Mountain West Financial, Inc. Mortgage Lending & HMDA Data, 2021
In 2021, Mountain West Financial, Inc. of Redlands, CA reported 9,229 mortgage applications totaling $2.8 billion, down 35% from 2020. The average application was for $299,641, and applicants reported an average income of $107,271. 68% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (3,457), Sacramento--Roseville--Arden-Arcade, CA (1,004) and Los Angeles-Long Beach-Glendale, CA (671) (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 | 9,229 |
| Total Mortgage Loan Application Amount | $2,765,395,000 |
| Average Mortgage Loan Application Amount | $299,641 |
| Highest Mortgage Loan Application Amount | $2,195,000 |
| Average Applicant Income | $107,271 |
| Highest Applicant Income | $2,580,000 |
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records Mountain West Financial, Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 3,457 | $ 992,395,000 | $ 287,068 | $ 103,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1,004 | $ 287,320,000 | $ 286,175 | $ 110,000 |
| Los Angeles-Long Beach-Glendale, CA | 671 | $ 256,075,000 | $ 381,631 | $ 116,000 |
| Santa Cruz-Watsonville, CA | 298 | $ 144,200,000 | $ 483,892 | $ 137,000 |
| Outside any metro area | 252 | $ 68,100,000 | $ 270,238 | $ 111,523 |
| San Diego-Carlsbad, CA | 231 | $ 94,855,000 | $ 410,627 | $ 132,000 |
| Bakersfield, CA | 217 | $ 39,035,000 | $ 179,884 | $ 85,000 |
| Denver-Aurora-Lakewood, CO | 188 | $ 64,210,000 | $ 341,542 | $ 109,000 |
| Fresno, CA | 177 | $ 31,855,000 | $ 179,971 | $ 153,000 |
| Anaheim-Santa Ana-Irvine, CA | 176 | $ 82,270,000 | $ 467,443 | $ 150,000 |
| Oakland-Hayward-Berkeley, CA | 174 | $ 64,780,000 | $ 372,298 | $ 121,000 |
| Phoenix-Mesa-Scottsdale, AZ | 155 | $ 44,385,000 | $ 286,354 | $ 99,000 |
| Grants Pass, OR | 153 | $ 42,845,000 | $ 280,032 | $ 81,000 |
| Stockton-Lodi, CA | 152 | $ 37,010,000 | $ 243,486 | $ 96,000 |
| Modesto, CA | 121 | $ 29,985,000 | $ 247,809 | $ 93,000 |
| Lake Havasu City-Kingman, AZ | 116 | $ 28,760,000 | $ 247,931 | $ 100,000 |
| Vallejo-Fairfield, CA | 116 | $ 32,450,000 | $ 279,741 | $ 118,000 |
| Salinas, CA | 114 | $ 48,070,000 | $ 421,666 | $ 116,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 91 | $ 32,065,000 | $ 352,362 | $ 122,000 |
| Provo-Orem, UT | 90 | $ 23,530,000 | $ 261,444 | $ 94,000 |
| Laredo, TX | 88 | $ 8,910,000 | $ 101,250 | $ 51,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 87 | $ 39,065,000 | $ 449,022 | $ 141,000 |
| Salt Lake City, UT | 82 | $ 17,090,000 | $ 208,414 | $ 75,000 |
| Merced, CA | 72 | $ 17,030,000 | $ 236,527 | $ 84,000 |
| Houston-The Woodlands-Sugar Land, TX | 69 | $ 9,115,000 | $ 132,101 | $ 59,000 |
| Yuba City, CA | 67 | $ 13,425,000 | $ 200,373 | $ 87,000 |
| Las Vegas-Henderson-Paradise, NV | 49 | $ 13,895,000 | $ 283,571 | $ 92,000 |
| Medford, OR | 46 | $ 12,530,000 | $ 272,391 | $ 77,000 |
| Visalia-Porterville, CA | 36 | $ 6,250,000 | $ 173,611 | $ 87,000 |
| Santa Rosa, CA | 35 | $ 10,525,000 | $ 300,714 | $ 125,000 |
