Bank Of The West
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Bank Of The West 2016 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 | 16,918 |
| Total Mortgage Loan Application Amount | $7,064,718,000 |
| Average Mortgage Loan Application Amount | $377,333 |
| Highest Mortgage Loan Application Amount | $33,500,000 |
| Average Applicant Income | $127,666 |
| Highest Applicant Income | $7,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 2,010 | $ 1,272,936,000 | $ 633,000 | $ 179,000 |
| DENVER-AURORA-LAKEWOOD, CO | 1,348 | $ 469,800,000 | $ 348,000 | $ 127,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 1,291 | $ 692,113,000 | $ 536,000 | $ 148,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 789 | $ 192,978,000 | $ 244,000 | $ 72,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 729 | $ 534,417,000 | $ 733,000 | $ 257,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 660 | $ 190,743,000 | $ 289,000 | $ 88,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 592 | $ 472,285,000 | $ 797,000 | $ 222,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 588 | $ 397,842,000 | $ 676,000 | $ 230,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 407 | $ 144,401,000 | $ 354,000 | $ 138,000 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 400 | $ 91,806,000 | $ 188,000 | $ 56,000 |
| MODESTO, CA | 377 | $ 89,796,000 | $ 238,000 | $ 104,000 |
| SAN DIEGO-CARLSBAD, CA | 325 | $ 200,079,000 | $ 615,000 | $ 185,000 |
| STOCKTON-LODI, CA | 302 | $ 77,067,000 | $ 255,000 | $ 99,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 285 | $ 117,415,000 | $ 381,000 | $ 72,000 |
| ALBUQUERQUE, NM | 255 | $ 37,818,000 | $ 148,000 | $ 90,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 248 | $ 69,645,000 | $ 280,000 | $ 66,000 |
| SANTA ROSA, CA | 248 | $ 126,256,000 | $ 509,000 | $ 186,000 |
| KANSAS CITY, MO-KS | 245 | $ 60,390,000 | $ 242,000 | $ 87,000 |
| SAN RAFAEL, CA | 194 | $ 176,575,000 | $ 910,000 | $ 261,000 |
| DES MOINES-WEST DES MOINES, IA | 187 | $ 43,066,000 | $ 230,000 | $ 73,000 |
| BOISE CITY, ID | 161 | $ 28,893,000 | $ 179,000 | $ 41,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 158 | $ 84,472,000 | $ 534,000 | $ 167,000 |
| FRESNO, CA | 155 | $ 49,096,000 | $ 316,000 | $ 85,000 |
| WICHITA, KS | 145 | $ 15,486,000 | $ 106,000 | $ 69,000 |
| BOULDER, CO | 141 | $ 57,840,000 | $ 410,000 | $ 135,000 |
| VALLEJO-FAIRFIELD, CA | 139 | $ 43,073,000 | $ 309,000 | $ 114,000 |
| RENO, NV | 137 | $ 42,512,000 | $ 310,000 | $ 96,000 |
| TUCSON, AZ | 127 | $ 40,895,000 | $ 322,000 | $ 228,000 |
| SALINAS, CA | 123 | $ 65,464,000 | $ 532,000 | $ 146,000 |
| SANTA MARIA-SANTA BARBARA, CA | 107 | $ 90,136,000 | $ 842,000 | $ 265,000 |
| SEATTLE-BELLEVUE-EVERETT, WA | 104 | $ 40,895,000 | $ 393,000 | $ 62,000 |
| SANTA CRUZ-WATSONVILLE, CA | 88 | $ 45,554,000 | $ 517,000 | $ 150,000 |
| NAPA, CA | 86 | $ 47,365,000 | $ 550,000 | $ 151,000 |
| OGDEN-CLEARFIELD, UT | 86 | $ 18,237,000 | $ 212,000 | $ 63,000 |
| SALT LAKE CITY, UT | 86 | $ 37,864,000 | $ 440,000 | $ 77,000 |
| COLORADO SPRINGS, CO | 85 | $ 34,043,000 | $ 400,000 | $ 49,000 |
