000 | $ 375,000 | $ 0 |
| Grand Forks, ND-MN | 2 | $ 834,000 | $ 417,000 | $ 171,000 |
| Joplin, MO | 2 | $ 182,000 | $ 91,000 | $ 60,000 |
| Manhattan, KS | 2 | $ 193,000 | $ 96,500 | $ 99,000 |
| McAllen-Edinburg-Mission, TX | 2 | $ 19,000 | $ 9,500 | $ 77,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 218,000 | $ 109,000 | $ 49,000 |
| Ocean City, NJ | 2 | $ 727,000 | $ 363,500 | $ 832,000 |
| Rapid City, SD | 2 | $ 421,000 | $ 210,500 | $ 60,000 |
| Tacoma, WA | 2 | $ 249,000 | $ 124,500 | $ 47,000 |
| Yuma, AZ | 2 | $ 486,000 | $ 243,000 | $ 139,000 |
| Dubuque, IA | 1 | $ 90,000 | $ 90,000 | $ 85,000 |
| El Centro, CA | 1 | $ 71,000 | $ 71,000 | $ 215,000 |
| Farmington, NM | 1 | $ 126,000 | $ 126,000 | $ 66,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 100,000 | $ 100,000 | $ 29,000 |
| Fort Smith, AR-OK | 1 | $ 7,000 | $ 7,000 | $ 44,000 |
| Idaho Falls, ID | 1 | $ 177,000 | $ 177,000 | $ 66,000 |
| Lewiston, ID-WA | 1 | $ 123,000 | $ 123,000 | $ 45,000 |
| Lynchburg, VA | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 1 | $ 263,000 | $ 263,000 | $ 241,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Olympia, WA | 1 | $ 520,000 | $ 520,000 | $ 0 |
| Pocatello, ID | 1 | $ 165,000 | $ 165,000 | $ 83,000 |
| Rochester, MN | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Spokane, WA | 1 | $ 8,000 | $ 8,000 | $ 81,000 |
| Springfield, MO | 1 | $ 94,000 | $ 94,000 | $ 63,000 |
Mortgage Loan Application Detail Totals for Bank of the West in 2012
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 | 14,410 | $4,072,081,000 | $282,000 | $16,500,000 | $131,000 | $8,535,000 |
| Home Purchase | 5,669 | $1,510,996,000 | $266,000 | $6,000,000 | $127,000 | $9,999,000 |
| Home Improvement | 2,214 | $190,425,000 | $86,000 | $3,000,000 | $72,000 | $3,002,000 |
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 | 15,014 | $3,603,655,000 | $240,000 | $6,500,000 | $127,000 | $9,999,000 |
| Not Provided | 2,525 | $772,554,000 | $305,000 | $5,000,000 | $149,000 | $8,154,000 |
| Hispanic | 2,006 | $333,296,000 | $166,000 | $1,600,000 | $76,000 | $2,640,000 |
| Asian | 1,711 | $659,395,000 | $385,000 | $3,390,000 | $164,000 | $2,536,000 |
| Not applicable | 492 | $309,278,000 | $628,000 | $16,500,000 | $0 | $0 |
| Black or African American | 342 | $56,327,000 | $164,000 | $2,300,000 | $79,000 | $1,100,000 |
| American Indian or Alaskan Native | 107 | $13,498,000 | $126,000 | $1,007,000 | $104,000 | $1,384,000 |
| Native Hawaiian or Other Pacific Islander | 96 | $25,499,000 | $265,000 | $1,608,000 | $133,000 | $1,527,000 |
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) | 19,904 | $5,405,384,000 | $271,000 | $16,500,000 | $131,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 1,821 | $281,139,000 | $154,000 | $728,000 | $62,000 | $1,032,000 |
| VA-guaranteed (Veterans Administration) | 418 | $70,405,000 | $168,000 | $708,000 | $65,000 | $434,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 150 | $16,574,000 | $110,000 | $316,000 | $41,000 | $112,000 |
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 | 12,098 | $3,133,965,000 | $259,000 | $16,500,000 | $131,000 | $8,154,000 |
| Application Denied By Financial Institution | 5,509 | $1,319,008,000 | $239,000 | $4,700,000 | $104,000 | $8,535,000 |
| Application Approved But Not Accepted | 2,513 | $705,290,000 | $280,000 | $6,000,000 | $141,000 | $9,999,000 |
| Application Withdrawn By Applicant | 1,093 | $308,151,000 | $281,000 | $3,800,000 | $133,000 | $3,000,000 |
| Preapproval Denied by Financial Institution | 574 | $127,348,000 | $221,000 | $2,000,000 | $68,000 | $565,000 |
| Preapproval Approved but not Accepted | 426 | $154,231,000 | $362,000 | $2,475,000 | $123,000 | $1,489,000 |
| File Closed For Incompleteness | 57 | $21,451,000 | $376,000 | $2,650,000 | $176,000 | $1,203,000 |
| Loan Purchased By The Institution | 23 | $4,058,000 | $176,000 | $403,000 | $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 |
|---|---|---|---|---|---|---|
| Credit History | 1,929 | $251,376,000 | $130,000 | $4,000,000 | $86,000 | $8,535,000 |
| Debt-To-Income Ratio | 1,748 | $527,444,000 | $301,000 | $3,000,000 | $63,000 | $1,735,000 |
| Collateral | 1,456 | $404,377,000 | $277,000 | $3,600,000 | $134,000 | $3,253,000 |
| Other | 347 | $116,165,000 | $334,000 | $4,700,000 | $216,000 | $6,714,000 |
| Credit Application Incomplete | 266 | $79,432,000 | $298,000 | $2,000,000 | $121,000 | $1,771,000 |
| Unverifiable Information | 140 | $22,807,000 | $162,000 | $2,499,000 | $116,000 | $1,370,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 120 | $32,899,000 | $274,000 | $2,300,000 | $117,000 | $1,100,000 |
| Employment History | 69 | $10,960,000 | $158,000 | $970,000 | $58,000 | $348,000 |
| Mortgage Insurance Denied | 8 | $896,000 | $112,000 | $223,000 | $53,000 | $133,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2012 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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