| Ogden-Clearfield, UT | 34 | $ 6,990,000 | $ 205,588 | $ 79,000 |
| Greeley, CO | 30 | $ 7,800,000 | $ 260,000 | $ 92,000 |
| Madera, CA | 26 | $ 5,470,000 | $ 210,384 | $ 166,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 19 | $ 6,995,000 | $ 368,157 | $ 151,000 |
| Chico, CA | 17 | $ 4,185,000 | $ 246,176 | $ 84,000 |
| El Centro, CA | 16 | $ 2,400,000 | $ 150,000 | $ 91,000 |
| Santa Maria-Santa Barbara, CA | 15 | $ 5,655,000 | $ 377,000 | $ 133,000 |
| St. George, UT | 15 | $ 2,705,000 | $ 180,333 | $ 75,000 |
| Colorado Springs, CO | 14 | $ 3,790,000 | $ 270,714 | $ 84,000 |
| Dallas-Plano-Irving, TX | 13 | $ 2,385,000 | $ 183,461 | $ 66,000 |
| San Francisco-Redwood City-South San Francisco, CA | 11 | $ 7,215,000 | $ 655,909 | $ 265,000 |
| Boulder, CO | 10 | $ 4,550,000 | $ 455,000 | $ 138,000 |
| Fort Collins, CO | 10 | $ 2,590,000 | $ 259,000 | $ 82,000 |
| Odessa, TX | 9 | $ 1,015,000 | $ 112,777 | $ 49,000 |
| Redding, CA | 9 | $ 1,685,000 | $ 187,222 | $ 69,000 |
| Seattle-Bellevue-Everett, WA | 9 | $ 3,465,000 | $ 385,000 | $ 171,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 8 | $ 3,640,000 | $ 455,000 | $ 193,500 |
| San Antonio-New Braunfels, TX | 8 | $ 1,320,000 | $ 165,000 | $ 55,000 |
| Tucson, AZ | 8 | $ 2,220,000 | $ 277,500 | $ 110,000 |
| Reno, NV | 6 | $ 2,260,000 | $ 376,666 | $ 101,000 |
| San Rafael, CA | 6 | $ 3,430,000 | $ 571,666 | $ 142,000 |
| Beaumont-Port Arthur, TX | 5 | $ 615,000 | $ 123,000 | $ 68,000 |
| Fort Worth-Arlington, TX | 5 | $ 1,045,000 | $ 209,000 | $ 98,000 |
| Hanford-Corcoran, CA | 5 | $ 1,065,000 | $ 213,000 | $ 64,000 |
| Napa, CA | 5 | $ 1,615,000 | $ 323,000 | $ 108,000 |
| Eugene, OR | 4 | $ 1,380,000 | $ 345,000 | $ 91,000 |
| Flagstaff, AZ | 4 | $ 970,000 | $ 242,500 | $ 108,000 |
| Pueblo, CO | 4 | $ 600,000 | $ 150,000 | $ 103,000 |
| Austin-Round Rock, TX | 3 | $ 975,000 | $ 325,000 | $ 154,000 |
| El Paso, TX | 3 | $ 335,000 | $ 111,666 | $ 87,000 |
| Killeen-Temple, TX | 3 | $ 605,000 | $ 201,666 | $ 161,000 |
| Salem, OR | 3 | $ 2,375,000 | $ 791,666 | $ 428,000 |
| Yuma, AZ | 3 | $ 815,000 | $ 271,666 | $ 88,000 |
| Bend-Redmond, OR | 2 | $ 490,000 | $ 245,000 | $ 37,000 |
| Logan, UT-ID | 2 | $ 330,000 | $ 165,000 | $ 69,000 |
| Wichita Falls, TX | 2 | $ 290,000 | $ 145,000 | $ 69,000 |
| Albany, OR | 1 | $ 245,000 | $ 245,000 | $ 89,000 |
| Albuquerque, NM | 1 | $ 265,000 | $ 265,000 | $ 120,000 |
| Grand Junction, CO | 1 | $ 165,000 | $ 165,000 | $ 20,000 |
| McAllen-Edinburg-Mission, TX | 1 | $ 195,000 | $ 195,000 | $ 48,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 325,000 | $ 325,000 | $ 130,000 |
| Prescott Valley-Prescott, AZ | 1 | $ 95,000 | $ 95,000 | $ 110,000 |
| Spokane-Spokane Valley, WA | 1 | $ 95,000 | $ 95,000 | $ 5,000 |
| Tacoma-Lakewood, WA | 1 | $ 1,435,000 | $ 1,435,000 | $ 303,000 |
Mortgage Loan Application Detail Totals for Mountain West Financial, Inc. in 2021
