Bank of the West Mortgage Lending & HMDA Data, 2014
In 2014, Bank of the West of San Francisco, CA reported 11,532 mortgage applications totaling $3.4 billion, down 39% from 2013. The average application was for $298,530, and applicants reported an average income of $117,760. 53% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Denver-Aurora-Lakewood, CO (1,051), Los Angeles-Long Beach-Glendale, CA (837) and Oakland-Hayward-Berkeley, CA (763) (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 | 11,532 |
| Total Mortgage Loan Application Amount | $3,442,648,000 |
| Average Mortgage Loan Application Amount | $298,530 |
| Highest Mortgage Loan Application Amount | $12,241,000 |
| Average Applicant Income | $117,760 |
| Highest Applicant Income | $3,779,000 |
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Denver-Aurora-Lakewood, CO | 1,051 | $ 272,003,000 | $ 258,803 | $ 129,000 |
| Los Angeles-Long Beach-Glendale, CA | 837 | $ 396,473,000 | $ 473,683 | $ 165,000 |
| Oakland-Hayward-Berkeley, CA | 763 | $ 353,252,000 | $ 462,977 | $ 132,000 |
| Omaha-Council Bluffs, NE-IA | 496 | $ 61,380,000 | $ 123,750 | $ 70,822 |
| Albuquerque, NM | 396 | $ 52,202,000 | $ 131,823 | $ 73,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 388 | $ 210,715,000 | $ 543,079 | $ 171,000 |
| Modesto, CA | 344 | $ 58,916,000 | $ 171,267 | $ 89,000 |
| Anaheim-Santa Ana-Irvine, CA | 316 | $ 168,073,000 | $ 531,876 | $ 225,000 |
| San Francisco-Redwood City-South San Francisco, CA | 310 | $ 196,525,000 | $ 633,951 | $ 170,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 287 | $ 97,162,000 | $ 338,543 | $ 126,000 |
| Stockton-Lodi, CA | 286 | $ 73,203,000 | $ 255,954 | $ 92,000 |
| Kansas City, MO-KS | 259 | $ 62,208,000 | $ 240,185 | $ 87,254 |
| Riverside-San Bernardino-Ontario, CA | 237 | $ 76,139,000 | $ 321,261 | $ 156,000 |
| Des Moines-West Des Moines, IA | 228 | $ 29,588,000 | $ 129,771 | $ 77,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 219 | $ 85,835,000 | $ 391,940 | $ 109,410 |
| Wichita, KS | 180 | $ 14,175,000 | $ 78,750 | $ 68,000 |
| Santa Rosa, CA | 151 | $ 56,992,000 | $ 377,430 | $ 116,000 |
| San Diego-Carlsbad, CA | 125 | $ 54,094,000 | $ 432,752 | $ 199,000 |
| Phoenix-Mesa-Scottsdale, AZ | 117 | $ 34,974,000 | $ 298,923 | $ 86,000 |
| Boise City, ID | 116 | $ 34,920,000 | $ 301,034 | $ 106,000 |
| Fresno, CA | 116 | $ 23,433,000 | $ 202,008 | $ 111,000 |
| Las Vegas-Henderson-Paradise, NV | 100 | $ 35,400,000 | $ 354,000 | $ 148,000 |
| Lincoln, NE | 94 | $ 10,841,000 | $ 115,329 | $ 70,000 |
| Vallejo-Fairfield, CA | 93 | $ 19,148,000 | $ 205,892 | $ 97,000 |
| San Rafael, CA | 82 | $ 55,227,000 | $ 673,500 | $ 194,000 |
| Visalia-Porterville, CA | 78 | $ 10,346,000 | $ 132,641 | $ 78,000 |
| Boulder, CO | 77 | $ 35,925,000 | $ 466,558 | $ 139,000 |
| Fargo, ND-MN | 74 | $ 15,182,000 | $ 205,162 | $ 61,432 |
| Tucson, AZ | 74 | $ 14,027,000 | $ 189,554 | $ 98,000 |
| Oklahoma City, OK | 72 | $ 20,896,000 | $ 290,222 | $ 62,000 |
