Mountain West Financial, Inc. Mortgage Lending & HMDA Data, 2017
In 2017, Mountain West Financial, Inc. of Redlands, CA reported 10,862 mortgage applications totaling $2.7 billion, down 21% from 2016. The average application was for $244,546, and applicants reported an average income of $85,331. 58% of its applications resulted in an originated loan and 9% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (4,584), Sacramento--Roseville--Arden-Arcade, CA (1,672) and Los Angeles-Long Beach-Glendale, CA (950) (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 | 10,862 |
| Total Mortgage Loan Application Amount | $2,656,266,000 |
| Average Mortgage Loan Application Amount | $244,546 |
| Highest Mortgage Loan Application Amount | $2,141,000 |
| Average Applicant Income | $85,331 |
| Highest Applicant Income | $2,400,000 |
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records Mountain West Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 4,584 | $ 1,038,955,000 | $ 226,648 | $ 83,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,672 | $ 393,860,000 | $ 235,562 | $ 88,000 |
| Los Angeles-Long Beach-Glendale, CA | 950 | $ 300,434,000 | $ 316,246 | $ 90,000 |
| San Diego-Carlsbad, CA | 309 | $ 95,897,000 | $ 310,346 | $ 103,000 |
| Bakersfield, CA | 298 | $ 45,646,000 | $ 153,174 | $ 56,000 |
| Oakland-Hayward-Berkeley, CA | 263 | $ 78,990,000 | $ 300,342 | $ 94,000 |
| Stockton-Lodi, CA | 240 | $ 43,604,000 | $ 181,683 | $ 71,000 |
| Anaheim-Santa Ana-Irvine, CA | 212 | $ 74,315,000 | $ 350,542 | $ 99,000 |
| Santa Cruz-Watsonville, CA | 195 | $ 79,579,000 | $ 408,097 | $ 116,000 |
| Houston-The Woodlands-Sugar Land, TX | 190 | $ 30,813,000 | $ 162,173 | $ 67,000 |
| Fresno, CA | 173 | $ 27,044,000 | $ 156,323 | $ 69,000 |
| Vallejo-Fairfield, CA | 164 | $ 41,022,000 | $ 250,134 | $ 81,000 |
| Denver-Aurora-Lakewood, CO | 134 | $ 34,075,000 | $ 254,291 | $ 83,000 |
| Modesto, CA | 122 | $ 27,754,000 | $ 227,491 | $ 85,000 |
| Phoenix-Mesa-Scottsdale, AZ | 110 | $ 22,655,000 | $ 205,954 | $ 77,000 |
| Las Vegas-Henderson-Paradise, NV | 86 | $ 23,122,000 | $ 268,860 | $ 125,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 84 | $ 37,888,000 | $ 451,047 | $ 146,000 |
| Grants Pass, OR | 72 | $ 17,713,000 | $ 246,013 | $ 65,000 |
| Salinas, CA | 67 | $ 22,427,000 | $ 334,731 | $ 94,000 |
| Yuba City, CA | 61 | $ 10,750,000 | $ 176,229 | $ 80,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 50 | $ 17,374,000 | $ 347,480 | $ 102,000 |
| Reno, NV | 48 | $ 12,123,000 | $ 252,562 | $ 77,000 |
| Merced, CA | 44 | $ 6,970,000 | $ 158,409 | $ 65,000 |
| Santa Maria-Santa Barbara, CA | 44 | $ 9,061,000 | $ 205,931 | $ 85,000 |
| Chico, CA | 34 | $ 4,804,000 | $ 141,294 | $ 56,000 |
| El Centro, CA | 28 | $ 3,321,000 | $ 118,607 | $ 50,000 |
| Seattle-Bellevue-Everett, WA | 25 | $ 7,525,000 | $ 301,000 | $ 87,000 |
| Napa, CA | 23 | $ 8,011,000 | $ 348,304 | $ 118,000 |
| Salt Lake City, UT | 23 | $ 5,879,000 | $ 255,608 | $ 68,000 |
| Visalia-Porterville, CA | 22 | $ 4,170,000 | $ 189,545 | $ 76,000 |
| Medford, OR | 18 | $ 4,226,000 | $ 234,777 | $ 55,000 |
| Hanford-Corcoran, CA | 16 | $ 2,219,000 | $ 138,687 | $ 66,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 16 | $ 4,175,000 | $ 260,937 | $ 74,750 |
| San Francisco-Redwood City-South San Francisco, CA | 15 | $ 7,175,000 | $ 478,333 | $ 182,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 15 | $ 6,840,000 | $ 456,000 | $ 130,000 |
| Redding, CA | 13 | $ 2,048,000 | $ 157,538 | $ 38,000 |
| Greeley, CO | 12 | $ 2,737,000 | $ 228,083 | $ 60,000 |
| Madera, CA | 9 | $ 2,178,000 | $ 242,000 | $ 93,000 |
| Tacoma-Lakewood, WA | 8 | $ 2,080,000 | $ 260,000 | $ 76,000 |
| Carson City, NV | 7 | $ 1,338,000 | $ 191,142 | $ 58,000 |
| Ogden-Clearfield, UT | 7 | $ 1,618,000 | $ 231,142 | $ 57,000 |
| Salem, OR | 7 | $ 1,367,000 | $ 195,285 | $ 35,000 |
| San Rafael, CA | 7 | $ 3,891,000 | $ 555,857 | $ 156,000 |
| Santa Rosa, CA | 7 | $ 3,242,000 | $ 463,142 | $ 133,000 |
| Colorado Springs, CO | 6 | $ 1,123,000 | $ 187,166 | $ 85,000 |
| Provo-Orem, UT | 6 | $ 1,298,000 | $ 216,333 | $ 60,000 |
