Bank of the West Mortgage Lending & HMDA Data, 2016
In 2016, Bank of the West of San Francisco, CA reported 16,918 mortgage applications totaling $7.1 billion, up 20% from 2015. The average application was for $417,585, and applicants reported an average income of $134,037. 60% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (2,010), Denver-Aurora-Lakewood, CO (1,348) and Oakland-Hayward-Berkeley, CA (1,291) (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 | 16,918 |
| Total Mortgage Loan Application Amount | $7,064,718,000 |
| Average Mortgage Loan Application Amount | $417,585 |
| Highest Mortgage Loan Application Amount | $33,500,000 |
| Average Applicant Income | $134,037 |
| Highest Applicant Income | $7,600,000 |
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 2,010 | $ 1,272,936,000 | $ 633,301 | $ 179,000 |
| Denver-Aurora-Lakewood, CO | 1,348 | $ 469,800,000 | $ 348,516 | $ 127,000 |
| Oakland-Hayward-Berkeley, CA | 1,291 | $ 692,113,000 | $ 536,106 | $ 148,000 |
| Las Vegas-Henderson-Paradise, NV | 789 | $ 192,978,000 | $ 244,585 | $ 72,000 |
| Anaheim-Santa Ana-Irvine, CA | 729 | $ 534,417,000 | $ 733,082 | $ 257,000 |
| Riverside-San Bernardino-Ontario, CA | 660 | $ 190,743,000 | $ 289,004 | $ 88,000 |
| San Francisco-Redwood City-South San Francisco, CA | 592 | $ 472,285,000 | $ 797,778 | $ 222,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 588 | $ 397,842,000 | $ 676,602 | $ 230,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 407 | $ 144,401,000 | $ 354,793 | $ 138,000 |
| Omaha-Council Bluffs, NE-IA | 400 | $ 91,806,000 | $ 229,515 | $ 66,710 |
| Modesto, CA | 377 | $ 89,796,000 | $ 238,185 | $ 104,000 |
| San Diego-Carlsbad, CA | 325 | $ 200,079,000 | $ 615,627 | $ 185,000 |
| Stockton-Lodi, CA | 302 | $ 77,067,000 | $ 255,188 | $ 99,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 285 | $ 117,415,000 | $ 411,982 | $ 104,705 |
| Albuquerque, NM | 255 | $ 37,818,000 | $ 148,305 | $ 90,000 |
| Phoenix-Mesa-Scottsdale, AZ | 248 | $ 69,645,000 | $ 280,826 | $ 66,000 |
| Santa Rosa, CA | 248 | $ 126,256,000 | $ 509,096 | $ 186,000 |
| Kansas City, MO-KS | 245 | $ 60,390,000 | $ 246,489 | $ 85,885 |
| San Rafael, CA | 194 | $ 176,575,000 | $ 910,180 | $ 261,000 |
| Des Moines-West Des Moines, IA | 187 | $ 43,066,000 | $ 230,299 | $ 73,000 |
| Boise City, ID | 161 | $ 28,893,000 | $ 179,459 | $ 41,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 158 | $ 84,472,000 | $ 534,632 | $ 167,000 |
| Fresno, CA | 155 | $ 49,096,000 | $ 316,748 | $ 85,000 |
| Wichita, KS | 145 | $ 15,486,000 | $ 106,800 | $ 69,000 |
| Boulder, CO | 141 | $ 57,840,000 | $ 410,212 | $ 135,000 |
| Vallejo-Fairfield, CA | 139 | $ 43,073,000 | $ 309,877 | $ 114,000 |