| Santa Maria-Santa Barbara, CA | 71 | $ 44,601,000 | $ 628,183 | $ 311,000 |
| Cedar Rapids, IA | 66 | $ 6,563,000 | $ 99,439 | $ 74,000 |
| Reno, NV | 66 | $ 17,671,000 | $ 267,742 | $ 207,000 |
| Salinas, CA | 65 | $ 41,721,000 | $ 641,861 | $ 169,000 |
| Napa, CA | 64 | $ 28,455,000 | $ 444,609 | $ 129,000 |
| Greeley, CO | 63 | $ 10,348,000 | $ 164,253 | $ 88,000 |
| Fort Collins, CO | 59 | $ 22,462,000 | $ 380,711 | $ 98,000 |
| Las Cruces, NM | 55 | $ 5,995,000 | $ 109,000 | $ 78,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 50 | $ 24,158,000 | $ 483,160 | $ 172,000 |
| Tulsa, OK | 49 | $ 4,992,000 | $ 101,877 | $ 71,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 47 | $ 21,348,000 | $ 454,212 | $ 120,000 |
| Salt Lake City, UT | 47 | $ 26,899,000 | $ 572,319 | $ 243,000 |
| Santa Cruz-Watsonville, CA | 47 | $ 23,098,000 | $ 491,446 | $ 178,000 |
| Hanford-Corcoran, CA | 46 | $ 3,982,000 | $ 86,565 | $ 61,000 |
| Grand Junction, CO | 45 | $ 8,600,000 | $ 191,111 | $ 74,000 |
| Chico, CA | 36 | $ 3,450,000 | $ 95,833 | $ 62,000 |
| Kennewick-Richland, WA | 35 | $ 5,808,000 | $ 165,942 | $ 67,000 |
| Merced, CA | 32 | $ 6,678,000 | $ 208,687 | $ 79,000 |
| Seattle-Bellevue-Everett, WA | 32 | $ 17,766,000 | $ 555,187 | $ 163,000 |
| Bakersfield, CA | 31 | $ 4,445,000 | $ 143,387 | $ 80,000 |
| Casper, WY | 31 | $ 7,590,000 | $ 244,838 | $ 100,000 |
| Cheyenne, WY | 31 | $ 7,268,000 | $ 234,451 | $ 78,000 |
| Grand Island, NE | 30 | $ 3,165,000 | $ 105,500 | $ 64,000 |
| Ames, IA | 23 | $ 6,932,000 | $ 301,391 | $ 122,000 |
| Colorado Springs, CO | 23 | $ 7,563,000 | $ 328,826 | $ 118,000 |
| Flagstaff, AZ | 23 | $ 3,118,000 | $ 135,565 | $ 138,000 |
| Sioux City, IA-NE-SD | 20 | $ 1,774,000 | $ 88,700 | $ 54,700 |
| Yakima, WA | 20 | $ 3,819,000 | $ 190,950 | $ 31,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 18 | $ 8,278,000 | $ 459,888 | $ 231,000 |
| Prescott, AZ | 17 | $ 2,236,000 | $ 131,529 | $ 92,000 |
| Carson City, NV | 11 | $ 3,557,000 | $ 323,363 | $ 181,000 |
| Tacoma-Lakewood, WA | 11 | $ 7,413,000 | $ 673,909 | $ 61,000 |
| Bend-Redmond, OR | 10 | $ 5,427,000 | $ 542,700 | $ 282,000 |
| Provo-Orem, UT | 10 | $ 3,722,000 | $ 372,200 | $ 150,000 |
| Iowa City, IA | 9 | $ 585,000 | $ 65,000 | $ 68,000 |
| Ogden-Clearfield, UT | 9 | $ 4,155,000 | $ 461,666 | $ 212,000 |
| Redding, CA | 8 | $ 625,000 | $ 78,125 | $ 108,000 |
| Santa Fe, NM | 8 | $ 3,284,000 | $ 410,500 | $ 104,000 |
| Madera, CA | 7 | $ 4,142,000 | $ 591,714 | $ 91,000 |
| St. Cloud, MN | 7 | $ 485,000 | $ 69,285 | $ 37,000 |
| Topeka, KS | 7 | $ 794,000 | $ 113,428 | $ 44,000 |
| Rochester, MN | 6 | $ 942,000 | $ 157,000 | $ 199,000 |
| Salem, OR | 6 | $ 4,046,000 | $ 674,333 | $ 78,000 |
| Davenport-Moline-Rock Island, IA-IL | 5 | $ 253,000 | $ 50,600 | $ 45,000 |
| Eugene, OR | 5 | $ 891,000 | $ 178,200 | $ 28,000 |
| La Crosse-Onalaska, WI-MN | 5 | $ 255,000 | $ 51,000 | $ 44,000 |
| Lake Havasu City-Kingman, AZ | 5 | $ 622,000 | $ 124,400 | $ 87,000 |
