Mountain West Financial, Inc. Mortgage Lending & HMDA Data, 2016
In 2016, Mountain West Financial, Inc. of Redlands, CA reported 13,820 mortgage applications totaling $3.6 billion, up 25% from 2015. The average application was for $262,367, and applicants reported an average income of $84,363. 58% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (5,636), Sacramento--Roseville--Arden-Arcade, CA (1,780) and Los Angeles-Long Beach-Glendale, CA (1,268) (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 | 13,820 |
| Total Mortgage Loan Application Amount | $3,625,915,000 |
| Average Mortgage Loan Application Amount | $262,367 |
| Highest Mortgage Loan Application Amount | $2,365,000 |
| Average Applicant Income | $84,363 |
| Highest Applicant Income | $2,199,000 |
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records Mountain West Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 5,636 | $ 1,307,014,000 | $ 231,904 | $ 78,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,780 | $ 443,640,000 | $ 249,235 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 1,268 | $ 413,906,000 | $ 326,424 | $ 89,000 |
| Oakland-Hayward-Berkeley, CA | 466 | $ 164,559,000 | $ 353,130 | $ 101,000 |
| San Diego-Carlsbad, CA | 339 | $ 104,695,000 | $ 308,834 | $ 98,000 |
| Santa Cruz-Watsonville, CA | 333 | $ 138,387,000 | $ 415,576 | $ 119,000 |
| Denver-Aurora-Lakewood, CO | 297 | $ 78,678,000 | $ 264,909 | $ 87,000 |
| Anaheim-Santa Ana-Irvine, CA | 283 | $ 118,889,000 | $ 420,102 | $ 113,000 |
| Bakersfield, CA | 273 | $ 47,709,000 | $ 174,758 | $ 59,000 |
| Seattle-Bellevue-Everett, WA | 247 | $ 76,310,000 | $ 308,947 | $ 107,000 |
| Stockton-Lodi, CA | 245 | $ 52,938,000 | $ 216,073 | $ 71,000 |
| Vallejo-Fairfield, CA | 175 | $ 52,179,000 | $ 298,165 | $ 93,000 |
| Salt Lake City, UT | 170 | $ 39,457,000 | $ 232,100 | $ 70,000 |
| Phoenix-Mesa-Scottsdale, AZ | 157 | $ 33,100,000 | $ 210,828 | $ 69,000 |
| Houston-The Woodlands-Sugar Land, TX | 148 | $ 25,704,000 | $ 173,675 | $ 76,000 |
| Fresno, CA | 116 | $ 21,319,000 | $ 183,784 | $ 73,000 |
| Modesto, CA | 106 | $ 24,418,000 | $ 230,358 | $ 75,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 100 | $ 47,595,000 | $ 475,950 | $ 150,000 |
| Salinas, CA | 82 | $ 28,034,000 | $ 341,878 | $ 96,000 |
| Tacoma-Lakewood, WA | 78 | $ 20,655,000 | $ 264,807 | $ 76,000 |
| Yuba City, CA | 71 | $ 15,081,000 | $ 212,408 | $ 64,000 |
| Grants Pass, OR | 68 | $ 12,660,000 | $ 186,176 | $ 63,000 |
| Reno, NV | 65 | $ 15,281,000 | $ 235,092 | $ 81,000 |
| Provo-Orem, UT | 63 | $ 13,841,000 | $ 219,698 | $ 71,000 |
| Ogden-Clearfield, UT | 58 | $ 11,624,000 | $ 200,413 | $ 70,000 |
| San Francisco-Redwood City-South San Francisco, CA | 57 | $ 34,456,000 | $ 604,491 | $ 169,000 |
| Merced, CA | 55 | $ 10,329,000 | $ 187,800 | $ 60,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 52 | $ 21,944,000 | $ 422,000 | $ 120,000 |
| Greeley, CO | 47 | $ 12,279,000 | $ 261,255 | $ 77,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 47 | $ 14,630,000 | $ 311,276 | $ 114,000 |
| Redding, CA | 46 | $ 8,091,000 | $ 175,891 | $ 56,000 |
| Las Vegas-Henderson-Paradise, NV | 45 | $ 10,975,000 | $ 243,888 | $ 113,000 |
| Santa Rosa, CA | 43 | $ 15,526,000 | $ 361,069 | $ 91,000 |
| Chico, CA | 33 | $ 5,573,000 | $ 168,878 | $ 50,000 |
| Santa Maria-Santa Barbara, CA | 33 | $ 10,950,000 | $ 331,818 | $ 115,000 |
| El Centro, CA | 29 | $ 4,538,000 | $ 156,482 | $ 58,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 27 | $ 6,938,000 | $ 256,962 | $ 72,814 |
| Visalia-Porterville, CA | 26 | $ 4,974,000 | $ 191,307 | $ 63,000 |
| Fort Collins, CO | 22 | $ 5,613,000 | $ 255,136 | $ 102,000 |
| Madera, CA | 22 | $ 5,283,000 | $ 240,136 | $ 106,000 |
| Salem, OR | 16 | $ 2,666,000 | $ 166,625 | $ 47,000 |
| Hanford-Corcoran, CA | 13 | $ 1,702,000 | $ 130,923 | $ 47,000 |
| Medford, OR | 12 | $ 2,928,000 | $ 244,000 | $ 95,000 |
| Eugene, OR | 11 | $ 2,117,000 | $ 192,454 | $ 57,000 |
| Napa, CA | 11 | $ 4,731,000 | $ 430,090 | $ 168,000 |
| Boulder, CO | 9 | $ 3,217,000 | $ 357,444 | $ 117,000 |
| Carson City, NV | 8 | $ 1,839,000 | $ 229,875 | $ 84,000 |
| Lake Havasu City-Kingman, AZ | 7 | $ 1,076,000 | $ 153,714 | $ 50,000 |
| San Rafael, CA | 7 | $ 4,353,000 | $ 621,857 | $ 155,000 |
| Colorado Springs, CO | 6 | $ 1,204,000 | $ 200,666 | $ 64,000 |
| Tucson, AZ | 6 | $ 857,000 | $ 142,833 | $ 31,000 |