| Reno, NV | 137 | $ 42,512,000 | $ 310,306 | $ 96,000 |
| Tucson, AZ | 127 | $ 40,895,000 | $ 322,007 | $ 228,000 |
| Salinas, CA | 123 | $ 65,464,000 | $ 532,227 | $ 146,000 |
| Santa Maria-Santa Barbara, CA | 107 | $ 90,136,000 | $ 842,392 | $ 265,000 |
| Seattle-Bellevue-Everett, WA | 104 | $ 40,895,000 | $ 393,221 | $ 62,000 |
| Santa Cruz-Watsonville, CA | 88 | $ 45,554,000 | $ 517,659 | $ 150,000 |
| Napa, CA | 86 | $ 47,365,000 | $ 550,755 | $ 151,000 |
| Ogden-Clearfield, UT | 86 | $ 18,237,000 | $ 212,058 | $ 63,000 |
| Salt Lake City, UT | 86 | $ 37,864,000 | $ 440,279 | $ 77,000 |
| Colorado Springs, CO | 85 | $ 34,043,000 | $ 400,505 | $ 49,000 |
| Oklahoma City, OK | 81 | $ 17,540,000 | $ 216,543 | $ 64,000 |
| Las Cruces, NM | 75 | $ 7,372,000 | $ 98,293 | $ 63,000 |
| Visalia-Porterville, CA | 69 | $ 12,480,000 | $ 180,869 | $ 145,000 |
| Bakersfield, CA | 67 | $ 13,653,000 | $ 203,776 | $ 77,000 |
| Lincoln, NE | 67 | $ 9,918,000 | $ 148,029 | $ 63,000 |
| Merced, CA | 65 | $ 13,521,000 | $ 208,015 | $ 136,000 |
| Greeley, CO | 64 | $ 20,086,000 | $ 313,843 | $ 96,000 |
| Tacoma-Lakewood, WA | 64 | $ 15,939,000 | $ 249,046 | $ 35,000 |
| Fargo, ND-MN | 62 | $ 8,702,000 | $ 140,354 | $ 32,822 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 58 | $ 18,628,000 | $ 321,172 | $ 94,034 |
| Fort Collins, CO | 53 | $ 16,086,000 | $ 303,509 | $ 138,000 |
| Chico, CA | 49 | $ 7,337,000 | $ 149,734 | $ 77,000 |
| Tulsa, OK | 48 | $ 11,564,000 | $ 240,916 | $ 117,000 |
| Cheyenne, WY | 39 | $ 6,713,000 | $ 172,128 | $ 70,000 |
| Hanford-Corcoran, CA | 39 | $ 5,302,000 | $ 135,948 | $ 79,000 |
| Grand Junction, CO | 38 | $ 7,727,000 | $ 203,342 | $ 108,000 |
| Tampa-St. Petersburg-Clearwater, FL | 37 | $ 5,161,000 | $ 139,486 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 34 | $ 16,395,000 | $ 482,205 | $ 175,000 |
| Kennewick-Richland, WA | 30 | $ 7,219,000 | $ 240,633 | $ 68,000 |
| Bremerton-Silverdale, WA | 29 | $ 6,481,000 | $ 223,482 | $ 12,000 |
| Carson City, NV | 28 | $ 4,713,000 | $ 168,321 | $ 36,000 |
| Provo-Orem, UT | 27 | $ 17,843,000 | $ 660,851 | $ 138,000 |
| Bend-Redmond, OR | 25 | $ 8,803,000 | $ 352,120 | $ 260,000 |
| Cedar Rapids, IA | 25 | $ 8,553,000 | $ 342,120 | $ 78,000 |
| Milwaukee-Waukesha-West Allis, WI | 24 | $ 7,187,000 | $ 299,458 | $ 11,000 |
| Casper, WY | 21 | $ 2,463,000 | $ 117,285 | $ 74,000 |
| Yakima, WA | 20 | $ 4,872,000 | $ 243,600 | $ 92,000 |
| Grand Island, NE | 17 | $ 1,804,000 | $ 106,117 | $ 79,000 |
| Jacksonville, FL | 17 | $ 2,464,000 | $ 144,941 | $ 0 |
| Yuba City, CA | 17 | $ 9,907,000 | $ 582,764 | $ 77,000 |
| Ames, IA | 16 | $ 6,567,000 | $ 410,437 | $ 82,000 |
