Bank of the West Mortgage Lending & HMDA Data, 2018
In 2018, Bank of the West of San Francisco, CA reported 33,042 mortgage applications totaling $9.4 billion, up 113% from 2017. The average application was for $284,788, and applicants reported an average income of $165,338. 56% of its applications resulted in an originated loan and 29% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (5,836), Oakland-Hayward-Berkeley, CA (2,420) and Denver-Aurora-Lakewood, CO (2,355) (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 | 33,042 |
| Total Mortgage Loan Application Amount | $9,409,980,000 |
| Average Mortgage Loan Application Amount | $284,788 |
| Highest Mortgage Loan Application Amount | $6,505,000 |
| Average Applicant Income | $165,338 |
| Highest Applicant Income | $9,380,000 |
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 5,836 | $ 2,093,430,000 | $ 358,709 | $ 193,000 |
| Outside any metro area | 3,087 | $ 538,325,000 | $ 174,384 | $ 108,828 |
| Oakland-Hayward-Berkeley, CA | 2,420 | $ 885,720,000 | $ 366,000 | $ 168,000 |
| Denver-Aurora-Lakewood, CO | 2,355 | $ 526,235,000 | $ 223,454 | $ 128,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,533 | $ 768,425,000 | $ 501,255 | $ 201,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,513 | $ 640,295,000 | $ 423,195 | $ 253,000 |
| Riverside-San Bernardino-Ontario, CA | 1,039 | $ 261,745,000 | $ 251,920 | $ 172,000 |
| San Francisco-Redwood City-South San Francisco, CA | 981 | $ 580,635,000 | $ 591,880 | $ 252,000 |
| Stockton-Lodi, CA | 825 | $ 161,335,000 | $ 195,557 | $ 115,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 816 | $ 218,900,000 | $ 268,259 | $ 164,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 784 | $ 190,150,000 | $ 242,538 | $ 141,091 |
| Modesto, CA | 745 | $ 129,875,000 | $ 174,328 | $ 125,000 |
| Las Vegas-Henderson-Paradise, NV | 694 | $ 141,210,000 | $ 203,472 | $ 168,000 |
| Albuquerque, NM | 619 | $ 77,115,000 | $ 124,579 | $ 94,000 |
| Omaha-Council Bluffs, NE-IA | 583 | $ 74,195,000 | $ 127,264 | $ 101,193 |
| Phoenix-Mesa-Scottsdale, AZ | 568 | $ 114,390,000 | $ 201,390 | $ 121,000 |
| San Diego-Carlsbad, CA | 521 | $ 241,335,000 | $ 463,214 | $ 261,000 |
| Santa Rosa, CA | 489 | $ 145,665,000 | $ 297,883 | $ 147,000 |
| Kansas City, MO-KS | 380 | $ 53,840,000 | $ 141,684 | $ 105,736 |
| Fresno, CA | 338 | $ 60,580,000 | $ 179,230 | $ 128,000 |
| Des Moines-West Des Moines, IA | 320 | $ 38,560,000 | $ 120,500 | $ 101,000 |
| Vallejo-Fairfield, CA | 303 | $ 60,685,000 | $ 200,280 | $ 134,000 |
| Tucson, AZ | 280 | $ 45,810,000 | $ 163,607 | $ 99,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 275 | $ 90,185,000 | $ 327,945 | $ 192,000 |
| Wichita, KS | 275 | $ 25,695,000 | $ 93,436 | $ 108,000 |
| Boise City, ID | 246 | $ 46,510,000 | $ 189,065 | $ 120,000 |
| Santa Cruz-Watsonville, CA | 235 | $ 68,735,000 | $ 292,489 | $ 162,000 |
| Reno, NV | 221 | $ 57,705,000 | $ 261,108 | $ 134,000 |
| Boulder, CO | 208 | $ 63,130,000 | $ 303,509 | $ 162,000 |
| Seattle-Bellevue-Everett, WA | 191 | $ 89,455,000 | $ 468,350 | $ 177,000 |
| Visalia-Porterville, CA | 183 | $ 30,505,000 | $ 166,693 | $ 110,000 |
| Oklahoma City, OK | 176 | $ 19,330,000 | $ 109,829 | $ 87,000 |
| Santa Maria-Santa Barbara, CA | 157 | $ 71,395,000 | $ 454,745 | $ 313,000 |
| Salt Lake City, UT | 152 | $ 37,130,000 | $ 244,276 | $ 159,000 |
| San Rafael, CA | 150 | $ 100,220,000 | $ 668,133 | $ 327,000 |
| Bakersfield, CA | 146 | $ 23,170,000 | $ 158,698 | $ 159,000 |
| Napa, CA | 146 | $ 46,800,000 | $ 320,547 | $ 177,000 |
| Salinas, CA | 140 | $ 49,550,000 | $ 353,928 | $ 192,000 |
| Greeley, CO | 130 | $ 23,500,000 | $ 180,769 | $ 104,000 |
| Lincoln, NE | 127 | $ 14,715,000 | $ 115,866 | $ 76,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 125 | $ 22,375,000 | $ 179,000 | $ 105,472 |
| Fort Collins, CO | 121 | $ 28,435,000 | $ 235,000 | $ 143,000 |
| Chico, CA | 116 | $ 12,460,000 | $ 107,413 | $ 90,000 |
| Grand Junction, CO | 113 | $ 16,285,000 | $ 144,115 | $ 96,000 |
| Tulsa, OK | 110 | $ 11,910,000 | $ 108,272 | $ 119,000 |
| Cedar Rapids, IA | 99 | $ 7,705,000 | $ 77,828 | $ 70,000 |
| Houston-The Woodlands-Sugar Land, TX | 90 | $ 13,370,000 | $ 148,555 | $ 97,000 |
| Tacoma-Lakewood, WA | 85 | $ 22,225,000 | $ 261,470 | $ 187,000 |
| Colorado Springs, CO | 82 | $ 15,950,000 | $ 194,512 | $ 204,000 |
| Las Cruces, NM | 82 | $ 10,090,000 | $ 123,048 | $ 66,000 |
| Ogden-Clearfield, UT | 82 | $ 24,910,000 | $ 303,780 | $ 251,000 |
| Dallas-Plano-Irving, TX | 79 | $ 12,315,000 | $ 155,886 | $ 0 |
| Merced, CA | 78 | $ 15,170,000 | $ 194,487 | $ 150,000 |
| Cheyenne, WY | 74 | $ 9,980,000 | $ 134,864 | $ 115,000 |
| Hanford-Corcoran, CA | 61 | $ 5,965,000 | $ 97,786 | $ 112,000 |
| Spokane-Spokane Valley, WA | 60 | $ 9,360,000 | $ 156,000 | $ 220,000 |
| Fargo, ND-MN | 58 | $ 7,390,000 | $ 127,413 | $ 75,948 |
| Jacksonville, FL | 56 | $ 6,870,000 | $ 122,678 | $ 0 |
| Kennewick-Richland, WA | 55 | $ 10,565,000 | $ 192,090 | $ 94,000 |
| Fort Worth-Arlington, TX | 51 | $ 6,935,000 | $ 135,980 | $ 0 |
| Salem, OR | 51 | $ 9,845,000 | $ 193,039 | $ 122,000 |
| Enid, OK | 45 | $ 3,405,000 | $ 75,666 | $ 165,000 |
| Santa Fe, NM | 44 | $ 9,420,000 | $ 214,090 | $ 172,000 |
| Yuba City, CA | 38 | $ 6,460,000 | $ 170,000 | $ 88,000 |
| Tampa-St. Petersburg-Clearwater, FL | 37 | $ 5,535,000 | $ 149,594 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 36 | $ 15,890,000 | $ 441,388 | $ 298,000 |
| Olympia-Tumwater, WA | 33 | $ 5,745,000 | $ 174,090 | $ 129,000 |
| Anchorage, AK | 32 | $ 4,370,000 | $ 136,562 | $ 0 |
| Provo-Orem, UT | 31 | $ 18,995,000 | $ 612,741 | $ 240,000 |
| San Antonio-New Braunfels, TX | 30 | $ 3,850,000 | $ 128,333 | $ 0 |
| Yakima, WA | 28 | $ 3,490,000 | $ 124,642 | $ 106,000 |
| Austin-Round Rock, TX | 27 | $ 4,385,000 | $ 162,407 | $ 0 |
| Carson City, NV | 27 | $ 5,785,000 | $ 214,259 | $ 96,000 |
| Grand Island, NE | 27 | $ 2,275,000 | $ 84,259 | $ 68,000 |
| Lake Havasu City-Kingman, AZ | 26 | $ 5,100,000 | $ 196,153 | $ 141,000 |
