Bank of the West Mortgage Lending & HMDA Data, 2015
In 2015, Bank of the West of San Francisco, CA reported 14,117 mortgage applications totaling $5.3 billion, up 22% from 2014. The average application was for $374,086, and applicants reported an average income of $138,736. 56% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (1,405), Denver-Aurora-Lakewood, CO (1,103) and Oakland-Hayward-Berkeley, CA (1,042) (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 | 14,117 |
| Total Mortgage Loan Application Amount | $5,280,974,000 |
| Average Mortgage Loan Application Amount | $374,086 |
| Highest Mortgage Loan Application Amount | $34,215,000 |
| Average Applicant Income | $138,736 |
| 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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,405 | $ 805,921,000 | $ 573,609 | $ 206,000 |
| Denver-Aurora-Lakewood, CO | 1,103 | $ 336,097,000 | $ 304,711 | $ 116,000 |
| Oakland-Hayward-Berkeley, CA | 1,042 | $ 501,872,000 | $ 481,642 | $ 149,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 563 | $ 363,604,000 | $ 645,833 | $ 179,000 |
| Omaha-Council Bluffs, NE-IA | 558 | $ 96,641,000 | $ 173,191 | $ 68,998 |
| Anaheim-Santa Ana-Irvine, CA | 532 | $ 325,505,000 | $ 611,851 | $ 222,000 |
| San Francisco-Redwood City-South San Francisco, CA | 457 | $ 332,336,000 | $ 727,212 | $ 197,000 |
| Modesto, CA | 405 | $ 91,926,000 | $ 226,977 | $ 121,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 379 | $ 143,642,000 | $ 379,002 | $ 146,000 |
| Riverside-San Bernardino-Ontario, CA | 326 | $ 141,784,000 | $ 434,920 | $ 179,000 |
| Stockton-Lodi, CA | 313 | $ 73,830,000 | $ 235,878 | $ 98,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 311 | $ 153,636,000 | $ 494,006 | $ 105,424 |
| Santa Rosa, CA | 276 | $ 114,039,000 | $ 413,184 | $ 151,000 |
| Kansas City, MO-KS | 274 | $ 72,501,000 | $ 264,602 | $ 84,733 |
| Albuquerque, NM | 271 | $ 50,543,000 | $ 186,505 | $ 96,000 |
| Des Moines-West Des Moines, IA | 211 | $ 33,498,000 | $ 158,758 | $ 70,000 |
| Wichita, KS | 209 | $ 26,674,000 | $ 127,626 | $ 76,000 |
| Fresno, CA | 174 | $ 37,415,000 | $ 215,028 | $ 137,000 |
| Las Vegas-Henderson-Paradise, NV | 156 | $ 49,314,000 | $ 316,115 | $ 197,000 |
| San Diego-Carlsbad, CA | 156 | $ 76,851,000 | $ 492,634 | $ 224,000 |
| San Rafael, CA | 141 | $ 109,825,000 | $ 778,900 | $ 219,000 |
| Phoenix-Mesa-Scottsdale, AZ | 125 | $ 44,987,000 | $ 359,896 | $ 117,000 |
| Vallejo-Fairfield, CA | 122 | $ 34,084,000 | $ 279,377 | $ 105,000 |
| Boulder, CO | 113 | $ 35,596,000 | $ 315,008 | $ 129,000 |
| Napa, CA | 113 | $ 56,244,000 | $ 497,734 | $ 210,000 |
| Reno, NV | 102 | $ 33,668,000 | $ 330,078 | $ 166,000 |
| Lincoln, NE | 97 | $ 13,299,000 | $ 137,103 | $ 66,000 |
| Salinas, CA | 97 | $ 60,196,000 | $ 620,577 | $ 190,000 |
| Boise City, ID | 94 | $ 18,575,000 | $ 197,606 | $ 115,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 87 | $ 41,855,000 | $ 481,091 | $ 163,000 |