| Pueblo, CO | 5 | $ 618,000 | $ 123,600 | $ 60,000 |
| Rapid City, SD | 4 | $ 2,486,000 | $ 621,500 | $ 258,000 |
| Spokane-Spokane Valley, WA | 4 | $ 727,000 | $ 181,750 | $ 88,000 |
| St. George, UT | 4 | $ 2,742,000 | $ 685,500 | $ 21,000 |
| St. Louis, MO-IL | 4 | $ 12,882,000 | $ 3,220,500 | $ 154,000 |
| Albany, OR | 3 | $ 1,612,000 | $ 537,333 | $ 197,000 |
| Duluth, MN-WI | 3 | $ 185,000 | $ 61,666 | $ 78,333 |
| Grand Forks, ND-MN | 3 | $ 66,000 | $ 22,000 | $ 44,333 |
| Lawrence, KS | 3 | $ 326,000 | $ 108,666 | $ 56,000 |
| Longview, WA | 3 | $ 3,330,000 | $ 1,110,000 | $ 0 |
| Yuba City, CA | 3 | $ 493,000 | $ 164,333 | $ 105,000 |
| Bremerton-Silverdale, WA | 2 | $ 1,124,000 | $ 562,000 | $ 132,000 |
| Chicago-Naperville-Arlington Heights, IL | 2 | $ 3,500,000 | $ 1,750,000 | $ 0 |
| Coeur D'Alene, ID | 2 | $ 3,691,000 | $ 1,845,500 | $ 94,000 |
| Dallas-Plano-Irving, TX | 2 | $ 295,000 | $ 147,500 | $ 0 |
| Grants Pass, OR | 2 | $ 394,000 | $ 197,000 | $ 538,000 |
| Idaho Falls, ID | 2 | $ 1,094,000 | $ 547,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 157,000 | $ 78,500 | $ 106,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 110,000 | $ 55,000 | $ 38,000 |
| Racine, WI | 2 | $ 87,000 | $ 43,500 | $ 160,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 106,000 | $ 53,000 | $ 43,000 |
| Sioux Falls, SD | 2 | $ 82,000 | $ 41,000 | $ 40,000 |
| Wenatchee, WA | 2 | $ 1,650,000 | $ 825,000 | $ 0 |
| Bellingham, WA | 1 | $ 204,000 | $ 204,000 | $ 43,000 |
| Billings, MT | 1 | $ 40,000 | $ 40,000 | $ 103,000 |
| Corvallis, OR | 1 | $ 1,490,000 | $ 1,490,000 | $ 0 |
| Erie, PA | 1 | $ 1,183,000 | $ 1,183,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 11,000 | $ 11,000 | $ 106,000 |
| Fort Worth-Arlington, TX | 1 | $ 1,800,000 | $ 1,800,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 156,000 | $ 156,000 | $ 108,000 |
| Jacksonville, FL | 1 | $ 3,000 | $ 3,000 | $ 73,000 |
| Joplin, MO | 1 | $ 12,000 | $ 12,000 | $ 14,000 |
| Lafayette, LA | 1 | $ 7,400,000 | $ 7,400,000 | $ 0 |
| Lawton, OK | 1 | $ 6,000 | $ 6,000 | $ 67,000 |
| Logan, UT-ID | 1 | $ 1,100,000 | $ 1,100,000 | $ 0 |
| Manhattan, KS | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Port St. Lucie, FL | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 12,241,000 | $ 12,241,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 2,450,000 | $ 2,450,000 | $ 0 |
| Urban Honolulu, HI | 1 | $ 250,000 | $ 250,000 | $ 240,000 |
| Walla Walla, WA | 1 | $ 138,000 | $ 138,000 | $ 37,000 |
| Waterloo-Cedar Falls, IA | 1 | $ 248,000 | $ 248,000 | $ 124,000 |
| Wausau, WI | 1 | $ 180,000 | $ 180,000 | $ 124,000 |
| Yuma, AZ | 1 | $ 215,000 | $ 215,000 | $ 62,000 |
Mortgage Loan Application Detail Totals for Bank of the West in 2014
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 | 5,066 | $1,763,193,000 | $348,000 | $12,241,000 | $114,000 | $2,944,000 |
| Home Purchase | 4,184 | $1,497,069,000 | $357,000 | $11,900,000 | $144,000 | $3,779,000 |
