Bank of the West Mortgage Lending & HMDA Data, 2020
In 2020, Bank of the West of San Francisco, CA reported 29,634 mortgage applications totaling $10.1 billion, down 3% from 2019. The average application was for $340,411, and applicants reported an average income of $178,244. 50% of its applications resulted in an originated loan and 30% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (4,211), Oakland-Hayward-Berkeley, CA (2,484) and Denver-Aurora-Lakewood, CO (1,994) (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 | 29,634 |
| Total Mortgage Loan Application Amount | $10,087,750,000 |
| Average Mortgage Loan Application Amount | $340,411 |
| Highest Mortgage Loan Application Amount | $20,005,000 |
| Average Applicant Income | $178,244 |
| Highest Applicant Income | $9,151,000 |
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Act (HMDA) records Bank of the West filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,211 | $ 1,922,335,000 | $ 456,503 | $ 222,000 |
| Outside any metro area | 3,272 | $ 626,060,000 | $ 191,338 | $ 115,427 |
| Oakland-Hayward-Berkeley, CA | 2,484 | $ 1,014,390,000 | $ 408,369 | $ 193,000 |
| Denver-Aurora-Lakewood, CO | 1,994 | $ 570,960,000 | $ 286,339 | $ 132,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1,564 | $ 939,560,000 | $ 600,741 | $ 271,000 |
| Anaheim-Santa Ana-Irvine, CA | 1,403 | $ 690,115,000 | $ 491,885 | $ 257,000 |
| San Francisco-Redwood City-South San Francisco, CA | 993 | $ 663,225,000 | $ 667,900 | $ 282,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 948 | $ 312,690,000 | $ 329,841 | $ 200,000 |
| Omaha-Council Bluffs, NE-IA | 726 | $ 100,870,000 | $ 138,939 | $ 110,030 |
| Riverside-San Bernardino-Ontario, CA | 712 | $ 202,780,000 | $ 284,803 | $ 174,000 |
| Stockton-Lodi, CA | 706 | $ 173,610,000 | $ 245,906 | $ 136,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 671 | $ 232,415,000 | $ 346,371 | $ 178,499 |
| Modesto, CA | 622 | $ 139,420,000 | $ 224,147 | $ 118,000 |
| Kansas City, MO-KS | 583 | $ 102,815,000 | $ 176,355 | $ 106,584 |
| Albuquerque, NM | 574 | $ 94,750,000 | $ 165,069 | $ 112,000 |
| Phoenix-Mesa-Scottsdale, AZ | 486 | $ 129,890,000 | $ 267,263 | $ 148,000 |
| Santa Rosa, CA | 429 | $ 151,235,000 | $ 352,529 | $ 163,000 |
| Des Moines-West Des Moines, IA | 421 | $ 60,945,000 | $ 144,762 | $ 89,000 |
| Las Vegas-Henderson-Paradise, NV | 393 | $ 116,335,000 | $ 296,017 | $ 181,000 |
| Fresno, CA | 320 | $ 69,880,000 | $ 218,375 | $ 124,000 |
| San Diego-Carlsbad, CA | 312 | $ 138,760,000 | $ 444,743 | $ 241,000 |
| Tucson, AZ | 309 | $ 74,315,000 | $ 240,501 | $ 113,000 |
| Santa Cruz-Watsonville, CA | 268 | $ 100,990,000 | $ 376,828 | $ 212,000 |
| Wichita, KS | 261 | $ 30,805,000 | $ 118,026 | $ 81,000 |
| Vallejo-Fairfield, CA | 256 | $ 64,960,000 | $ 253,750 | $ 134,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 254 | $ 88,590,000 | $ 348,779 | $ 204,000 |
| Boise City, ID | 225 | $ 45,615,000 | $ 202,733 | $ 182,000 |