| Tucson, AZ | 87 | $ 22,998,000 | $ 264,344 | $ 175,000 |
| Oklahoma City, OK | 86 | $ 20,942,000 | $ 243,511 | $ 72,000 |
| Grand Junction, CO | 82 | $ 15,265,000 | $ 186,158 | $ 96,000 |
| Santa Maria-Santa Barbara, CA | 82 | $ 68,639,000 | $ 837,060 | $ 269,000 |
| Fargo, ND-MN | 78 | $ 23,425,000 | $ 300,320 | $ 66,769 |
| Visalia-Porterville, CA | 77 | $ 12,898,000 | $ 167,506 | $ 151,000 |
| Santa Cruz-Watsonville, CA | 68 | $ 40,313,000 | $ 592,838 | $ 273,000 |
| Greeley, CO | 66 | $ 16,789,000 | $ 254,378 | $ 93,000 |
| Fort Collins, CO | 64 | $ 18,473,000 | $ 288,640 | $ 139,000 |
| Las Cruces, NM | 61 | $ 4,170,000 | $ 68,360 | $ 85,000 |
| Hanford-Corcoran, CA | 59 | $ 6,198,000 | $ 105,050 | $ 76,000 |
| Salt Lake City, UT | 59 | $ 28,888,000 | $ 489,627 | $ 213,000 |
| Tulsa, OK | 57 | $ 10,283,000 | $ 180,403 | $ 93,000 |
| Bakersfield, CA | 54 | $ 12,778,000 | $ 236,629 | $ 86,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 47 | $ 14,468,000 | $ 307,829 | $ 69,000 |
| Chico, CA | 43 | $ 5,720,000 | $ 133,023 | $ 63,000 |
| Merced, CA | 43 | $ 26,440,000 | $ 614,883 | $ 328,000 |
| Seattle-Bellevue-Everett, WA | 43 | $ 38,206,000 | $ 888,511 | $ 109,000 |
| Grand Island, NE | 33 | $ 3,189,000 | $ 96,636 | $ 65,000 |
| Kennewick-Richland, WA | 33 | $ 6,806,000 | $ 206,242 | $ 67,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 32 | $ 16,107,000 | $ 503,343 | $ 345,000 |
| Cedar Rapids, IA | 29 | $ 6,312,000 | $ 217,655 | $ 53,000 |
| Colorado Springs, CO | 28 | $ 41,485,000 | $ 1,481,607 | $ 63,000 |
| Cheyenne, WY | 25 | $ 4,199,000 | $ 167,960 | $ 69,000 |
| Carson City, NV | 23 | $ 5,703,000 | $ 247,956 | $ 75,000 |
| Casper, WY | 22 | $ 4,189,000 | $ 190,409 | $ 100,000 |
| Ogden-Clearfield, UT | 20 | $ 10,584,000 | $ 529,200 | $ 191,000 |
| Ames, IA | 19 | $ 5,782,000 | $ 304,315 | $ 59,000 |
| Tacoma-Lakewood, WA | 19 | $ 8,590,000 | $ 452,105 | $ 70,000 |
| Prescott, AZ | 18 | $ 2,557,000 | $ 142,055 | $ 54,000 |
| Yakima, WA | 15 | $ 2,583,000 | $ 172,200 | $ 94,000 |
| Bend-Redmond, OR | 13 | $ 4,574,000 | $ 351,846 | $ 316,000 |
| Flagstaff, AZ | 13 | $ 3,704,000 | $ 284,923 | $ 70,000 |
| Lake Havasu City-Kingman, AZ | 11 | $ 1,890,000 | $ 171,818 | $ 146,000 |
| Pueblo, CO | 10 | $ 9,633,000 | $ 963,300 | $ 68,000 |
| Sioux City, IA-NE-SD | 10 | $ 1,442,000 | $ 144,200 | $ 71,300 |
| Eugene, OR | 9 | $ 2,934,000 | $ 326,000 | $ 75,000 |
| Idaho Falls, ID | 9 | $ 1,263,000 | $ 140,333 | $ 37,000 |
| Iowa City, IA | 9 | $ 1,142,000 | $ 126,888 | $ 72,000 |
| La Crosse-Onalaska, WI-MN | 9 | $ 1,541,000 | $ 171,222 | $ 51,000 |
| Bellingham, WA | 8 | $ 4,220,000 | $ 527,500 | $ 59,000 |
| Salem, OR | 8 | $ 3,127,000 | $ 390,875 | $ 68,000 |
| St. Cloud, MN | 8 | $ 1,087,000 | $ 135,875 | $ 68,000 |
| Rochester, MN | 7 | $ 1,513,000 | $ 216,142 | $ 208,000 |