| Home Improvement | 2,282 | $182,386,000 | $79,000 | $6,500,000 | $78,000 | $2,021,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 7,433 | $1,964,170,000 | $264,000 | $4,000,000 | $125,000 | $3,779,000 |
| Hispanic | 1,481 | $254,308,000 | $171,000 | $2,200,000 | $83,000 | $2,205,000 |
| Asian | 964 | $417,926,000 | $433,000 | $4,000,000 | $159,000 | $1,404,000 |
| Not Provided | 881 | $284,880,000 | $323,000 | $2,900,000 | $138,000 | $2,160,000 |
| Not applicable | 450 | $472,255,000 | $1,049,000 | $12,241,000 | $0 | $0 |
| Black or African American | 186 | $29,718,000 | $159,000 | $1,429,000 | $84,000 | $1,093,000 |
| American Indian or Alaskan Native | 78 | $5,887,000 | $75,000 | $520,000 | $67,000 | $255,000 |
| Native Hawaiian or Other Pacific Islander | 59 | $13,504,000 | $228,000 | $1,170,000 | $118,000 | $1,320,000 |
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) | 10,796 | $3,326,243,000 | $308,000 | $12,241,000 | $121,000 | $3,779,000 |
| FHA-insured (Federal Housing Administration) | 474 | $74,155,000 | $156,000 | $625,000 | $66,000 | $394,000 |
| VA-guaranteed (Veterans Administration) | 184 | $33,398,000 | $181,000 | $688,000 | $70,000 | $348,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 78 | $8,852,000 | $113,000 | $347,000 | $42,000 | $120,000 |
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 | 6,142 | $1,961,498,000 | $319,000 | $12,241,000 | $132,000 | $3,779,000 |
| Application Denied By Financial Institution | 3,069 | $688,567,000 | $224,000 | $8,900,000 | $80,000 | $1,397,000 |
| Application Withdrawn By Applicant | 1,221 | $396,753,000 | $324,000 | $6,435,000 | $128,000 | $2,000,000 |
| File Closed For Incompleteness | 607 | $204,439,000 | $336,000 | $2,956,000 | $141,000 | $1,518,000 |
| Application Approved But Not Accepted | 480 | $187,359,000 | $390,000 | $5,900,000 | $118,000 | $1,286,000 |
| Loan Purchased By The Institution | 13 | $4,032,000 | $310,000 | $801,000 | $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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1,043 | $376,752,000 | $361,000 | $4,000,000 | $60,000 | $783,000 |
| Credit History | 1,026 | $73,988,000 | $72,000 | $1,850,000 | $72,000 | $714,000 |
| Unverifiable Information | 410 | $52,330,000 | $127,000 | $4,000,000 | $114,000 | $1,397,000 |
| Collateral | 380 | $90,961,000 | $239,000 | $2,000,000 | $120,000 | $1,190,000 |
| Other | 71 | $21,811,000 | $307,000 | $3,875,000 | $86,000 | $485,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 56 | $17,291,000 | $308,000 | $1,238,000 | $123,000 | $579,000 |
| Credit Application Incomplete | 54 | $49,174,000 | $910,000 | $8,900,000 | $25,000 | $258,000 |
| Employment History | 26 | $5,390,000 | $207,000 | $806,000 | $49,000 | $140,000 |
| Mortgage Insurance Denied | 3 | $870,000 | $290,000 | $408,000 | $124,000 | $182,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2014 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About