| Fort Collins, CO | 5 | $ 1,107,000 | $ 221,400 | $ 67,000 |
| Mount Vernon-Anacortes, WA | 4 | $ 1,077,000 | $ 269,250 | $ 29,000 |
| Spokane-Spokane Valley, WA | 4 | $ 516,000 | $ 129,000 | $ 101,000 |
| Beaumont-Port Arthur, TX | 3 | $ 390,000 | $ 130,000 | $ 54,000 |
| Bend-Redmond, OR | 3 | $ 641,000 | $ 213,666 | $ 80,000 |
| Boulder, CO | 3 | $ 778,000 | $ 259,333 | $ 135,000 |
| Prescott, AZ | 3 | $ 659,000 | $ 219,666 | $ 54,000 |
| Austin-Round Rock, TX | 2 | $ 576,000 | $ 288,000 | $ 84,000 |
| Bellingham, WA | 2 | $ 412,000 | $ 206,000 | $ 56,000 |
| Dallas-Plano-Irving, TX | 2 | $ 276,000 | $ 138,000 | $ 49,000 |
| Kennewick-Richland, WA | 2 | $ 518,000 | $ 259,000 | $ 77,000 |
| Lake Havasu City-Kingman, AZ | 2 | $ 332,000 | $ 166,000 | $ 78,000 |
| Tucson, AZ | 2 | $ 422,000 | $ 211,000 | $ 44,000 |
| Bremerton-Silverdale, WA | 1 | $ 180,000 | $ 180,000 | $ 36,000 |
| Eugene, OR | 1 | $ 169,000 | $ 169,000 | $ 47,000 |
| Olympia-Tumwater, WA | 1 | $ 323,000 | $ 323,000 | $ 80,000 |
| Pueblo, CO | 1 | $ 135,000 | $ 135,000 | $ 56,000 |
| San Antonio-New Braunfels, TX | 1 | $ 183,000 | $ 183,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for Mountain West Financial, Inc. in 2017
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 | 7,257 | $1,675,717,000 | $230,000 | $1,538,000 | $85,000 | $2,400,000 |
| Refinancing | 3,605 | $980,549,000 | $271,000 | $2,141,000 | $86,000 | $1,234,000 |
| 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 |
|---|---|---|---|---|---|---|
| Hispanic | 4,598 | $1,016,177,000 | $221,000 | $1,200,000 | $73,000 | $594,000 |
| White | 4,209 | $1,129,356,000 | $268,000 | $2,141,000 | $97,000 | $1,234,000 |
| Asian | 692 | $196,628,000 | $284,000 | $1,600,000 | $96,000 | $1,012,000 |
| Black or African American | 691 | $151,317,000 | $218,000 | $698,000 | $80,000 | $339,000 |
| Not Provided | 525 | $124,962,000 | $238,000 | $828,000 | $85,000 | $580,000 |
| Native Hawaiian or Other Pacific Islander | 101 | $25,209,000 | $249,000 | $626,000 | $86,000 | $346,000 |
| American Indian or Alaskan Native | 46 | $12,617,000 | $274,000 | $863,000 | $166,000 | $2,400,000 |
| 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) | 6,438 | $1,421,622,000 | $220,000 | $2,141,000 | $93,000 | $2,400,000 |
| FHA-insured (Federal Housing Administration) | 3,832 | $1,055,830,000 | $275,000 | $733,000 | $73,000 | $506,000 |
| VA-guaranteed (Veterans Administration) | 502 | $159,744,000 | $318,000 | $826,000 | $83,000 | $253,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 90 | $19,070,000 | $211,000 | $540,000 | $58,000 | $108,000 |
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 | 6,322 | $1,547,333,000 | $244,000 | $1,200,000 | $86,000 | $829,000 |
| Application Withdrawn By Applicant | 1,814 | $457,745,000 | $252,000 | $2,141,000 | $87,000 | $2,400,000 |
| Application Approved But Not Accepted | 1,648 | $397,058,000 | $240,000 | $1,300,000 | $82,000 | $829,000 |
| Application Denied By Financial Institution | 986 | $229,892,000 | $233,000 | $2,140,000 | $82,000 | $1,197,000 |
| Preapproval Denied by Financial Institution | 92 | $24,238,000 | $263,000 | $900,000 | $72,000 | $229,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 259 | $60,309,000 | $232,000 | $1,200,000 | $68,000 | $263,000 |
| Other | 111 | $23,576,000 | $212,000 | $1,500,000 | $86,000 | $290,000 |
| Credit History | 84 | $20,210,000 | $240,000 | $1,200,000 | $83,000 | $496,000 |
| Collateral | 73 | $16,390,000 | $224,000 | $863,000 | $103,000 | $1,197,000 |
| Unverifiable Information | 45 | $14,723,000 | $327,000 | $2,140,000 | $151,000 | $1,191,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 23 | $5,906,000 | $256,000 | $900,000 | $77,000 | $256,000 |
| Employment History | 20 | $4,251,000 | $212,000 | $372,000 | $51,000 | $144,000 |
| Credit Application Incomplete | 13 | $3,992,000 | $307,000 | $417,000 | $88,000 | $153,000 |
| Mortgage Insurance Denied | 2 | $516,000 | $258,000 | $309,000 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain West Financial, Inc.'s 2017 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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