| Madera, CA | 6 | $ 1,500,000 | $ 250,000 | $ 91,000 |
| Olympia-Tumwater, WA | 6 | $ 1,476,000 | $ 246,000 | $ 72,000 |
| Provo-Orem, UT | 6 | $ 4,652,000 | $ 775,333 | $ 168,000 |
| Santa Fe, NM | 6 | $ 4,144,000 | $ 690,666 | $ 69,000 |
| St. George, UT | 6 | $ 1,920,000 | $ 320,000 | $ 1,123,000 |
| Yuba City, CA | 6 | $ 2,218,000 | $ 369,666 | $ 67,000 |
| Spokane-Spokane Valley, WA | 5 | $ 2,841,000 | $ 568,200 | $ 0 |
| Corvallis, OR | 4 | $ 834,000 | $ 208,500 | $ 85,000 |
| Lawrence, KS | 4 | $ 305,000 | $ 76,250 | $ 68,000 |
| Medford, OR | 4 | $ 790,000 | $ 197,500 | $ 131,000 |
| Topeka, KS | 4 | $ 227,000 | $ 56,750 | $ 82,000 |
| Bremerton-Silverdale, WA | 3 | $ 959,000 | $ 319,666 | $ 78,000 |
| Duluth, MN-WI | 3 | $ 330,000 | $ 110,000 | $ 78,666 |
| Houston-The Woodlands-Sugar Land, TX | 3 | $ 5,770,000 | $ 1,923,333 | $ 0 |
| Redding, CA | 3 | $ 590,000 | $ 196,666 | $ 87,000 |
| Sioux Falls, SD | 3 | $ 328,000 | $ 109,333 | $ 65,000 |
| Farmington, NM | 2 | $ 1,091,000 | $ 545,500 | $ 29,000 |
| Grants Pass, OR | 2 | $ 496,000 | $ 248,000 | $ 109,000 |
| Manhattan, KS | 2 | $ 398,000 | $ 199,000 | $ 154,000 |
| Mankato-North Mankato, MN | 2 | $ 296,000 | $ 148,000 | $ 58,000 |
| Walla Walla, WA | 2 | $ 670,000 | $ 335,000 | $ 35,000 |
| Wenatchee, WA | 2 | $ 735,000 | $ 367,500 | $ 85,000 |
| Albany, OR | 1 | $ 581,000 | $ 581,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 988,000 | $ 988,000 | $ 0 |
| Austin-Round Rock, TX | 1 | $ 1,440,000 | $ 1,440,000 | $ 0 |
| Bismarck, ND | 1 | $ 308,000 | $ 308,000 | $ 149,000 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 1,824,000 | $ 1,824,000 | $ 0 |
| Coeur D'Alene, ID | 1 | $ 8,000 | $ 8,000 | $ 106,000 |
| Dallas-Plano-Irving, TX | 1 | $ 1,600,000 | $ 1,600,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 3,300,000 | $ 3,300,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 308,000 | $ 308,000 | $ 463,000 |
| Joplin, MO | 1 | $ 40,000 | $ 40,000 | $ 89,000 |
| Longview, WA | 1 | $ 830,000 | $ 830,000 | $ 0 |
| San Antonio-New Braunfels, TX | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 1 | $ 145,000 | $ 145,000 | $ 41,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 5,000 | $ 5,000 | $ 105,000 |
| Springfield, MO | 1 | $ 173,000 | $ 173,000 | $ 55,000 |
| St. Joseph, MO-KS | 1 | $ 146,000 | $ 146,000 | $ 65,000 |
| St. Louis, MO-IL | 1 | $ 133,000 | $ 133,000 | $ 94,000 |
| Urban Honolulu, HI | 1 | $ 5,000 | $ 5,000 | $ 110,000 |
| Yuma, AZ | 1 | $ 100,000 | $ 100,000 | $ 153,000 |
Mortgage Loan Application Detail Totals for Bank of the West in 2015
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 | 6,940 | $2,951,544,000 | $425,000 | $34,215,000 | $142,000 | $9,999,000 |
| Home Purchase | 4,845 | $1,961,984,000 | $404,000 | $22,985,000 | $158,000 | $6,236,000 |
| Home Improvement | 2,332 | $367,446,000 | $157,000 | $9,950,000 | $89,000 | $2,040,000 |
