West Gate Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
West Gate Bank 2022 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 | West Gate Bank 6003 Old Cheney Road Lincoln, NE 68516 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 2004 2003 |
| Total Number of Mortgage Applications | 3,149 |
| Total Mortgage Loan Application Amount | $785,045,000 |
| Average Mortgage Loan Application Amount | $205,400 |
| Highest Mortgage Loan Application Amount | $5,155,000 |
| Average Applicant Income | $143,400 |
| Highest Applicant Income | $4,069,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with West Gate Bank. 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 West Gate Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down West Gate Bank'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 West Gate Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by West Gate Bank, 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 West Gate Bank's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Lancaster County Nebraska | 525 | $ 133,445,000 | $ 254,000 | $ 132,000 |
| Douglas County Nebraska | 426 | $ 129,730,000 | $ 304,000 | $ 159,000 |
| Sarpy County Nebraska | 181 | $ 58,805,000 | $ 324,000 | $ 171,000 |
| Buffalo County Nebraska | 119 | $ 30,915,000 | $ 259,000 | $ 129,000 |
| Dodge County Nebraska | 106 | $ 22,520,000 | $ 212,000 | $ 98,000 |
| Washington County Nebraska | 92 | $ 31,310,000 | $ 340,000 | $ 130,000 |
| Madison County Nebraska | 91 | $ 18,865,000 | $ 207,000 | $ 89,000 |
| Polk County Iowa | 76 | $ 19,760,000 | $ 260,000 | $ 131,000 |
| York County Nebraska | 74 | $ 12,900,000 | $ 174,000 | $ 103,000 |
| Hall County Nebraska | 71 | $ 14,915,000 | $ 210,000 | $ 107,000 |
| Platte County Nebraska | 53 | $ 10,495,000 | $ 198,000 | $ 94,000 |
| Fillmore County Nebraska | 42 | $ 5,650,000 | $ 134,000 | $ 76,000 |
| Saunders County Nebraska | 41 | $ 12,975,000 | $ 316,000 | $ 233,000 |
| Hamilton County Nebraska | 40 | $ 8,550,000 | $ 213,000 | $ 115,000 |
| Seward County Nebraska | 40 | $ 8,930,000 | $ 223,000 | $ 91,000 |
| Linn County Iowa | 36 | $ 9,610,000 | $ 266,000 | $ 107,000 |
| Adams County Nebraska | 35 | $ 7,025,000 | $ 200,000 | $ 93,000 |
| Dawson County Nebraska | 34 | $ 5,860,000 | $ 172,000 | $ 84,000 |
| Cass County Nebraska | 33 | $ 9,765,000 | $ 295,000 | $ 124,000 |
| Black Hawk County Iowa | 29 | $ 4,665,000 | $ 160,000 | $ 37,000 |
| Harrison County Iowa | 28 | $ 6,210,000 | $ 221,000 | $ 91,000 |
| Lincoln County Nebraska | 27 | $ 4,545,000 | $ 168,000 | $ 78,000 |
| Custer County Nebraska | 26 | $ 3,430,000 | $ 131,000 | $ 72,000 |
| Otoe County Nebraska | 26 | $ 6,090,000 | $ 234,000 | $ 107,000 |
| Cuming County Nebraska | 25 | $ 5,025,000 | $ 201,000 | $ 96,000 |
| Dallas County Iowa | 24 | $ 6,860,000 | $ 285,000 | $ 111,000 |
| Pottawattamie County Iowa | 24 | $ 6,800,000 | $ 283,000 | $ 144,000 |
| Clay County Nebraska | 24 | $ 4,310,000 | $ 179,000 | $ 99,000 |
| Wayne County Nebraska | 21 | $ 3,825,000 | $ 182,000 | $ 90,000 |
| Sweetwater County Wyoming | 21 | $ 4,825,000 | $ 229,000 | $ 113,000 |
| Richardson County Nebraska | 20 | $ 2,800,000 | $ 140,000 | $ 82,000 |
| Holt County Nebraska | 19 | $ 4,335,000 | $ 228,000 | $ 89,000 |
| Johnson County Iowa | 18 | $ 5,730,000 | $ 318,000 | $ 0 |
| Pierce County Nebraska | 18 | $ 3,680,000 | $ 204,000 | $ 129,000 |
| Thayer County Nebraska | 18 | $ 2,870,000 | $ 159,000 | $ 124,000 |
| Burt County Nebraska | 17 | $ 3,295,000 | $ 193,000 | $ 100,000 |
| Scotts Bluff County Nebraska | 16 | $ 2,900,000 | $ 181,000 | $ 138,000 |
| Phelps County Nebraska | 15 | $ 3,105,000 | $ 207,000 | $ 99,000 |
| Riley County Kansas | 14 | $ 3,110,000 | $ 222,000 | $ 93,000 |
| Boone County Nebraska | 13 | $ 3,245,000 | $ 249,000 | $ 153,000 |
| Stanton County Nebraska | 13 | $ 3,205,000 | $ 246,000 | $ 100,000 |
| Utah County Utah | 13 | $ 5,845,000 | $ 449,000 | $ 0 |
| Antelope County Nebraska | 12 | $ 1,270,000 | $ 105,000 | $ 83,000 |
| Cedar County Nebraska | 12 | $ 2,100,000 | $ 175,000 | $ 73,000 |
| Colfax County Nebraska | 12 | $ 1,970,000 | $ 164,000 | $ 69,000 |
| Jefferson County Nebraska | 12 | $ 1,510,000 | $ 125,000 | $ 81,000 |
| Marion County Iowa | 11 | $ 2,035,000 | $ 185,000 | $ 92,000 |
| Warren County Iowa | 11 | $ 2,415,000 | $ 219,000 | $ 75,000 |
| Harlan County Nebraska | 11 | $ 1,695,000 | $ 154,000 | $ 81,000 |
| Kearney County Nebraska | 11 | $ 2,105,000 | $ 191,000 | $ 86,000 |
| Knox County Nebraska | 11 | $ 2,245,000 | $ 204,000 | $ 83,000 |
| Lubbock County Texas | 11 | $ 3,715,000 | $ 337,000 | $ 254,000 |
| Butler County Nebraska | 10 | $ 1,260,000 | $ 126,000 | $ 72,000 |
| Gage County Nebraska | 10 | $ 1,620,000 | $ 162,000 | $ 75,000 |
| Saline County Nebraska | 10 | $ 1,760,000 | $ 176,000 | $ 75,000 |
| Franklin County Nebraska | 9 | $ 1,085,000 | $ 120,000 | $ 60,000 |
| Howard County Nebraska | 9 | $ 2,065,000 | $ 229,000 | $ 96,000 |
| Merrick County Nebraska | 9 | $ 1,365,000 | $ 151,000 | $ 109,000 |
| Nuckolls County Nebraska | 9 | $ 1,345,000 | $ 149,000 | $ 59,000 |
| Polk County Nebraska | 9 | $ 1,245,000 | $ 138,000 | $ 71,000 |
| Randall County Texas | 9 | $ 2,585,000 | $ 287,000 | $ 147,000 |
| Laramie County Wyoming | 9 | $ 2,545,000 | $ 282,000 | $ 96,000 |
| Mills County Iowa | 8 | $ 2,570,000 | $ 321,000 | $ 254,000 |
| Woodbury County Iowa | 8 | $ 1,880,000 | $ 235,000 | $ 85,000 |
| Garfield County Nebraska | 8 | $ 1,020,000 | $ 127,000 | $ 57,000 |
| Nance County Nebraska | 8 | $ 1,700,000 | $ 212,000 | $ 102,000 |
| Valley County Nebraska | 8 | $ 1,420,000 | $ 177,000 | $ 113,000 |
| Maricopa County Arizona | 7 | $ 4,095,000 | $ 585,000 | $ 233,000 |
| Larimer County Colorado | 7 | $ 1,875,000 | $ 267,000 | $ 165,000 |
| Shelby County Iowa | 7 | $ 1,755,000 | $ 250,000 | $ 83,000 |
| Geary County Kansas | 7 | $ 1,455,000 | $ 207,000 | $ 84,000 |
| Greeley County Nebraska | 7 | $ 1,335,000 | $ 190,000 | $ 82,000 |
| Yankton County South Dakota | 7 | $ 1,495,000 | $ 213,000 | $ 105,000 |
| Wapello County Iowa | 6 | $ 880,000 | $ 146,000 | $ 54,000 |
| Johnson County Kansas | 6 | $ 1,860,000 | $ 310,000 | $ 143,000 |
| Pottawatomie County Kansas | 6 | $ 1,460,000 | $ 243,000 | $ 124,000 |
| Dakota County Nebraska | 6 | $ 1,390,000 | $ 231,000 | $ 94,000 |
| Douglas County Colorado | 5 | $ 3,805,000 | $ 761,000 | $ 223,000 |
| Lucas County Iowa | 5 | $ 855,000 | $ 171,000 | $ 61,000 |
| Mahaska County Iowa | 5 | $ 805,000 | $ 161,000 | $ 76,000 |
| Sheridan County Nebraska | 5 | $ 525,000 | $ 105,000 | $ 74,000 |
| Colfax County New Mexico | 5 | $ 975,000 | $ 195,000 | $ 98,000 |
| Millard County Utah | 5 | $ 1,245,000 | $ 249,000 | $ 0 |
| Albany County Wyoming | 5 | $ 2,155,000 | $ 431,000 | $ 126,000 |
| Arapahoe County Colorado | 4 | $ 2,600,000 | $ 650,000 | $ 193,000 |
| Denver County Colorado | 4 | $ 2,320,000 | $ 580,000 | $ 294,000 |
| Dickinson County Iowa | 4 | $ 1,750,000 | $ 437,000 | $ 602,000 |
| Jefferson County Iowa | 4 | $ 800,000 | $ 200,000 | $ 72,000 |
| