Bank of the West Mortgage Lending & HMDA Data, 2019

In 2019, Bank of the West of San Francisco, CA reported 30,512 mortgage applications totaling $9.5 billion, down 8% from 2018. The average application was for $310,008, and applicants reported an average income of $161,946. 51% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,831), Oakland-Hayward-Berkeley, CA (2,651) and Denver-Aurora-Lakewood, CO (2,100) (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 30,512
Total Mortgage Loan Application Amount $9,458,970,000
Average Mortgage Loan Application Amount $310,008
Highest Mortgage Loan Application Amount $12,505,000
Average Applicant Income $161,946
Highest Applicant Income $9,000,000

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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Bank of the West by Metropolitan Area in 2019

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 4,831 $ 1,955,165,000 $ 404,712 $ 205,000
Outside any metro area 2,909 $ 483,775,000 $ 166,302 $ 106,055
Oakland-Hayward-Berkeley, CA 2,651 $ 1,030,075,000 $ 388,560 $ 182,000
Denver-Aurora-Lakewood, CO 2,100 $ 546,840,000 $ 260,400 $ 140,000
San Jose-Sunnyvale-Santa Clara, CA 1,694 $ 904,510,000 $ 533,949 $ 207,000
Anaheim-Santa Ana-Irvine, CA 1,376 $ 645,440,000 $ 469,069 $ 229,000
San Francisco-Redwood City-South San Francisco, CA 991 $ 629,615,000 $ 635,332 $ 247,000
Sacramento--Roseville--Arden-Arcade, CA 938 $ 262,560,000 $ 279,914 $ 158,000
Riverside-San Bernardino-Ontario, CA 837 $ 221,065,000 $ 264,115 $ 181,000
Stockton-Lodi, CA 728 $ 143,410,000 $ 196,991 $ 108,000
Omaha-Council Bluffs, NE-IA 696 $ 76,180,000 $ 109,454 $ 103,270
Portland-Vancouver-Hillsboro, OR-WA 688 $ 200,560,000 $ 291,511 $ 143,537
Modesto, CA 623 $ 112,975,000 $ 181,340 $ 107,000
Albuquerque, NM 594 $ 83,890,000 $ 141,228 $ 107,000
Santa Rosa, CA 506 $ 175,280,000 $ 346,403 $ 174,000
Kansas City, MO-KS 494 $ 73,260,000 $ 148,299 $ 104,222
Phoenix-Mesa-Scottsdale, AZ 464 $ 101,900,000 $ 219,612 $ 128,000
Las Vegas-Henderson-Paradise, NV 457 $ 106,355,000 $ 232,724 $ 122,000
San Diego-Carlsbad, CA 438 $ 176,680,000 $ 403,378 $ 225,000
Des Moines-West Des Moines, IA 385 $ 46,015,000 $ 119,519 $ 109,000
Fresno, CA 301 $ 51,085,000 $ 169,717 $ 128,000
Santa Cruz-Watsonville, CA 277 $ 97,695,000 $ 352,689 $ 164,000
Boise City, ID 272 $ 43,160,000 $ 158,676 $ 122,000
Tucson, AZ 256 $ 46,300,000 $ 180,859 $ 107,000
Vallejo-Fairfield, CA 249 $ 61,195,000 $ 245,763 $ 106,000
Oxnard-Thousand Oaks-Ventura, CA 238 $ 67,790,000 $ 284,831 $ 174,000
Wichita, KS 222 $ 24,380,000 $ 109,819 $ 82,000
Visalia-Porterville, CA 193 $ 26,195,000 $ 135,725 $ 104,000
Boulder, CO 188 $ 68,040,000 $ 361,914 $ 153,000
Seattle-Bellevue-Everett, WA 177 $ 81,065,000 $ 457,994 $ 155,000
Reno, NV 169 $ 51,235,000 $ 303,165 $ 179,000
Bakersfield, CA 166 $ 29,170,000 $ 175,722 $ 113,000
Santa Maria-Santa Barbara, CA 151 $ 75,285,000 $ 498,576 $ 268,000
Oklahoma City, OK 149 $ 28,185,000 $ 189,161 $ 114,000