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 | 4,623 | $1,268,085,000 | $274,000 | $2,195,000 | $101,000 | $2,163,000 |
| Refinancing | 2,405 | $788,345,000 | $327,000 | $1,665,000 | $115,000 | $2,108,000 |
| Cash-out Refinancing | 2,201 | $708,965,000 | $322,000 | $1,005,000 | $112,000 | $2,580,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 3,546 | $1,145,400,000 | $323,000 | $1,665,000 | $116,000 | $2,163,000 |
| Hispanic | 3,306 | $876,880,000 | $265,000 | $1,205,000 | $89,000 | $912,000 |
| Not Provided | 1,295 | $411,695,000 | $317,000 | $1,385,000 | $110,000 | $1,129,000 |
| Black or African American | 602 | $159,910,000 | $265,000 | $2,195,000 | $100,000 | $1,169,000 |
| Asian | 382 | $142,600,000 | $373,000 | $1,725,000 | $178,000 | $2,580,000 |
| Native Hawaiian or Other Pacific Islander | 56 | $17,550,000 | $313,000 | $1,365,000 | $131,000 | $429,000 |
| American Indian or Alaskan Native | 42 | $11,360,000 | $270,000 | $545,000 | $104,000 | $605,000 |
| 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) | 7,418 | $2,128,120,000 | $286,000 | $2,195,000 | $112,000 | $2,580,000 |
| FHA-insured (Federal Housing Administration) | 1,557 | $538,305,000 | $345,000 | $965,000 | $84,000 | $912,000 |
| VA-guaranteed (Veterans Administration) | 225 | $91,615,000 | $407,000 | $985,000 | $97,000 | $312,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 29 | $7,355,000 | $253,000 | $405,000 | $58,000 | $90,000 |
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 | 6,280 | $1,930,250,000 | $307,000 | $2,195,000 | $108,000 | $2,108,000 |
| Application Withdrawn By Applicant | 1,135 | $358,285,000 | $315,000 | $1,435,000 | $107,000 | $1,300,000 |
| Application Approved But Not Accepted | 890 | $239,820,000 | $269,000 | $1,725,000 | $126,000 | $2,580,000 |
| Application Denied By Financial Institution | 615 | $158,415,000 | $257,000 | $1,405,000 | $83,000 | $795,000 |
| Preapproval Approved but not Accepted | 250 | $63,810,000 | $255,000 | $1,205,000 | $93,000 | $308,000 |
| Preapproval Denied by Financial Institution | 59 | $14,815,000 | $251,000 | $635,000 | $73,000 | $173,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Not applicable | 8,555 | $2,592,165,000 | $303,000 | $2,195,000 | $109,000 | $2,580,000 |
| Debt-To-Income Ratio | 388 | $94,170,000 | $242,000 | $1,345,000 | $70,000 | $255,000 |
| Collateral | 107 | $23,835,000 | $222,000 | $1,005,000 | $86,000 | $525,000 |
| Unverifiable Information | 55 | $18,525,000 | $336,000 | $1,245,000 | $112,000 | $795,000 |
| Credit History | 52 | $17,020,000 | $327,000 | $1,405,000 | $96,000 | $319,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 35 | $8,985,000 | $256,000 | $785,000 | $91,000 | $442,000 |
| Other | 21 | $5,485,000 | $261,000 | $715,000 | $176,000 | $756,000 |
| Employment History | 16 | $5,210,000 | $325,000 | $715,000 | $70,000 | $190,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Mountain West Financial, Inc.'s 2021 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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