| Prescott, AZ | 26 | $ 4,240,000 | $ 163,076 | $ 83,000 |
| Twin Falls, ID | 26 | $ 2,150,000 | $ 82,692 | $ 100,000 |
| Atlanta-Sandy Springs-Roswell, GA | 23 | $ 2,865,000 | $ 124,565 | $ 0 |
| Madera, CA | 23 | $ 3,285,000 | $ 142,826 | $ 117,000 |
| St. Cloud, MN | 21 | $ 2,595,000 | $ 123,571 | $ 111,000 |
| Pueblo, CO | 20 | $ 2,030,000 | $ 101,500 | $ 93,000 |
| Casper, WY | 19 | $ 2,235,000 | $ 117,631 | $ 104,000 |
| Chicago-Naperville-Arlington Heights, IL | 18 | $ 7,150,000 | $ 397,222 | $ 5,000 |
| Iowa City, IA | 18 | $ 2,030,000 | $ 112,777 | $ 70,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 18 | $ 2,710,000 | $ 150,555 | $ 0 |
| Bend-Redmond, OR | 17 | $ 7,855,000 | $ 462,058 | $ 258,000 |
| Bremerton-Silverdale, WA | 17 | $ 3,665,000 | $ 215,588 | $ 117,000 |
| Clarksville, TN-KY | 17 | $ 1,355,000 | $ 79,705 | $ 0 |
| Flagstaff, AZ | 17 | $ 3,775,000 | $ 222,058 | $ 115,000 |
| Milwaukee-Waukesha-West Allis, WI | 17 | $ 3,575,000 | $ 210,294 | $ 2,321,000 |
| North Port-Sarasota-Bradenton, FL | 17 | $ 2,435,000 | $ 143,235 | $ 0 |
| Orlando-Kissimmee-Sanford, FL | 17 | $ 2,565,000 | $ 150,882 | $ 0 |
| Ames, IA | 15 | $ 1,385,000 | $ 92,333 | $ 79,000 |
| Idaho Falls, ID | 15 | $ 1,735,000 | $ 115,666 | $ 130,000 |
| La Crosse-Onalaska, WI-MN | 15 | $ 2,255,000 | $ 150,333 | $ 80,400 |
| Redding, CA | 15 | $ 2,395,000 | $ 159,666 | $ 112,000 |
| Rochester, MN | 14 | $ 1,310,000 | $ 93,571 | $ 52,000 |
| Savannah, GA | 14 | $ 1,460,000 | $ 104,285 | $ 0 |
| Coeur D'Alene, ID | 13 | $ 3,495,000 | $ 268,846 | $ 377,000 |
| Rocky Mount, NC | 13 | $ 1,695,000 | $ 130,384 | $ 0 |
| El Paso, TX | 12 | $ 1,250,000 | $ 104,166 | $ 0 |
| Eugene, OR | 12 | $ 2,390,000 | $ 199,166 | $ 96,000 |
| Pocatello, ID | 12 | $ 1,050,000 | $ 87,500 | $ 0 |
| Sioux City, IA-NE-SD | 12 | $ 3,940,000 | $ 328,333 | $ 125,333 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 2,265,000 | $ 205,909 | $ 0 |
| Sioux Falls, SD | 8 | $ 1,910,000 | $ 238,750 | $ 77,000 |
| St. Louis, MO-IL | 8 | $ 1,440,000 | $ 180,000 | $ 130,000 |
| Bellingham, WA | 7 | $ 1,665,000 | $ 237,857 | $ 158,000 |
| Lakeland-Winter Haven, FL | 7 | $ 975,000 | $ 139,285 | $ 0 |
| Grants Pass, OR | 6 | $ 2,530,000 | $ 421,666 | $ 435,000 |
| Port St. Lucie, FL | 6 | $ 730,000 | $ 121,666 | $ 0 |
| Racine, WI | 6 | $ 2,400,000 | $ 400,000 | $ 0 |
| St. George, UT | 6 | $ 2,030,000 | $ 338,333 | $ 150,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 1,045,000 | $ 209,000 | $ 0 |
| Longview, WA | 5 | $ 725,000 | $ 145,000 | $ 73,000 |
| New Haven-Milford, CT | 5 | $ 695,000 | $ 139,000 | $ 0 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,115,000 | $ 223,000 | $ 0 |
| Lawrence, KS | 4 | $ 640,000 | $ 160,000 | $ 101,000 |
| Medford, OR | 4 | $ 720,000 | $ 180,000 | $ 106,000 |
| Pittsburgh, PA | 4 | $ 640,000 | $ 160,000 | $ 0 |
| Albany, OR | 3 | $ 1,505,000 | $ 501,666 | $ 120,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 605,000 | $ 201,666 | $ 0 |
| Corvallis, OR | 3 | $ 795,000 | $ 265,000 | $ 216,000 |