| Boulder, CO | 221 | $ 87,645,000 | $ 396,583 | $ 174,000 |
| San Rafael, CA | 176 | $ 102,240,000 | $ 580,909 | $ 278,000 |
| Reno, NV | 158 | $ 42,370,000 | $ 268,164 | $ 177,000 |
| Visalia-Porterville, CA | 158 | $ 25,410,000 | $ 160,822 | $ 97,000 |
| Santa Maria-Santa Barbara, CA | 156 | $ 83,500,000 | $ 535,256 | $ 253,000 |
| Bakersfield, CA | 149 | $ 32,045,000 | $ 215,067 | $ 129,000 |
| Salinas, CA | 146 | $ 68,940,000 | $ 472,191 | $ 197,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 124 | $ 28,460,000 | $ 229,516 | $ 139,000 |
| Grand Junction, CO | 122 | $ 27,070,000 | $ 221,885 | $ 81,000 |
| Lincoln, NE | 122 | $ 14,200,000 | $ 116,393 | $ 85,000 |
| Fort Collins, CO | 121 | $ 28,485,000 | $ 235,413 | $ 118,000 |
| Napa, CA | 121 | $ 46,235,000 | $ 382,107 | $ 230,000 |
| Seattle-Bellevue-Everett, WA | 120 | $ 64,030,000 | $ 533,583 | $ 199,000 |
| Cedar Rapids, IA | 112 | $ 10,200,000 | $ 91,071 | $ 79,000 |
| Oklahoma City, OK | 105 | $ 28,325,000 | $ 269,761 | $ 207,000 |
| Greeley, CO | 99 | $ 21,845,000 | $ 220,656 | $ 100,000 |
| Las Cruces, NM | 98 | $ 9,910,000 | $ 101,122 | $ 84,000 |
| Salt Lake City, UT | 88 | $ 30,030,000 | $ 341,250 | $ 166,000 |
| Cheyenne, WY | 83 | $ 13,755,000 | $ 165,722 | $ 100,000 |
| Chico, CA | 79 | $ 17,355,000 | $ 219,683 | $ 116,000 |
| Merced, CA | 72 | $ 19,870,000 | $ 275,972 | $ 116,000 |
| Hanford-Corcoran, CA | 66 | $ 10,860,000 | $ 164,545 | $ 94,000 |
| Fargo, ND-MN | 65 | $ 12,055,000 | $ 185,461 | $ 101,200 |
| Kennewick-Richland, WA | 62 | $ 12,400,000 | $ 200,000 | $ 111,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 55 | $ 26,485,000 | $ 481,545 | $ 314,000 |
| Tulsa, OK | 50 | $ 5,590,000 | $ 111,800 | $ 125,000 |
| Austin-Round Rock, TX | 44 | $ 11,070,000 | $ 251,590 | $ 0 |
| Casper, WY | 43 | $ 7,325,000 | $ 170,348 | $ 85,000 |
| Atlanta-Sandy Springs-Roswell, GA | 42 | $ 6,660,000 | $ 158,571 | $ 0 |
| Ames, IA | 41 | $ 3,815,000 | $ 93,048 | $ 73,000 |
| Colorado Springs, CO | 40 | $ 14,050,000 | $ 351,250 | $ 144,000 |
| Dallas-Plano-Irving, TX | 37 | $ 44,195,000 | $ 1,194,459 | $ 0 |
| Flagstaff, AZ | 36 | $ 8,220,000 | $ 228,333 | $ 187,000 |
| Houston-The Woodlands-Sugar Land, TX | 36 | $ 5,260,000 | $ 146,111 | $ 0 |
| Enid, OK | 35 | $ 2,725,000 | $ 77,857 | $ 64,000 |
| Prescott Valley-Prescott, AZ | 34 | $ 5,720,000 | $ 168,235 | $ 71,000 |
| Ogden-Clearfield, UT | 31 | $ 9,165,000 | $ 295,645 | $ 465,000 |
| Chicago-Naperville, IL | 29 | $ 17,825,000 | $ 614,655 | $ 0 |
| Madera, CA | 29 | $ 4,585,000 | $ 158,103 | $ 85,000 |
| Tacoma-Lakewood, WA | 29 | $ 9,755,000 | $ 336,379 | $ 177,000 |
| Clarksville, TN-KY | 28 | $ 3,440,000 | $ 122,857 | $ 0 |
| Provo-Orem, UT | 28 | $ 10,890,000 | $ 388,928 | $ 217,000 |
| Yuba City, CA | 27 | $ 11,235,000 | $ 416,111 | $ 138,000 |
| Carson City, NV | 26 | $ 6,280,000 | $ 241,538 | $ 69,000 |
| Fort Worth-Arlington, TX | 26 | $ 4,630,000 | $ 178,076 | $ 0 |