| OKLAHOMA CITY, OK | 81 | $ 17,540,000 | $ 216,000 | $ 64,000 |
| LAS CRUCES, NM | 75 | $ 7,372,000 | $ 98,000 | $ 63,000 |
| VISALIA-PORTERVILLE, CA | 69 | $ 12,480,000 | $ 180,000 | $ 145,000 |
| BAKERSFIELD, CA | 67 | $ 13,653,000 | $ 203,000 | $ 77,000 |
| LINCOLN, NE | 67 | $ 9,918,000 | $ 148,000 | $ 63,000 |
| MERCED, CA | 65 | $ 13,521,000 | $ 208,000 | $ 136,000 |
| GREELEY, CO | 64 | $ 20,086,000 | $ 313,000 | $ 96,000 |
| TACOMA-LAKEWOOD, WA | 64 | $ 15,939,000 | $ 249,000 | $ 35,000 |
| FARGO, ND-MN | 62 | $ 8,702,000 | $ 128,000 | $ 42,500 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 58 | $ 18,628,000 | $ 553,000 | $ 50,500 |
| FORT COLLINS, CO | 53 | $ 16,086,000 | $ 303,000 | $ 138,000 |
| CHICO, CA | 49 | $ 7,337,000 | $ 149,000 | $ 77,000 |
| TULSA, OK | 48 | $ 11,564,000 | $ 240,000 | $ 117,000 |
| CHEYENNE, WY | 39 | $ 6,713,000 | $ 172,000 | $ 70,000 |
| HANFORD-CORCORAN, CA | 39 | $ 5,302,000 | $ 135,000 | $ 79,000 |
| GRAND JUNCTION, CO | 38 | $ 7,727,000 | $ 203,000 | $ 108,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 37 | $ 5,161,000 | $ 139,000 | $ 0 |
| SAN LUIS OBISPO-PASO ROBLES-ARROYO GRANDE, CA | 34 | $ 16,395,000 | $ 482,000 | $ 175,000 |
| KENNEWICK-RICHLAND, WA | 30 | $ 7,219,000 | $ 240,000 | $ 68,000 |
| BREMERTON-SILVERDALE, WA | 29 | $ 6,481,000 | $ 223,000 | $ 12,000 |
| CARSON CITY, NV | 28 | $ 4,713,000 | $ 168,000 | $ 36,000 |
| PROVO-OREM, UT | 27 | $ 17,843,000 | $ 660,000 | $ 138,000 |
| BEND-REDMOND, OR | 25 | $ 8,803,000 | $ 352,000 | $ 260,000 |
| CEDAR RAPIDS, IA | 25 | $ 8,553,000 | $ 342,000 | $ 78,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 24 | $ 7,187,000 | $ 299,000 | $ 11,000 |
| CASPER, WY | 21 | $ 2,463,000 | $ 117,000 | $ 74,000 |
| YAKIMA, WA | 20 | $ 4,872,000 | $ 243,000 | $ 92,000 |
| GRAND ISLAND, NE | 17 | $ 1,804,000 | $ 106,000 | $ 79,000 |
| JACKSONVILLE, FL | 17 | $ 2,464,000 | $ 144,000 | $ 0 |
| YUBA CITY, CA | 17 | $ 9,907,000 | $ 582,000 | $ 77,000 |
| AMES, IA | 16 | $ 6,567,000 | $ 410,000 | $ 82,000 |
| FLAGSTAFF, AZ | 16 | $ 2,144,000 | $ 134,000 | $ 67,000 |
| PRESCOTT, AZ | 14 | $ 2,028,000 | $ 144,000 | $ 54,000 |
| SPOKANE-SPOKANE VALLEY, WA | 13 | $ 6,058,000 | $ 466,000 | $ 37,000 |
| LAKE HAVASU CITY-KINGMAN, AZ | 12 | $ 9,670,000 | $ 805,000 | $ 156,000 |
| ST. CLOUD, MN | 11 | $ 1,715,000 | $ 155,000 | $ 65,000 |
| PORT ST. LUCIE, FL | 9 | $ 1,235,000 | $ 137,000 | $ 0 |
| PUEBLO, CO | 9 | $ 1,796,000 | $ 199,000 | $ 66,000 |
| REDDING, CA | 9 | $ 3,231,000 | $ 359,000 | $ 175,000 |
| SALEM, OR | 8 | $ 3,418,000 | $ 427,000 | $ 102,000 |
| ST. GEORGE, UT | 8 | $ 4,326,000 | $ 540,000 | $ 153,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 8 | $ 1,318,000 | $ 164,000 | $ 0 |
| BELLINGHAM, WA | 7 | $ 2,641,000 | $ 377,000 | $ 270,000 |
| LA CROSSE-ONALASKA, WI-MN | 7 | $ 3,599,000 | $ 1,591,500 | $ 29,500 |
| MADERA, CA | 7 | $ 1,995,000 | $ 285,000 | $ 97,000 |
| SIOUX CITY, IA-NE-SD | 7 | $ 2,223,000 | $ 337,000 | $ 70,333 |
| SIOUX FALLS, SD | 7 | $ 787,000 | $ 112,000 | $ 55,000 |
| CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL | 6 | $ 1,947,000 | $ 324,000 | $ 0 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 6 | $ 900,000 | $ 150,000 | $ 0 |
| MEDFORD, OR | 6 | $ 2,078,000 | $ 346,000 | $ 175,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 6 | $ 1,255,000 | $ 209,000 | $ 0 |
| ROCHESTER, MN | 6 | $ 495,000 | $ 82,000 | $ 60,000 |
| SANTA FE, NM | 6 | $ 2,459,000 | $ 409,000 | $ 64,000 |
| GRANTS PASS, OR | 5 | $ 1,389,000 | $ 277,000 | $ 110,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 5 | $ 12,458,000 | $ 2,491,000 | $ 0 |
| COEUR D'ALENE, ID | 4 | $ 1,007,000 | $ 251,000 | $ 85,000 |
| LONGVIEW, WA | 3 | $ 1,245,000 | $ 415,000 | $ 77,000 |
| MADISON, WI | 3 | $ 1,685,000 | $ 561,000 | $ 0 |
| MOUNT VERNON-ANACORTES, WA | 3 | $ 1,622,000 | $ 540,000 | $ 53,000 |
| OLYMPIA-TUMWATER, WA | 3 | $ 3,080,000 | $ 1,026,000 | $ 22,000 |
| ST. JOSEPH, MO-KS | 3 | $ 319,000 | $ 106,000 | $ 56,000 |
| TOPEKA, KS | 3 | $ 210,000 | $ 70,000 | $ 67,000 |
| ALBANY, OR | 2 | $ 312,000 | $ 156,000 | $ 47,000 |
| BISMARCK, ND | 2 | $ 385,000 | $ 192,000 | $ 124,000 |
| DAVENPORT-MOLINE-ROCK ISLAND, IA-IL | 2 | $ 184,000 | $ 92,000 | $ 31,000 |
| EUGENE, OR | 2 | $ 539,000 | $ 269,000 | $ 63,000 |
| GRAND FORKS, ND-MN | 2 | $ 3,603,000 | $ 1,801,000 | $ 0 |
| IDAHO FALLS, ID | 2 | $ 2,883,000 | $ 1,441,000 | $ 12,000 |
| IOWA CITY, IA | 2 | $ 88,000 | $ 44,000 | $ 37,000 |
| RAPID CITY, SD | 2 | $ 461,000 | $ 230,000 | $ 222,000 |
| SIERRA VISTA-DOUGLAS, AZ | 2 | $ 334,000 | $ 167,000 | $ 42,000 |
| ST. LOUIS, MO-IL | 2 | $ 1,101,000 | $ 550,000 | $ 137,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 1 | $ 1,300,000 | $ 1,300,000 | $ 0 |
| BILLINGS, MT | 1 | $ 10,000 | $ 10,000 | $ 27,000 |
| BROWNSVILLE-HARLINGEN, TX | 1 | $ 2,100,000 | $ 2,100,000 | $ 0 |
| COLUMBUS, OH | 1 | $ 100,000 | $ 100,000 | $ 132,000 |
| DULUTH, MN-WI | 1 | $ 130,000 | $ 130,000 | $ 108,000 |
| FARMINGTON, NM | 1 | $ 194,000 | $ 194,000 | $ 73,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 1 | $ 655,000 | $ 655,000 | $ 0 |
| LAKELAND-WINTER HAVEN, FL | 1 | $ 124,000 | $ 124,000 | $ 0 |
| LAWTON, OK | 1 | $ 115,000 | $ 115,000 | $ 165,000 |
| LOGAN, UT-ID | 1 | $ 112,000 | $ 112,000 | $ 0 |
| LUBBOCK, TX | 1 | $ 251,000 | $ 251,000 | $ 0 |
| MANHATTAN, KS | 1 | $ 152,000 | $ 152,000 | $ 61,000 |
| MCALLEN-EDINBURG-MISSION, TX | 1 | $ 195,000 | $ 195,000 | $ 0 |
| NEW ORLEANS-METAIRIE, LA | 1 | $ 10,000 | $ 10,000 | $ 37,000 |
| NEW YORK-JERSEY CITY-WHITE PLAINS, NY-NJ | 1 | $ 1,025,000 | $ 1,025,000 | $ 1,200,000 |
| PITTSBURGH, PA | 1 | $ 147,000 | $ 147,000 | $ 0 |
| WARNER ROBINS, GA | 1 | $ 3,820,000 | $ 3,820,000 | $ 0 |
| WARREN-TROY-FARMINGTON HILLS, MI | 1 | $ 163,000 | $ 163,000 | $ 0 |
| WATERLOO-CEDAR FALLS, IA | 1 | $ 2,000 | $ 2,000 | $ 18,000 |
| WENATCHEE, WA | 1 | $ 5,000 | $ 5,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Bank Of The West in 2016
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 7,663 | $3,010,900,000 | $392,000 | $33,500,000 | $111,000 | $5,494,000 |
| Refinancing | 7,182 | $3,539,359,000 | $492,000 | $19,000,000 | $167,000 | $7,600,000 |
