Bank Of The Pacific
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Bank Of The Pacific 2019 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Bank Of The Pacific 300 East Market / Po Box 1826 Aberdeen, WA 98520 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 2010 2009 2008 2007 2006 2005 |
| Total Number of Mortgage Applications | 1,468 |
| Total Mortgage Loan Application Amount | $441,530,000 |
| Average Mortgage Loan Application Amount | $248,400 |
| Highest Mortgage Loan Application Amount | $6,005,000 |
| Average Applicant Income | $94,200 |
| Highest Applicant Income | $1,420,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Bank Of The Pacific. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Bank Of The Pacific's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Bank Of The Pacific's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Bank Of The Pacific serves its applicants.
Each category highlights the total number of mortgage applications processed by Bank Of The Pacific, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Bank Of The Pacific's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Whatcom County Washington | 615 | $ 201,355,000 | $ 327,000 | $ 113,000 |
| Grays Harbor County Washington | 244 | $ 41,430,000 | $ 169,000 | $ 82,000 |
| Skagit County Washington | 158 | $ 52,100,000 | $ 329,000 | $ 107,000 |
| Pacific County Washington | 115 | $ 19,125,000 | $ 166,000 | $ 86,000 |
| Clatsop County Oregon | 87 | $ 26,105,000 | $ 300,000 | $ 101,000 |
| Island County Washington | 50 | $ 17,420,000 | $ 348,000 | $ 101,000 |
| Clark County Washington | 34 | $ 17,400,000 | $ 511,000 | $ 155,000 |
| Thurston County Washington | 18 | $ 5,730,000 | $ 318,000 | $ 120,000 |
| Wahkiakum County Washington | 16 | $ 3,070,000 | $ 191,000 | $ 75,000 |
| King County Washington | 13 | $ 5,655,000 | $ 435,000 | $ 168,000 |
| Snohomish County Washington | 12 | $ 4,550,000 | $ 379,000 | $ 89,000 |
| Kitsap County Washington | 11 | $ 2,845,000 | $ 258,000 | $ 143,000 |
| Lewis County Washington | 10 | $ 6,140,000 | $ 614,000 | $ 131,000 |
| Pierce County Washington | 10 | $ 8,880,000 | $ 888,000 | $ 146,000 |
| Mason County Washington | 8 | $ 1,790,000 | $ 223,000 | $ 84,000 |
| Multnomah County Oregon | 6 | $ 5,790,000 | $ 965,000 | $ 300,000 |
| Washington County Oregon | 6 | $ 2,350,000 | $ 391,000 | $ 149,000 |
| Lane County Oregon | 5 | $ 1,415,000 | $ 283,000 | $ 109,000 |
| Contra Costa County California | 4 | $ 1,690,000 | $ 422,000 | $ 128,000 |
| Chelan County Washington | 4 | $ 1,800,000 | $ 450,000 | $ 66,000 |
| Cowlitz County Washington | 4 | $ 1,020,000 | $ 255,000 | $ 123,000 |
| San Juan County Washington | 4 | $ 1,410,000 | $ 352,000 | $ 144,000 |
| Clackamas County Oregon | 3 | $ 1,035,000 | $ 345,000 | $ 79,000 |
| Deschutes County Oregon | 3 | $ 1,435,000 | $ 478,000 | $ 106,000 |
| Benton County Washington | 3 | $ 715,000 | $ 238,000 | $ 35,000 |
| Clallam County Washington | 3 | $ 845,000 | $ 281,000 | $ 63,000 |
| Jefferson County Washington | 3 | $ 815,000 | $ 271,000 | $ 121,000 |
| Pinal County Arizona | 2 | $ 350,000 | $ 175,000 | $ 86,000 |
| Yamhill County Oregon | 2 | $ 2,450,000 | $ 1,225,000 | $ 43,000 |
| Spokane County Washington | 2 | $ 440,000 | $ 220,000 | $ 164,000 |
| Maricopa County Arizona | 1 | $ 205,000 | $ 205,000 | $ 71,000 |
| Santa Clara County California | 1 | $ 405,000 | $ 405,000 | $ 228,000 |
| Kootenai County Idaho | 1 | $ 235,000 | $ 235,000 | $ 198,000 |
| Payette County Idaho | 1 | $ 125,000 | $ 125,000 | $ 127,000 |
| Lincoln County Oregon | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Linn County Oregon | 1 | $ 1,635,000 | $ 1,635,000 | $ 0 |
| Polk County Oregon | 1 | $ 345,000 | $ 345,000 | $ 0 |
| Kittitas County Washington | 1 | $ 155,000 | $ 155,000 | $ 162,000 |
| Klickitat County Washington | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Stevens County Washington | 1 | $ 75,000 | $ 75,000 | $ 23,000 |
| Walla Walla County Washington | 1 | $ 585,000 | $ 585,000 | $ 182,000 |
Mortgage Loan Application Detail Totals for Bank Of The Pacific in 2019
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 | 840 | $258,610,000 | $307,000 | $6,005,000 | $108,000 | $1,420,000 |
| Refinancing | 296 | $97,810,000 | $330,000 | $5,805,000 | $108,000 | $598,000 |
| Cash-out Refinancing | 276 | $75,860,000 | $274,000 | $785,000 | $101,000 | $549,000 |
| Home Improvement | 29 | $4,255,000 | $146,000 | $1,635,000 | $64,000 | $132,000 |
| Other Purpose | 27 | $4,995,000 | $185,000 | $485,000 | $90,000 | $307,000 |
| Not Applicable | 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 | 1,099 | $308,265,000 | $280,000 | $1,865,000 | $106,000 | $1,420,000 |
| Not Provided | 242 | $73,980,000 | $305,000 | $865,000 | $106,000 | $808,000 |
| Hispanic | 41 | $10,675,000 | $260,000 | $565,000 | $103,000 | $376,000 |
| Not applicable | 33 | $33,585,000 | $1,017,000 | $6,005,000 | $0 | $0 |
| Asian | 24 | $7,600,000 | $316,000 | $685,000 | $107,000 | $549,000 |
| American Indian or Alaskan Native | 17 | $3,675,000 | $216,000 | $375,000 | $81,000 | $160,000 |
| Black or African American | 10 | $3,160,000 | $316,000 | $435,000 | $86,000 | $145,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $590,000 | $295,000 | $335,000 | $89,000 | $103,000 |
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) | 1,132 | $341,790,000 | $301,000 | $6,005,000 | $112,000 | $1,420,000 |
| VA-guaranteed (Veterans Administration) | 170 | $59,260,000 | $348,000 | $725,000 | $96,000 | $315,000 |
| FHA-insured (Federal Housing Administration) | 132 | $32,030,000 | $242,000 | $545,000 | $73,000 | $280,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 34 | $8,450,000 | $248,000 | $485,000 | $65,000 | $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 | 1,016 | $313,730,000 | $308,000 | $3,825,000 | $112,000 | $1,420,000 |
| Application Withdrawn By Applicant | 295 | $85,915,000 | $291,000 | $6,005,000 | $98,000 | $808,000 |
| Application Denied By Financial Institution | 115 | $32,385,000 | $281,000 | $5,805,000 | $65,000 | $191,000 |
| File Closed For Incompleteness | 25 | $6,395,000 | $255,000 | $545,000 | $84,000 | $206,000 |
| Application Approved But Not Accepted | 16 | $2,980,000 | $186,000 | $645,000 | $122,000 | $274,000 |
| Preapproval Denied by Financial Institution | 1 | $125,000 | $125,000 | $125,000 | $35,000 | $35,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,352 | $409,020,000 | $302,000 | $6,005,000 | $109,000 | $1,420,000 |
| Debt-To-Income Ratio | 47 | $12,495,000 | $265,000 | $785,000 | $59,000 | $191,000 |
| Credit History | 29 | $6,195,000 | $213,000 | $485,000 | $67,000 | $140,000 |
| Collateral | 23 | $4,675,000 | $203,000 | $485,000 | $74,000 | $185,000 |
| Unverifiable Information | 5 | $1,325,000 | $265,000 | $485,000 | $71,000 | $183,000 |
| Employment History | 4 | $500,000 | $125,000 | $225,000 | $39,000 | $57,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $6,205,000 | $2,068,000 | $5,805,000 | $58,000 | $73,000 |
| Other | 3 | $855,000 | $285,000 | $325,000 | $74,000 | $104,000 |
| Credit Application Incomplete | 2 | $260,000 | $130,000 | $215,000 | $62,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Bank Of The Pacific's 2019 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 Pacific'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.
For a list of all lenders in Washington, download the full spreadsheet
with aggregated HMDA statistics today.