| Santa Fe, NM | 26 | $ 5,750,000 | $ 221,153 | $ 153,000 |
| Grand Island, NE | 25 | $ 1,915,000 | $ 76,600 | $ 61,000 |
| St. Louis, MO-IL | 25 | $ 7,015,000 | $ 280,600 | $ 149,000 |
| Bend-Redmond, OR | 24 | $ 12,050,000 | $ 502,083 | $ 456,000 |
| St. Cloud, MN | 24 | $ 3,170,000 | $ 132,083 | $ 102,000 |
| Sioux City, IA-NE-SD | 23 | $ 2,825,000 | $ 122,826 | $ 82,652 |
| Milwaukee-Waukesha-West Allis, WI | 22 | $ 8,580,000 | $ 390,000 | $ 102,000 |
| Yakima, WA | 21 | $ 4,105,000 | $ 195,476 | $ 82,000 |
| La Crosse-Onalaska, WI-MN | 20 | $ 1,820,000 | $ 91,000 | $ 82,400 |
| Salem, OR | 20 | $ 4,960,000 | $ 248,000 | $ 158,000 |
| Tampa-St. Petersburg-Clearwater, FL | 20 | $ 5,430,000 | $ 271,500 | $ 0 |
| San Antonio-New Braunfels, TX | 19 | $ 2,165,000 | $ 113,947 | $ 0 |
| Lake Havasu City-Kingman, AZ | 18 | $ 6,230,000 | $ 346,111 | $ 344,000 |
| Pueblo, CO | 18 | $ 4,270,000 | $ 237,222 | $ 62,000 |
| Rochester, MN | 17 | $ 1,025,000 | $ 60,294 | $ 65,000 |
| El Paso, TX | 14 | $ 1,500,000 | $ 107,142 | $ 0 |
| Sioux Falls, SD | 14 | $ 2,510,000 | $ 179,285 | $ 136,000 |
| Spokane-Spokane Valley, WA | 14 | $ 9,130,000 | $ 652,142 | $ 227,000 |
| Iowa City, IA | 13 | $ 1,615,000 | $ 124,230 | $ 63,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 13 | $ 2,015,000 | $ 155,000 | $ 0 |
| Jacksonville, FL | 12 | $ 1,850,000 | $ 154,166 | $ 0 |
| McAllen-Edinburg-Mission, TX | 11 | $ 2,955,000 | $ 268,636 | $ 0 |
| Olympia-Tumwater, WA | 11 | $ 2,155,000 | $ 195,909 | $ 182,000 |
| Bremerton-Silverdale, WA | 10 | $ 2,690,000 | $ 269,000 | $ 1,307,000 |
| Duluth, MN-WI | 10 | $ 1,330,000 | $ 133,000 | $ 53,800 |
| Idaho Falls, ID | 10 | $ 1,020,000 | $ 102,000 | $ 128,000 |
| Pocatello, ID | 10 | $ 810,000 | $ 81,000 | $ 0 |
| St. George, UT | 10 | $ 2,870,000 | $ 287,000 | $ 122,000 |
| Lawrence, KS | 9 | $ 1,215,000 | $ 135,000 | $ 119,000 |
| Savannah, GA | 9 | $ 955,000 | $ 106,111 | $ 0 |
| Columbia, SC | 8 | $ 1,120,000 | $ 140,000 | $ 0 |
| Corvallis, OR | 8 | $ 1,720,000 | $ 215,000 | $ 220,000 |
| Sierra Vista-Douglas, AZ | 8 | $ 1,420,000 | $ 177,500 | $ 95,000 |
| Twin Falls, ID | 8 | $ 770,000 | $ 96,250 | $ 0 |
| Eugene, OR | 7 | $ 1,345,000 | $ 192,142 | $ 82,000 |
| New York-Jersey City-White Plains, NY-NJ | 7 | $ 3,665,000 | $ 523,571 | $ 329,000 |
| Orlando-Kissimmee-Sanford, FL | 7 | $ 1,445,000 | $ 206,428 | $ 0 |
| Topeka, KS | 7 | $ 375,000 | $ 53,571 | $ 63,000 |
| Mount Vernon-Anacortes, WA | 6 | $ 1,810,000 | $ 301,666 | $ 70,000 |
| Bellingham, WA | 5 | $ 1,935,000 | $ 387,000 | $ 182,000 |
| Logan, UT-ID | 5 | $ 1,745,000 | $ 349,000 | $ 326,000 |
| Medford, OR | 5 | $ 1,875,000 | $ 375,000 | $ 904,000 |
| St. Joseph, MO-KS | 5 | $ 2,485,000 | $ 497,000 | $ 105,000 |
| Albany, OR | 4 | $ 750,000 | $ 187,500 | $ 148,000 |
| Anchorage, AK | 4 | $ 520,000 | $ 130,000 | $ 0 |
| Coeur D'Alene, ID | 4 | $ 1,750,000 | $ 437,500 | $ 369,000 |
| Dubuque, IA | 4 | $ 200,000 | $ 50,000 | $ 57,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Janesville-Beloit, WI | 4 | $ 3,060,000 | $ 765,000 | $ 5,000 |
| Longview, WA | 4 | $ 1,830,000 | $ 457,500 | $ 106,000 |
| Redding, CA | 4 | $ 790,000 | $ 197,500 | $ 91,000 |
| Augusta-Richmond County, GA-SC | 3 | $ 195,000 | $ 65,000 | $ 0 |
| Cleveland-Elyria, OH | 3 | $ 695,000 | $ 231,666 | $ 0 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 475,000 | $ 158,333 | $ 0 |
| Elgin, IL | 3 | $ 755,000 | $ 251,666 | $ 0 |
| Fond Du Lac, WI | 3 | $ 825,000 | $ 275,000 | $ 111,000 |
| Waterloo-Cedar Falls, IA | 3 | $ 755,000 | $ 251,666 | $ 51,000 |
| Brownsville-Harlingen, TX | 2 | $ 1,170,000 | $ 585,000 | $ 0 |
| Charleston-North Charleston, SC | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Cincinnati, OH-KY-IN | 2 | $ 4,160,000 | $ 2,080,000 | $ 260,000 |
| Davenport-Moline-Rock Island, IA-IL | 2 | $ 130,000 | $ 65,000 | $ 64,000 |
| Grants Pass, OR | 2 | $ 860,000 | $ 430,000 | $ 109,000 |
| Lake County-Kenosha County, IL-WI | 2 | $ 1,400,000 | $ 700,000 | $ 391,000 |
| Lawton, OK | 2 | $ 3,360,000 | $ 1,680,000 | $ 0 |
| Madison, WI | 2 | $ 370,000 | $ 185,000 | $ 94,000 |
| North Port-Sarasota-Bradenton, FL | 2 | $ 360,000 | $ 180,000 | $ 0 |
| Rapid City, SD | 2 | $ 330,000 | $ 165,000 | $ 64,000 |
| Wenatchee, WA | 2 | $ 620,000 | $ 310,000 | $ 581,000 |
| Bismarck, ND | 1 | $ 335,000 | $ 335,000 | $ 128,000 |
| Chattanooga, TN-GA | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Durham-Chapel Hill, NC | 1 | $ 705,000 | $ 705,000 | $ 0 |
| El Centro, CA | 1 | $ 555,000 | $ 555,000 | $ 0 |
| Elkhart-Goshen, IN | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Grand Forks, ND-MN | 1 | $ 385,000 | $ 385,000 | $ 1,010,000 |
| Green Bay, WI | 1 | $ 895,000 | $ 895,000 | $ 0 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Huntsville, AL | 1 | $ 635,000 | $ 635,000 | $ 0 |
| Killeen-Temple, TX | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Manhattan, KS | 1 | $ 55,000 | $ 55,000 | $ 43,000 |
| Memphis, TN-MS-AR | 1 | $ 1,755,000 | $ 1,755,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 75,000 | $ 75,000 | $ 205,000 |
| Oshkosh-Neenah, WI | 1 | $ 865,000 | $ 865,000 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 10,405,000 | $ 10,405,000 | $ 0 |
Mortgage Loan Application Detail Totals for Bank of the West in 2020
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 | 10,198 | $3,923,810,000 | $384,000 | $13,005,000 | $185,000 | $7,920,000 |
| Home Purchase | 5,253 | $2,526,385,000 | $480,000 | $20,005,000 | $213,000 | $5,195,000 |
| Other Purpose | 5,181 | $1,078,365,000 | $208,000 | $3,505,000 | $185,000 | $9,151,000 |
| Cash-out Refinancing | 4,596 | $1,848,660,000 | $402,000 | $5,005,000 | $146,000 | $8,688,000 |
| Home Improvement | 4,400 | $710,020,000 | $161,000 | $3,505,000 | $147,000 | $3,499,000 |
| Not Applicable | 6 | $510,000 | $85,000 | $165,000 | $48,000 | $76,000 |
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 | 16,682 | $5,145,880,000 | $308,000 | $6,665,000 | $169,000 | $8,688,000 |
| Asian | 3,859 | $1,768,685,000 | $458,000 | $3,995,000 | $226,000 | $9,151,000 |
| Not Provided | 3,006 | $1,211,920,000 | $403,000 | $4,805,000 | $226,000 | $7,920,000 |
| Hispanic | 2,998 | $674,200,000 | $224,000 | $2,415,000 | $121,000 | $2,650,000 |
| Not applicable | 2,115 | $987,415,000 | $466,000 | $20,005,000 | $82,000 | $1,729,000 |
| Black or African American | 520 | $136,190,000 | $261,000 | $2,105,000 | $139,000 | $4,500,000 |
| American Indian or Alaskan Native | 165 | $33,945,000 | $205,000 | $2,805,000 | $125,000 | $864,000 |
| Native Hawaiian or Other Pacific Islander | 84 | $28,240,000 | $336,000 | $2,385,000 | $173,000 | $733,000 |
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) | 28,787 | $9,894,315,000 | $343,000 | $20,005,000 | $179,000 | $9,151,000 |
| FHA-insured (Federal Housing Administration) | 609 | $134,045,000 | $220,000 | $1,375,000 | $70,000 | $500,000 |
| VA-guaranteed (Veterans Administration) | 228 | $58,190,000 | $255,000 | $895,000 | $81,000 | $442,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 10 | $1,200,000 | $120,000 | $215,000 | $45,000 | $65,000 |
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 | 14,955 | $5,221,805,000 | $349,000 | $20,005,000 | $192,000 | $5,195,000 |
| Application Denied By Financial Institution | 8,972 | $2,690,930,000 | $299,000 | $4,805,000 | $149,000 | $8,688,000 |
| Application Withdrawn By Applicant | 5,124 | $1,984,610,000 | $387,000 | $12,595,000 | $193,000 | $9,151,000 |
| Loan Purchased By The Institution | 370 | $101,830,000 | $275,000 | $885,000 | $82,000 | $1,729,000 |
| Application Approved But Not Accepted | 207 | $73,355,000 | $354,000 | $7,105,000 | $142,000 | $656,000 |
| File Closed For Incompleteness | 6 | $15,220,000 | $2,536,000 | $5,605,000 | $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 | 20,662 | $7,396,820,000 | $357,000 | $20,005,000 | $189,000 | $9,151,000 |
| Debt-To-Income Ratio | 3,177 | $959,635,000 | $302,000 | $4,805,000 | $76,000 | $741,000 |
| Credit Application Incomplete | 3,135 | $968,805,000 | $309,000 | $4,105,000 | $197,000 | $8,688,000 |
| Collateral | 807 | $206,705,000 | $256,000 | $3,005,000 | $188,000 | $2,346,000 |
| Other | 797 | $259,595,000 | $325,000 | $4,235,000 | $181,000 | $4,305,000 |
| Credit History | 632 | $145,930,000 | $230,000 | $2,505,000 | $148,000 | $5,110,000 |
| Unverifiable Information | 356 | $125,910,000 | $353,000 | $3,005,000 | $190,000 | $1,463,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 39 | $17,505,000 | $448,000 | $2,605,000 | $123,000 | $511,000 |
| Employment History | 29 | $6,845,000 | $236,000 | $1,225,000 | $159,000 | $960,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank of the West's 2020 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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