| Fort Smith, AR-OK | 3 | $ 345,000 | $ 115,000 | $ 24,000 |
| Grand Forks, ND-MN | 3 | $ 765,000 | $ 255,000 | $ 900,000 |
| Indianapolis-Carmel-Anderson, IN | 3 | $ 1,585,000 | $ 528,333 | $ 0 |
| Logan, UT-ID | 3 | $ 445,000 | $ 148,333 | $ 95,000 |
| McAllen-Edinburg-Mission, TX | 3 | $ 1,215,000 | $ 405,000 | $ 0 |
| Mount Vernon-Anacortes, WA | 3 | $ 365,000 | $ 121,666 | $ 68,000 |
| Springfield, MO | 3 | $ 325,000 | $ 108,333 | $ 43,000 |
| Topeka, KS | 3 | $ 1,205,000 | $ 401,666 | $ 69,000 |
| Walla Walla, WA | 3 | $ 445,000 | $ 148,333 | $ 131,000 |
| Brownsville-Harlingen, TX | 2 | $ 2,040,000 | $ 1,020,000 | $ 0 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 130,000 | $ 65,000 | $ 322,000 |
| Duluth, MN-WI | 2 | $ 220,000 | $ 110,000 | $ 132,500 |
| Farmington, NM | 2 | $ 390,000 | $ 195,000 | $ 58,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 1,000,000 | $ 500,000 | $ 106,000 |
| Rapid City, SD | 2 | $ 110,000 | $ 55,000 | $ 32,000 |
| Wenatchee, WA | 2 | $ 290,000 | $ 145,000 | $ 25,000 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Baltimore-Columbia-Towson, MD | 1 | $ 375,000 | $ 375,000 | $ 160,000 |
| Billings, MT | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Bismarck, ND | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Canton-Massillon, OH | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Champaign-Urbana, IL | 1 | $ 425,000 | $ 425,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Columbia, MO | 1 | $ 125,000 | $ 125,000 | $ 1,085,000 |
| Danville, IL | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Dayton, OH | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| El Centro, CA | 1 | $ 175,000 | $ 175,000 | $ 172,000 |
| Greensboro-High Point, NC | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Kahului-Wailuku-Lahaina, HI | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Lake County-Kenosha County, IL-WI | 1 | $ 465,000 | $ 465,000 | $ 0 |
| Lawton, OK | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Manhattan, KS | 1 | $ 255,000 | $ 255,000 | $ 66,000 |
| Newark, NJ-PA | 1 | $ 65,000 | $ 65,000 | $ 88,000 |
| Oshkosh-Neenah, WI | 1 | $ 245,000 | $ 245,000 | $ 148,000 |
| Rockford, IL | 1 | $ 325,000 | $ 325,000 | $ 0 |
| St. Joseph, MO-KS | 1 | $ 115,000 | $ 115,000 | $ 77,000 |
| Urban Honolulu, HI | 1 | $ 1,505,000 | $ 1,505,000 | $ 0 |
| Waterloo-Cedar Falls, IA | 1 | $ 105,000 | $ 105,000 | $ 25,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 335,000 | $ 335,000 | $ 0 |
| Yuma, AZ | 1 | $ 185,000 | $ 185,000 | $ 31,000 |
Mortgage Loan Application Detail Totals for Bank of the West in 2018
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 | 8,812 | $3,265,980,000 | $370,000 | $5,855,000 | $197,000 | $9,000,000 |
| Other Purpose | 6,888 | $1,308,010,000 | $189,000 | $6,405,000 | $167,000 | $9,380,000 |
| Refinancing | 6,798 | $2,158,510,000 | $317,000 | $6,505,000 | $167,000 | $8,890,000 |
| Home Improvement | 6,262 | $918,620,000 | $146,000 | $2,505,000 | $142,000 | $5,064,000 |