| Flagstaff, AZ | 16 | $ 2,144,000 | $ 134,000 | $ 67,000 |
| Prescott, AZ | 14 | $ 2,028,000 | $ 144,857 | $ 54,000 |
| Spokane-Spokane Valley, WA | 13 | $ 6,058,000 | $ 466,000 | $ 37,000 |
| Lake Havasu City-Kingman, AZ | 12 | $ 9,670,000 | $ 805,833 | $ 156,000 |
| St. Cloud, MN | 11 | $ 1,715,000 | $ 155,909 | $ 65,000 |
| Port St. Lucie, FL | 9 | $ 1,235,000 | $ 137,222 | $ 0 |
| Pueblo, CO | 9 | $ 1,796,000 | $ 199,555 | $ 66,000 |
| Redding, CA | 9 | $ 3,231,000 | $ 359,000 | $ 175,000 |
| Salem, OR | 8 | $ 3,418,000 | $ 427,250 | $ 102,000 |
| St. George, UT | 8 | $ 4,326,000 | $ 540,750 | $ 153,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 8 | $ 1,318,000 | $ 164,750 | $ 0 |
| Bellingham, WA | 7 | $ 2,641,000 | $ 377,285 | $ 270,000 |
| La Crosse-Onalaska, WI-MN | 7 | $ 3,599,000 | $ 514,142 | $ 50,571 |
| Madera, CA | 7 | $ 1,995,000 | $ 285,000 | $ 97,000 |
| Sioux City, IA-NE-SD | 7 | $ 2,223,000 | $ 317,571 | $ 72,714 |
| Sioux Falls, SD | 7 | $ 787,000 | $ 112,428 | $ 55,000 |
| Chicago-Naperville-Arlington Heights, IL | 6 | $ 1,947,000 | $ 324,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 6 | $ 900,000 | $ 150,000 | $ 0 |
| Medford, OR | 6 | $ 2,078,000 | $ 346,333 | $ 175,000 |
| Orlando-Kissimmee-Sanford, FL | 6 | $ 1,255,000 | $ 209,166 | $ 0 |
| Rochester, MN | 6 | $ 495,000 | $ 82,500 | $ 60,000 |
| Santa Fe, NM | 6 | $ 2,459,000 | $ 409,833 | $ 64,000 |
| Grants Pass, OR | 5 | $ 1,389,000 | $ 277,800 | $ 110,000 |
| Miami-Miami Beach-Kendall, FL | 5 | $ 12,458,000 | $ 2,491,600 | $ 0 |
| Coeur D'Alene, ID | 4 | $ 1,007,000 | $ 251,750 | $ 85,000 |
| Longview, WA | 3 | $ 1,245,000 | $ 415,000 | $ 77,000 |
| Madison, WI | 3 | $ 1,685,000 | $ 561,666 | $ 0 |
| Mount Vernon-Anacortes, WA | 3 | $ 1,622,000 | $ 540,666 | $ 53,000 |
| Olympia-Tumwater, WA | 3 | $ 3,080,000 | $ 1,026,666 | $ 22,000 |
| St. Joseph, MO-KS | 3 | $ 319,000 | $ 106,333 | $ 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 | $ 192,500 | $ 124,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 184,000 | $ 92,000 | $ 31,000 |
| Eugene, OR | 2 | $ 539,000 | $ 269,500 | $ 63,000 |
| Grand Forks, ND-MN | 2 | $ 3,603,000 | $ 1,801,500 | $ 0 |
| Idaho Falls, ID | 2 | $ 2,883,000 | $ 1,441,500 | $ 12,000 |
| Iowa City, IA | 2 | $ 88,000 | $ 44,000 | $ 37,000 |
| Rapid City, SD | 2 | $ 461,000 | $ 230,500 | $ 222,000 |
| Sierra Vista-Douglas, AZ | 2 | $ 334,000 | $ 167,000 | $ 42,000 |
| St. Louis, MO-IL | 2 | $ 1,101,000 | $ 550,500 | $ 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.
For a list of all lenders in California, download the full spreadsheet
with aggregated HMDA statistics today.
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