Grand Junction, CO 143 $ 34,025,000 $ 237,937 $ 90,000
Napa, CA 142 $ 51,640,000 $ 363,661 $ 174,000
Lincoln, NE 138 $ 24,080,000 $ 174,492 $ 77,000
Salt Lake City, UT 136 $ 40,730,000 $ 299,485 $ 140,000
San Rafael, CA 134 $ 80,550,000 $ 601,119 $ 282,000
Salinas, CA 129 $ 58,135,000 $ 450,658 $ 267,000
Fort Collins, CO 127 $ 33,785,000 $ 266,023 $ 162,000
Greeley, CO 125 $ 23,035,000 $ 184,280 $ 95,000
Cedar Rapids, IA 116 $ 8,870,000 $ 76,465 $ 70,000
Minneapolis-St. Paul-Bloomington, MN-WI 106 $ 23,150,000 $ 218,396 $ 108,339
Merced, CA 100 $ 17,670,000 $ 176,700 $ 106,000
Las Cruces, NM 96 $ 10,000,000 $ 104,166 $ 80,000
Hanford-Corcoran, CA 90 $ 12,370,000 $ 137,444 $ 101,000
Ames, IA 89 $ 13,525,000 $ 151,966 $ 82,000
Chico, CA 86 $ 12,430,000 $ 144,534 $ 100,000
Cheyenne, WY 56 $ 9,740,000 $ 173,928 $ 184,000
Enid, OK 56 $ 5,150,000 $ 91,964 $ 81,000
Fargo, ND-MN 52 $ 6,440,000 $ 123,846 $ 112,615
Tacoma-Lakewood, WA 50 $ 12,110,000 $ 242,200 $ 121,000
Prescott Valley-Prescott, AZ 46 $ 4,540,000 $ 98,695 $ 50,000
Kennewick-Richland, WA 43 $ 7,735,000 $ 179,883 $ 90,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA 43 $ 17,225,000 $ 400,581 $ 205,000
Bend-Redmond, OR 40 $ 13,980,000 $ 349,500 $ 175,000
Ogden-Clearfield, UT 39 $ 7,315,000 $ 187,564 $ 123,000
Casper, WY 38 $ 5,440,000 $ 143,157 $ 78,000
Carson City, NV 36 $ 5,670,000 $ 157,500 $ 124,000
Tulsa, OK 34 $ 9,490,000 $ 279,117 $ 60,000
Flagstaff, AZ 33 $ 5,025,000 $ 152,272 $ 131,000
Milwaukee-Waukesha-West Allis, WI 33 $ 12,325,000 $ 373,484 $ 219,000
Lake Havasu City-Kingman, AZ 32 $ 5,770,000 $ 180,312 $ 213,000
Colorado Springs, CO 30 $ 7,100,000 $ 236,666 $ 138,000
Chicago-Naperville, IL 29 $ 13,635,000 $ 470,172 $ 0
Clarksville, TN-KY 29 $ 4,135,000 $ 142,586 $ 0
Dallas-Plano-Irving, TX 29 $ 5,255,000 $ 181,206 $ 0
Yuba City, CA 28 $ 4,440,000 $ 158,571 $ 145,000
Iowa City, IA 27 $ 3,925,000 $ 145,370 $ 93,000
Grand Island, NE 23 $ 3,175,000 $ 138,043 $ 80,000
Provo-Orem, UT 23 $ 6,985,000 $ 303,695 $ 190,000
Yakima, WA 22 $ 5,690,000 $ 258,636 $ 134,000
El Paso, TX 21 $ 2,335,000 $ 111,190 $ 0
Rochester, MN 21 $ 1,395,000 $ 66,428 $ 57,000
Salem, OR 21 $ 3,405,000 $ 162,142 $ 110,000
Santa Fe, NM 19 $ 4,105,000 $ 216,052 $ 91,000
La Crosse-Onalaska, WI-MN 17 $ 2,145,000 $ 126,176 $ 99,117
Houston-The Woodlands-Sugar Land, TX 16 $ 4,190,000 $ 261,875 $ 0
New York-Jersey City-White Plains, NY-NJ 16 $ 5,810,000 $ 363,125 $ 132,187
St. Cloud, MN 16 $ 1,940,000 $ 121,250 $ 97,000
Madera, CA 15 $ 2,325,000 $ 155,000 $ 114,000
Anchorage, AK 14 $ 1,650,000 $ 117,857 $ 0
Fort Worth-Arlington, TX 13 $ 2,165,000 $ 166,538 $ 0
Spokane-Spokane Valley, WA 13 $ 11,955,000 $ 919,615 $ 216,000
Atlanta-Sandy Springs-Roswell, GA 12 $ 1,870,000 $ 155,833 $ 0
Eugene, OR 12 $ 2,550,000 $ 212,500 $ 124,000
Sioux City, IA-NE-SD 11 $ 1,775,000 $ 161,363 $ 105,454
Twin Falls, ID 11 $ 1,245,000 $ 113,181 $ 65,000
Bellingham, WA 10 $ 2,510,000 $ 251,000 $ 357,000
Bremerton-Silverdale, WA 10 $ 3,820,000 $ 382,000 $ 376,000