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 | 8,853 | $2,935,461,000 | $331,000 | $6,520,000 | $147,000 | $9,999,000 |
| Hispanic | 1,589 | $353,946,000 | $222,000 | $2,250,000 | $100,000 | $2,639,000 |
| Not Provided | 1,369 | $537,596,000 | $392,000 | $4,000,000 | $167,000 | $1,720,000 |
| Asian | 1,300 | $696,763,000 | $535,000 | $4,000,000 | $176,000 | $2,105,000 |
| Not applicable | 631 | $669,155,000 | $1,060,000 | $34,215,000 | $0 | $136,000 |
| Black or African American | 234 | $59,144,000 | $252,000 | $1,360,000 | $103,000 | $485,000 |
| American Indian or Alaskan Native | 73 | $9,421,000 | $129,000 | $1,905,000 | $91,000 | $1,286,000 |
| Native Hawaiian or Other Pacific Islander | 68 | $19,488,000 | $286,000 | $1,100,000 | $147,000 | $538,000 |
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) | 13,271 | $5,124,988,000 | $386,000 | $34,215,000 | $143,000 | $9,999,000 |
| FHA-insured (Federal Housing Administration) | 561 | $104,681,000 | $186,000 | $636,000 | $67,000 | $359,000 |
| VA-guaranteed (Veterans Administration) | 230 | $44,531,000 | $193,000 | $614,000 | $69,000 | $366,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $6,774,000 | $123,000 | $301,000 | $49,000 | $116,000 |
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 | 7,960 | $3,098,637,000 | $389,000 | $34,215,000 | $146,000 | $9,999,000 |
| Application Denied By Financial Institution | 2,904 | $859,269,000 | $295,000 | $12,000,000 | $93,000 | $1,781,000 |
| Application Withdrawn By Applicant | 1,675 | $608,686,000 | $363,000 | $7,650,000 | $143,000 | $3,294,000 |
| File Closed For Incompleteness | 944 | $439,931,000 | $466,000 | $4,000,000 | $196,000 | $3,333,000 |
| Application Approved But Not Accepted | 607 | $268,414,000 | $442,000 | $6,750,000 | $168,000 | $6,236,000 |
| Loan Purchased By The Institution | 27 | $6,037,000 | $223,000 | $455,000 | $141,000 | $692,000 |
| 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 | 1,062 | $460,123,000 | $433,000 | $12,000,000 | $67,000 | $1,405,000 |
| Credit History | 906 | $79,573,000 | $87,000 | $1,635,000 | $80,000 | $1,781,000 |
| Collateral | 368 | $137,414,000 | $373,000 | $8,000,000 | $148,000 | $1,728,000 |
| Unverifiable Information | 307 | $59,822,000 | $194,000 | $2,795,000 | $144,000 | $781,000 |
| Other | 107 | $25,009,000 | $233,000 | $1,650,000 | $117,000 | $1,661,000 |
| Credit Application Incomplete | 63 | $55,904,000 | $887,000 | $7,760,000 | $45,000 | $807,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 58 | $29,573,000 | $509,000 | $4,000,000 | $163,000 | $1,056,000 |
| Employment History | 30 | $11,181,000 | $372,000 | $1,272,000 | $65,000 | $416,000 |
| Mortgage Insurance Denied | 3 | $670,000 | $223,000 | $239,000 | $113,000 | $213,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2015 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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