| Home Improvement | 2,073 | $514,459,000 | $248,000 | $12,000,000 | $105,000 | $2,558,000 |
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 | 8,788 | $3,706,665,000 | $421,000 | $9,400,000 | $172,000 | $7,600,000 |
| Not applicable | 3,310 | $1,273,588,000 | $384,000 | $33,500,000 | $0 | $0 |
| Asian | 1,661 | $983,910,000 | $592,000 | $13,561,000 | $196,000 | $5,156,000 |
| Hispanic | 1,661 | $444,087,000 | $267,000 | $2,737,000 | $108,000 | $4,200,000 |
| Not Provided | 1,056 | $524,633,000 | $496,000 | $3,600,000 | $195,000 | $2,737,000 |
| Black or African American | 275 | $81,546,000 | $296,000 | $2,100,000 | $105,000 | $1,944,000 |
| Native Hawaiin or Other Pacific Islander | 86 | $33,966,000 | $394,000 | $1,447,000 | $133,000 | $662,000 |
| American Indian or Alaskan Native | 81 | $16,323,000 | $201,000 | $4,000,000 | $116,000 | $970,000 |
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) | 16,179 | $6,928,029,000 | $428,000 | $33,500,000 | $137,000 | $7,600,000 |
| FHA-insured (Federal Housing Administration) | 539 | $100,897,000 | $187,000 | $636,000 | $65,000 | $233,000 |
| VA-guaranteed (Veterans Administration) | 166 | $31,403,000 | $189,000 | $626,000 | $66,000 | $372,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $4,389,000 | $129,000 | $444,000 | $36,000 | $80,000 |
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 | 10,128 | $4,052,279,000 | $400,000 | $13,561,000 | $128,000 | $7,600,000 |
| Application Denied By Financial Institution | 3,028 | $1,249,844,000 | $412,000 | $19,000,000 | $113,000 | $2,558,000 |
| Application Withdrawn By Applicant | 2,168 | $968,195,000 | $446,000 | $33,500,000 | $164,000 | $4,724,000 |
| Application Approved But Not Accepted | 962 | $483,785,000 | $502,000 | $12,000,000 | $154,000 | $3,096,000 |
| File Closed For Incompleteness | 567 | $301,382,000 | $531,000 | $4,900,000 | $217,000 | $4,691,000 |
| Loan Purchased By The Institution | 65 | $9,233,000 | $142,000 | $606,000 | $61,000 | $309,000 |
| 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 | 1,084 | $576,884,000 | $532,000 | $11,517,000 | $79,000 | $1,024,000 |
| Credit History | 744 | $112,077,000 | $150,000 | $4,000,000 | $95,000 | $1,704,000 |
| Credit Application Incomplete | 557 | $251,504,000 | $451,000 | $15,000,000 | $156,000 | $2,558,000 |
| Collateral | 314 | $156,469,000 | $498,000 | $19,000,000 | $174,000 | $2,144,000 |
| Unverifiable Information | 114 | $48,504,000 | $425,000 | $2,093,000 | $170,000 | $1,113,000 |
| Other | 102 | $56,228,000 | $551,000 | $3,600,000 | $122,000 | $1,000,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 65 | $34,085,000 | $524,000 | $1,500,000 | $164,000 | $1,251,000 |
| Employment History | 47 | $13,759,000 | $292,000 | $1,920,000 | $54,000 | $350,000 |
| Mortgage Insurance Denied | 1 | $334,000 | $334,000 | $334,000 | $101,000 | $101,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The West's 2016 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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with aggregated HMDA statistics today.