Redding, CA 10 $ 1,190,000 $ 119,000 $ 139,000
Austin-Round Rock, TX 9 $ 2,495,000 $ 277,222 $ 0
Olympia-Tumwater, WA 9 $ 2,805,000 $ 311,666 $ 116,000
Medford, OR 8 $ 2,190,000 $ 273,750 $ 92,000
Pueblo, CO 8 $ 640,000 $ 80,000 $ 32,000
San Antonio-New Braunfels, TX 7 $ 1,085,000 $ 155,000 $ 0
Sioux Falls, SD 7 $ 795,000 $ 113,571 $ 92,000
Albany, OR 6 $ 1,010,000 $ 168,333 $ 81,000
Coeur D'Alene, ID 6 $ 2,050,000 $ 341,666 $ 99,000
Duluth, MN-WI 6 $ 1,330,000 $ 221,666 $ 113,333
St. George, UT 6 $ 1,440,000 $ 240,000 $ 157,000
Hilton Head Island-Bluffton-Beaufort, SC 5 $ 555,000 $ 111,000 $ 0
Idaho Falls, ID 5 $ 495,000 $ 99,000 $ 30,000
Killeen-Temple, TX 5 $ 2,955,000 $ 591,000 $ 0
Lawrence, KS 5 $ 455,000 $ 91,000 $ 85,000
Orlando-Kissimmee-Sanford, FL 5 $ 715,000 $ 143,000 $ 0
Savannah, GA 5 $ 635,000 $ 127,000 $ 0
Jacksonville, FL 4 $ 600,000 $ 150,000 $ 0
Mount Vernon-Anacortes, WA 4 $ 2,050,000 $ 512,500 $ 91,000
Nashville-Davidson--Murfreesboro--Franklin, TN 4 $ 620,000 $ 155,000 $ 0
Pocatello, ID 4 $ 700,000 $ 175,000 $ 0
St. Louis, MO-IL 4 $ 2,110,000 $ 527,500 $ 105,000
Tampa-St. Petersburg-Clearwater, FL 4 $ 480,000 $ 120,000 $ 0
Topeka, KS 4 $ 420,000 $ 105,000 $ 57,000
Walla Walla, WA 4 $ 460,000 $ 115,000 $ 132,000
Bismarck, ND 3 $ 405,000 $ 135,000 $ 88,000
Corvallis, OR 3 $ 675,000 $ 225,000 $ 100,000
Davenport-Moline-Rock Island, IA-IL 3 $ 85,000 $ 28,333 $ 64,000
Longview, WA 3 $ 2,415,000 $ 805,000 $ 0
McAllen-Edinburg-Mission, TX 3 $ 725,000 $ 241,666 $ 0
Memphis, TN-MS-AR 3 $ 945,000 $ 315,000 $ 0
Sierra Vista-Douglas, AZ 3 $ 155,000 $ 51,666 $ 54,000
Springfield, MO 3 $ 535,000 $ 178,333 $ 81,000
St. Joseph, MO-KS 3 $ 255,000 $ 85,000 $ 60,000
Toledo, OH 3 $ 435,000 $ 145,000 $ 0
Cleveland-Elyria, OH 2 $ 530,000 $ 265,000 $ 0
Grants Pass, OR 2 $ 270,000 $ 135,000 $ 40,000
Indianapolis-Carmel-Anderson, IN 2 $ 1,810,000 $ 905,000 $ 0
Syracuse, NY 2 $ 1,300,000 $ 650,000 $ 0
Waterloo-Cedar Falls, IA 2 $ 920,000 $ 460,000 $ 43,000
Wenatchee, WA 2 $ 1,420,000 $ 710,000 $ 245,000
Yuma, AZ 2 $ 50,000 $ 25,000 $ 90,000
Charleston-North Charleston, SC 1 $ 155,000 $ 155,000 $ 0
Cincinnati, OH-KY-IN 1 $ 265,000 $ 265,000 $ 0
College Station-Bryan, TX 1 $ 615,000 $ 615,000 $ 0
Dayton-Springfield-Kettering, OH 1 $ 395,000 $ 395,000 $ 0
Dubuque, IA 1 $ 85,000 $ 85,000 $ 184,000
Elgin, IL 1 $ 885,000 $ 885,000 $ 0
Farmington, NM 1 $ 15,000 $ 15,000 $ 103,000
Fort Smith, AR-OK 1 $ 705,000 $ 705,000 $ 0
Green Bay, WI 1 $ 55,000 $ 55,000 $ 95,000
Joplin, MO 1 $ 165,000 $ 165,000 $ 85,000
Kahului-Wailuku-Lahaina, HI 1 $ 175,000 $ 175,000 $ 0
Kalamazoo-Portage, MI 1 $ 695,000 $ 695,000 $ 0
Lakeland-Winter Haven, FL 1 $ 115,000 $ 115,000 $ 0
Lawton, OK 1 $ 175,000 $ 175,000 $ 113,000
Lewiston, ID-WA 1 $ 255,000 $ 255,000 $ 181,000
Miami-Miami Beach-Kendall, FL 1 $ 285,000 $ 285,000 $ 0
Palm Bay-Melbourne-Titusville, FL 1 $ 95,000 $ 95,000 $ 0
Pittsburgh, PA 1 $ 265,000 $ 265,000 $ 0
Rapid City, SD 1 $ 135,000 $ 135,000 $ 166,000
Warner Robins, GA 1 $ 415,000 $ 415,000 $ 0

