Mountain West Financial, Inc. Mortgage Lending & HMDA Data, 2015
In 2015, Mountain West Financial, Inc. of Redlands, CA reported 11,075 mortgage applications totaling $2.8 billion, up 31% from 2014. The average application was for $255,247, and applicants reported an average income of $74,838. 65% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (4,946), Sacramento--Roseville--Arden-Arcade, CA (1,591) and Los Angeles-Long Beach-Glendale, CA (916) (applications in parentheses).
| Mortgage Company & Address | Mountain West Financial, Inc. 1209 Nevada St. Suite 200 Redlands, CA 92374 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 |
| Total Number of Mortgage Applications | 11,075 |
| Total Mortgage Loan Application Amount | $2,826,868,000 |
| Average Mortgage Loan Application Amount | $255,247 |
| Highest Mortgage Loan Application Amount | $2,438,000 |
| Average Applicant Income | $74,838 |
| Highest Applicant Income | $2,629,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Mountain West Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| San Bernardino, California | 2,732 | $ 617,819,000 | $ 226,141 | $ 71,000 |
| Riverside, California | 2,214 | $ 484,177,000 | $ 218,688 | $ 64,000 |
| Sacramento, California | 1,222 | $ 279,001,000 | $ 228,315 | $ 72,000 |
| Los Angeles, California | 916 | $ 289,957,000 | $ 316,546 | $ 78,000 |
| San Diego, California | 303 | $ 103,203,000 | $ 340,603 | $ 92,000 |
| Orange, California | 294 | $ 113,521,000 | $ 386,125 | $ 108,000 |
| Santa Cruz, California | 290 | $ 115,481,000 | $ 398,210 | $ 112,000 |
| Placer, California | 221 | $ 67,929,000 | $ 307,371 | $ 80,000 |
| Contra Costa, California | 208 | $ 67,643,000 | $ 325,206 | $ 79,000 |
| San Joaquin, California | 163 | $ 37,190,000 | $ 228,159 | $ 67,000 |
| Solano, California | 159 | $ 39,032,000 | $ 245,484 | $ 72,000 |
| Kern, California | 110 | $ 18,389,000 | $ 167,172 | $ 55,000 |
| Alameda, California | 95 | $ 39,588,000 | $ 416,715 | $ 104,000 |
| Adams, Colorado | 90 | $ 20,705,000 | $ 230,055 | $ 70,000 |
| El Dorado, California | 88 | $ 26,935,000 | $ 306,079 | $ 84,000 |
| Stanislaus, California | 86 | $ 16,692,000 | $ 194,093 | $ 63,000 |
| Maricopa, Arizona | 83 | $ 16,484,000 | $ 198,602 | $ 67,000 |
| Monterey, California | 77 | $ 25,599,000 | $ 332,454 | $ 83,000 |
| Ventura, California | 76 | $ 27,885,000 | $ 366,907 | $ 105,000 |
| Jefferson, Colorado | 73 | $ 20,837,000 | $ 285,438 | $ 125,000 |
| Weld, Colorado | 73 | $ 18,209,000 | $ 249,438 | $ 77,000 |
| Fresno, California | 71 | $ 14,271,000 | $ 201,000 | $ 66,000 |
| Santa Clara, California | 69 | $ 33,278,000 | $ 482,289 | $ 117,000 |
| Josephine, Oregon | 69 | $ 12,860,000 | $ 186,376 | $ 59,000 |
| Yolo, California | 60 | $ 14,640,000 | $ 244,000 | $ 82,000 |
| Denver, Colorado | 59 | $ 15,417,000 | $ 261,305 | $ 83,000 |
| Arapahoe, Colorado | 54 | $ 12,316,000 | $ 228,074 | $ 78,000 |
| Lane, Oregon | 54 | $ 9,542,000 | $ 176,703 | $ 59,000 |
| Sonoma, California | 51 | $ 16,732,000 | $ 328,078 | $ 91,000 |
| Larimer, Colorado | 48 | $ 11,939,000 | $ 248,729 | $ 85,000 |
| El Paso, Colorado | 37 | $ 8,679,000 | $ 234,567 | $ 84,000 |
| Santa Barbara, California | 36 | $ 8,441,000 | $ 234,472 | $ 87,000 |
| San Luis Obispo, California | 34 | $ 11,050,000 | $ 325,000 | $ 118,000 |
| Douglas, Colorado | 31 | $ 9,005,000 | $ 290,483 | $ 111,000 |
| Tulare, California | 29 | $ 3,823,000 | $ 131,827 | $ 52,000 |
| Yuba, California | 25 | $ 5,286,000 | $ 211,440 | $ 65,000 |
| Imperial, California | 23 | $ 2,849,000 | $ 123,869 | $ 42,000 |
| Merced, California | 23 | $ 3,728,000 | $ 162,086 | $ 58,000 |
| Boulder, Colorado | 23 | $ 7,651,000 | $ 332,652 | $ 190,000 |
| Calaveras, California | 21 | $ 5,577,000 | $ 265,571 | $ 73,000 |
| Napa, California | 21 | $ 7,936,000 | $ 377,904 | $ 98,000 |
| San Benito, California | 20 | $ 7,285,000 | $ 364,250 | $ 79,000 |
| San Mateo, California | 20 | $ 10,666,000 | $ 533,300 | $ 155,000 |
| King, Washington | 20 | $ 5,243,000 | $ 262,150 | $ 101,000 |
| Sutter, California | 18 | $ 3,884,000 | $ 215,777 | $ 81,000 |
| Butte, California | 17 | $ 2,722,000 | $ 160,117 | $ 61,000 |
| Nevada, California | 17 | $ 5,418,000 | $ 318,705 | $ 107,000 |
| Colusa, California | 14 | $ 3,004,000 | $ 214,571 | $ 56,000 |
| Lake, California | 13 | $ 2,405,000 | $ 185,000 | $ 52,000 |
| Tehama, California | 13 | $ 2,431,000 | $ 187,000 | $ 67,000 |
| Marin, California | 12 | $ 7,216,000 | $ 601,333 | $ 166,000 |
| Shasta, California | 12 | $ 2,270,000 | $ 189,166 | $ 112,000 |
| Jackson, Oregon | 12 | $ 2,464,000 | $ 205,333 | $ 50,000 |
| Snohomish, Washington | 12 | $ 4,218,000 | $ 351,500 | $ 147,000 |
| Broomfield, Colorado | 11 | $ 2,934,000 | $ 266,727 | $ 111,000 |
| San Francisco, California | 9 | $ 4,997,000 | $ 555,222 | $ 168,000 |
| Humboldt, California | 7 | $ 1,396,000 | $ 199,428 | $ 53,000 |
| Kings, California | 7 | $ 1,202,000 | $ 171,714 | $ 78,000 |
| Mendocino, California | 7 | $ 2,106,000 | $ 300,857 | $ 84,000 |
| Tuolumne, California | 7 | $ 1,384,000 | $ 197,714 | $ 111,000 |
| Amador, California | 6 | $ 1,165,000 | $ 194,166 | $ 85,000 |
| Madera, California | 6 | $ 930,000 | $ 155,000 | $ 57,000 |
| Mariposa, California | 6 | $ 1,767,000 | $ 294,500 | $ 70,000 |
| Park, Colorado | 6 | $ 1,189,000 | $ 198,166 | $ 68,000 |
| Pueblo, Colorado | 6 | $ 908,000 | $ 151,333 | $ 55,000 |
| Washoe, Nevada | 6 | $ 1,380,000 | $ 230,000 | $ 73,000 |
| Marion, Oregon | 6 | $ 1,201,000 | $ 200,166 | $ 58,000 |
| Pierce, Washington | 5 | $ 1,630,000 | $ 326,000 | $ 76,000 |
| Mesa, Colorado | 4 | $ 650,000 | $ 162,500 | $ 37,000 |
| Grand, Colorado | 3 | $ 807,000 | $ 269,000 | $ 290,000 |
| Clark, Nevada | 3 | $ 431,000 | $ 143,666 | $ 40,000 |
| Clackamas, Oregon | 3 | $ 1,077,000 | $ 359,000 | $ 98,000 |
| Douglas, Oregon | 3 | $ 378,000 | $ 126,000 | $ 45,000 |
| Linn, Oregon | 3 | $ 490,000 | $ 163,333 | $ 53,000 |
| Island, Washington | 3 | $ 619,000 | $ 206,333 | $ 102,000 |
| Skagit, Washington | 3 | $ 824,000 | $ 274,666 | $ 70,000 |
| Yavapai, Arizona | 2 | $ 341,000 | $ 170,500 | $ 195,000 |
| Lassen, California | 2 | $ 254,000 | $ 127,000 | $ 40,000 |
| Elbert, Colorado | 2 | $ 504,000 | $ 252,000 | $ 54,000 |
| Fremont, Colorado | 2 | $ 322,000 | $ 161,000 | $ 70,000 |
| Prowers, Colorado | 2 | $ 324,000 | $ 162,000 | $ 37,000 |
| Benton, Oregon | 2 | $ 422,000 | $ 211,000 | $ 77,000 |
| Coos, Oregon | 2 | $ 324,000 | $ 162,000 | $ 73,000 |
| Curry, Oregon | 2 | $ 1,279,000 | $ 639,500 | $ 171,000 |
| Coconino, Arizona | 1 | $ 357,000 | $ 357,000 | $ 183,000 |
| Gila, Arizona | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| Pima, Arizona | 1 | $ 146,000 | $ 146,000 | $ 89,000 |
| Del Norte, California | 1 | $ 256,000 | $ 256,000 | $ 0 |
| Glenn, California | 1 | $ 238,000 | $ 238,000 | $ 104,000 |
| Inyo, California | 1 | $ 172,000 | $ 172,000 | $ 126,000 |
| Mono, California | 1 | $ 255,000 | $ 255,000 | $ 95,000 |
| Siskiyou, California | 1 | $ 208,000 | $ 208,000 | $ 104,000 |
| Trinity, California | 1 | $ 208,000 | $ 208,000 | $ 82,000 |
| Clear Creek, Colorado | 1 | $ 130,000 | $ 130,000 | $ 209,000 |
| Custer, Colorado | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Eagle, Colorado | 1 | $ 1,800,000 | $ 1,800,000 | $ 200,000 |
| Garfield, Colorado | 1 | $ 197,000 | $ 197,000 | $ 78,000 |
| Gilpin, Colorado | 1 | $ 233,000 | $ 233,000 | $ 50,000 |
| Gunnison, Colorado | 1 | $ 265,000 | $ 265,000 | $ 245,000 |
| Huerfano, Colorado | 1 | $ 124,000 | $ 124,000 | $ 96,000 |
| Kit Carson, Colorado | 1 | $ 71,000 | $ 71,000 | $ 40,000 |
| Morgan, Colorado | 1 | $ 133,000 | $ 133,000 | $ 76,000 |
| Washington, Colorado | 1 | $ 125,000 | $ 125,000 | $ 89,000 |
| Carson City, Nevada | 1 | $ 142,000 | $ 142,000 | $ 222,000 |
| Douglas, Nevada | 1 | $ 175,000 | $ 175,000 | $ 77,000 |
| Elko, Nevada | 1 | $ 355,000 | $ 355,000 | $ 105,000 |
| Humboldt, Nevada | 1 | $ 263,000 | $ 263,000 | $ 117,000 |
| Multnomah, Oregon | 1 | $ 416,000 | $ 416,000 | $ 164,000 |
| Washington, Oregon | 1 | $ 314,000 | $ 314,000 | $ 62,000 |
| Clark, Washington | 1 | $ 110,000 | $ 110,000 | $ 24,000 |
| Douglas, Washington | 1 | $ 248,000 | $ 248,000 | $ 68,000 |
| Mason, Washington | 1 | $ 128,000 | $ 128,000 | $ 40,000 |
| Spokane, Washington | 1 | $ 417,000 | $ 417,000 | $ 242,000 |
| Thurston, Washington | 1 | $ 241,000 | $ 241,000 | $ 89,000 |
Mortgage Loan Application Detail Totals for Mountain West Financial, Inc. in 2015
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 | 6,381 | $1,569,755,000 | $246,000 | $2,438,000 | $81,000 | $1,200,000 |
| Refinancing | 4,580 | $1,228,688,000 | $268,000 | $1,800,000 | $66,000 | $2,629,000 |
| Home Improvement | 114 | $28,425,000 | $249,000 | $609,000 | $85,000 | $461,000 |
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 | 5,166 | $1,400,768,000 | $271,000 | $2,438,000 | $87,000 | $2,629,000 |
| Hispanic | 4,076 | $940,555,000 | $230,000 | $857,000 | $59,000 | $556,000 |
| Asian | 585 | $170,874,000 | $292,000 | $1,200,000 | $86,000 | $491,000 |
| Black or African American | 573 | $135,573,000 | $236,000 | $875,000 | $67,000 | $459,000 |
| Not Provided | 538 | $140,247,000 | $260,000 | $1,711,000 | $67,000 | $359,000 |
| Native Hawaiian or Other Pacific Islander | 92 | $28,160,000 | $306,000 | $636,000 | $88,000 | $306,000 |
| American Indian or Alaskan Native | 45 | $10,691,000 | $237,000 | $579,000 | $104,000 | $1,200,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 5,300 | $1,312,660,000 | $247,000 | $2,438,000 | $95,000 | $2,629,000 |
| FHA-insured (Federal Housing Administration) | 5,139 | $1,335,740,000 | $259,000 | $984,000 | $54,000 | $1,200,000 |
| VA-guaranteed (Veterans Administration) | 517 | $155,513,000 | $300,000 | $814,000 | $80,000 | $426,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 119 | $22,955,000 | $192,000 | $483,000 | $55,000 | $135,000 |
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 | 7,249 | $1,861,986,000 | $256,000 | $1,369,000 | $75,000 | $1,200,000 |
| Application Withdrawn By Applicant | 1,601 | $399,590,000 | $249,000 | $1,082,000 | $80,000 | $2,629,000 |
| Application Denied By Financial Institution | 1,011 | $265,682,000 | $262,000 | $2,438,000 | $76,000 | $920,000 |
| Application Approved But Not Accepted | 870 | $222,549,000 | $255,000 | $1,711,000 | $77,000 | $1,156,000 |
| Preapproval Denied by Financial Institution | 298 | $65,004,000 | $218,000 | $725,000 | $43,000 | $258,000 |
| File Closed For Incompleteness | 46 | $12,057,000 | $262,000 | $960,000 | $92,000 | $736,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Credit History | 385 | $93,192,000 | $242,000 | $2,438,000 | $58,000 | $920,000 |
| Debt-To-Income Ratio | 279 | $74,415,000 | $266,000 | $1,800,000 | $60,000 | $310,000 |
| Other | 128 | $28,989,000 | $226,000 | $618,000 | $72,000 | $391,000 |
| Collateral | 109 | $27,048,000 | $248,000 | $984,000 | $85,000 | $477,000 |
| Unverifiable Information | 65 | $18,817,000 | $289,000 | $961,000 | $81,000 | $284,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 51 | $13,258,000 | $259,000 | $1,190,000 | $71,000 | $272,000 |
| Employment History | 36 | $9,624,000 | $267,000 | $636,000 | $69,000 | $136,000 |
| Credit Application Incomplete | 26 | $7,594,000 | $292,000 | $604,000 | $72,000 | $170,000 |
| Mortgage Insurance Denied | 3 | $1,327,000 | $442,000 | $722,000 | $122,000 | $176,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain West Financial, Inc.'s 2015 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 Mountain West Financial, Inc.'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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