| Cash-out Refinancing | 4,282 | $1,758,860,000 | $410,000 | $5,005,000 | $129,000 | $6,002,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 16,953 | $4,727,245,000 | $278,000 | $6,505,000 | $160,000 | $9,380,000 |
| Not Provided | 3,961 | $1,204,545,000 | $304,000 | $5,905,000 | $181,000 | $9,000,000 |
| Asian | 3,871 | $1,526,795,000 | $394,000 | $5,505,000 | $193,000 | $5,280,000 |
| Not applicable | 3,551 | $872,455,000 | $245,000 | $5,855,000 | $0 | $0 |
| Hispanic | 3,358 | $684,240,000 | $203,000 | $2,985,000 | $115,000 | $5,770,000 |
| Black or African American | 574 | $148,000,000 | $257,000 | $1,655,000 | $126,000 | $4,200,000 |
| American Indian or Alaskan Native | 226 | $45,090,000 | $199,000 | $1,405,000 | $123,000 | $1,611,000 |
| Native Hawaiian or Other Pacific Islander | 98 | $19,770,000 | $201,000 | $935,000 | $132,000 | $488,000 |
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) | 32,283 | $9,262,375,000 | $286,000 | $6,505,000 | $164,000 | $9,380,000 |
| FHA-insured (Federal Housing Administration) | 527 | $100,145,000 | $190,000 | $695,000 | $68,000 | $463,000 |
| VA-guaranteed (Veterans Administration) | 216 | $45,470,000 | $210,000 | $915,000 | $70,000 | $282,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 16 | $1,990,000 | $124,000 | $255,000 | $49,000 | $98,000 |
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 | 18,605 | $5,080,755,000 | $273,000 | $5,855,000 | $180,000 | $9,380,000 |
| Application Denied By Financial Institution | 9,740 | $2,687,950,000 | $275,000 | $6,505,000 | $139,000 | $9,000,000 |
| Application Withdrawn By Applicant | 3,571 | $1,376,815,000 | $385,000 | $6,405,000 | $167,000 | $6,711,000 |
| Loan Purchased By The Institution | 868 | $187,400,000 | $215,000 | $935,000 | $70,000 | $886,000 |
| Application Approved But Not Accepted | 258 | $77,060,000 | $298,000 | $2,495,000 | $163,000 | $919,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 23,302 | $6,722,030,000 | $288,000 | $6,405,000 | $173,000 | $9,380,000 |
| Debt-To-Income Ratio | 4,578 | $1,341,440,000 | $293,000 | $6,505,000 | $91,000 | $1,878,000 |
| Credit History | 1,245 | $194,425,000 | $156,000 | $2,985,000 | $126,000 | $3,820,000 |
| Credit Application Incomplete | 1,198 | $422,800,000 | $352,000 | $4,205,000 | $177,000 | $6,000,000 |
| Unverifiable Information | 1,028 | $265,980,000 | $258,000 | $2,755,000 | $236,000 | $5,938,000 |
| Collateral | 981 | $276,095,000 | $281,000 | $4,005,000 | $192,000 | $2,356,000 |
| Other | 601 | $136,865,000 | $227,000 | $3,105,000 | $192,000 | $9,000,000 |
| Employment History | 54 | $11,110,000 | $205,000 | $1,005,000 | $135,000 | $493,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 53 | $38,435,000 | $725,000 | $2,755,000 | $178,000 | $789,000 |
| Mortgage Insurance Denied | 2 | $800,000 | $400,000 | $645,000 | $126,000 | $146,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2018 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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