Mortgage Loan Application Detail Totals for Bank of the West in 2019

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 8,076 $2,923,210,000 $361,000 $12,505,000 $172,000 $6,894,000
Home Purchase 6,320 $2,752,460,000 $435,000 $12,215,000 $186,000 $5,680,000
Other Purpose 6,292 $1,077,550,000 $171,000 $2,005,000 $153,000 $7,254,000
Home Improvement 5,184 $697,660,000 $134,000 $2,005,000 $139,000 $4,410,000
Cash-out Refinancing 4,615 $2,004,945,000 $434,000 $5,005,000 $150,000 $9,000,000
Not Applicable 25 $3,145,000 $125,000 $305,000 $49,000 $119,000

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 17,082 $4,965,160,000 $290,000 $6,505,000 $161,000 $9,000,000
Asian 4,217 $1,727,145,000 $409,000 $3,505,000 $190,000 $5,680,000
Hispanic 3,579 $767,825,000 $214,000 $3,205,000 $109,000 $7,254,000
Not Provided 3,142 $1,091,430,000 $347,000 $4,925,000 $186,000 $3,234,000
Not applicable 1,413 $603,245,000 $426,000 $12,505,000 $0 $0
Black or African American 568 $131,700,000 $231,000 $1,995,000 $125,000 $1,231,000
American Indian or Alaskan Native 224 $59,670,000 $266,000 $3,505,000 $130,000 $2,386,000
Native Hawaiian or Other Pacific Islander 73 $16,865,000 $231,000 $2,385,000 $143,000 $823,000

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) 29,676 $9,285,190,000 $312,000 $12,505,000 $163,000 $9,000,000
FHA-insured (Federal Housing Administration) 578 $113,840,000 $196,000 $935,000 $70,000 $995,000
VA-guaranteed (Veterans Administration) 247 $58,545,000 $237,000 $905,000 $76,000 $265,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 11 $1,395,000 $126,000 $195,000 $50,000 $75,000

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 15,452 $4,869,800,000 $315,000 $12,215,000 $180,000 $7,254,000
Application Denied By Financial Institution 9,229 $2,494,725,000 $270,000 $6,505,000 $136,000 $6,894,000
Application Withdrawn By Applicant 4,106 $1,616,060,000 $393,000 $12,505,000 $174,000 $9,000,000
Loan Purchased By The Institution 1,489 $401,315,000 $269,000 $955,000 $83,000 $916,000
Application Approved But Not Accepted 236 $77,070,000 $326,000 $3,005,000 $189,000 $4,410,000
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 21,283 $6,964,245,000 $327,000 $12,505,000 $172,000 $9,000,000
Debt-To-Income Ratio 3,826 $1,023,580,000 $267,000 $6,455,000 $81,000 $1,537,000
Credit Application Incomplete 2,504 $784,710,000 $313,000 $6,505,000 $173,000 $3,660,000
Collateral 918 $233,300,000 $254,000 $2,485,000 $169,000 $2,000,000
Credit History 797 $130,425,000 $163,000 $2,705,000 $142,000 $6,894,000
Other 599 $132,595,000 $221,000 $3,205,000 $180,000 $2,400,000
Unverifiable Information 481 $143,455,000 $298,000 $4,005,000 $231,000 $1,579,000
Insufficient Cash (Downpayment, Closing Cost) 67 $37,835,000 $564,000 $3,565,000 $249,000 $1,474,000
Employment History 34 $8,280,000 $243,000 $2,055,000 $124,000 $396,000
Mortgage Insurance Denied 3 $545,000 $181,000 $315,000 $54,000 $81,000

Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2019 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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