| Olympia-Tumwater, WA | 5 | $ 1,185,000 | $ 237,000 | $ 65,000 |
| Bremerton-Silverdale, WA | 4 | $ 942,000 | $ 235,500 | $ 110,000 |
| Dallas-Plano-Irving, TX | 4 | $ 785,000 | $ 196,250 | $ 66,000 |
| Albany, OR | 3 | $ 559,000 | $ 186,333 | $ 63,000 |
| San Antonio-New Braunfels, TX | 3 | $ 402,000 | $ 134,000 | $ 45,000 |
| St. George, UT | 3 | $ 848,000 | $ 282,666 | $ 122,000 |
| Wenatchee, WA | 3 | $ 745,000 | $ 248,333 | $ 84,000 |
| Bend-Redmond, OR | 2 | $ 337,000 | $ 168,500 | $ 57,000 |
| Coeur D'Alene, ID | 2 | $ 798,000 | $ 399,000 | $ 271,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 264,000 | $ 132,000 | $ 28,000 |
| Pueblo, CO | 2 | $ 292,000 | $ 146,000 | $ 61,000 |
| Bellingham, WA | 1 | $ 157,000 | $ 157,000 | $ 52,000 |
| Grand Junction, CO | 1 | $ 183,000 | $ 183,000 | $ 36,000 |
| Kennewick-Richland, WA | 1 | $ 226,000 | $ 226,000 | $ 49,000 |
| Logan, UT-ID | 1 | $ 182,000 | $ 182,000 | $ 90,000 |
| Longview, WA | 1 | $ 183,000 | $ 183,000 | $ 73,000 |
| Spokane-Spokane Valley, WA | 1 | $ 208,000 | $ 208,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for Mountain West Financial, Inc. 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 | 8,377 | $2,094,969,000 | $250,000 | $1,400,000 | $82,000 | $1,808,000 |
| Refinancing | 5,443 | $1,530,946,000 | $281,000 | $2,365,000 | $88,000 | $2,199,000 |
| Home Improvement | 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 | 6,124 | $1,688,176,000 | $275,000 | $2,365,000 | $97,000 | $1,808,000 |
| Hispanic | 5,127 | $1,217,541,000 | $237,000 | $754,000 | $69,000 | $1,200,000 |
| Black or African American | 958 | $239,660,000 | $250,000 | $1,000,000 | $75,000 | $694,000 |
| Asian | 812 | $258,511,000 | $318,000 | $1,110,000 | $96,000 | $480,000 |
| Not Provided | 622 | $175,416,000 | $282,000 | $1,392,000 | $89,000 | $2,199,000 |
| Native Hawaiin or Other Pacific Islander | 126 | $31,004,000 | $246,000 | $588,000 | $83,000 | $451,000 |
| American Indian or Alaskan Native | 51 | $15,607,000 | $306,000 | $674,000 | $104,000 | $271,000 |
| 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) | 7,274 | $1,849,513,000 | $254,000 | $2,365,000 | $100,000 | $2,199,000 |
| FHA-insured (Federal Housing Administration) | 5,722 | $1,520,801,000 | $265,000 | $849,000 | $65,000 | $479,000 |
| VA-guaranteed (Veterans Administration) | 695 | $225,879,000 | $325,000 | $768,000 | $83,000 | $938,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 129 | $29,722,000 | $230,000 | $565,000 | $62,000 | $129,000 |
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 | 8,042 | $2,143,287,000 | $266,000 | $1,400,000 | $86,000 | $938,000 |
| Application Withdrawn By Applicant | 3,010 | $773,866,000 | $257,000 | $1,392,000 | $85,000 | $2,199,000 |
| Application Denied By Financial Institution | 1,263 | $327,870,000 | $259,000 | $2,365,000 | $77,000 | $1,808,000 |
| Application Approved But Not Accepted | 1,204 | $306,420,000 | $254,000 | $981,000 | $85,000 | $1,624,000 |
| Preapproval Denied by Financial Institution | 167 | $41,896,000 | $250,000 | $585,000 | $61,000 | $240,000 |
| File Closed For Incompleteness | 88 | $19,323,000 | $219,000 | $587,000 | $79,000 | $363,000 |
| Preapproval Approved but not Accepted | 46 | $13,253,000 | $288,000 | $636,000 | $71,000 | $177,000 |
| Loan Purchased By The 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 | 398 | $100,966,000 | $253,000 | $1,200,000 | $61,000 | $409,000 |
| Credit History | 159 | $44,010,000 | $276,000 | $845,000 | $80,000 | $281,000 |
| Other | 154 | $39,961,000 | $259,000 | $980,000 | $84,000 | $656,000 |
| Collateral | 111 | $25,956,000 | $233,000 | $790,000 | $80,000 | $294,000 |
| Unverifiable Information | 52 | $17,245,000 | $331,000 | $2,365,000 | $151,000 | $1,808,000 |
| Employment History | 45 | $10,048,000 | $223,000 | $540,000 | $57,000 | $171,000 |
| Credit Application Incomplete | 35 | $10,438,000 | $298,000 | $853,000 | $94,000 | $492,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 33 | $8,261,000 | $250,000 | $828,000 | $66,000 | $204,000 |
| Mortgage Insurance Denied | 3 | $778,000 | $259,000 | $370,000 | $66,000 | $85,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain West Financial, Inc.'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 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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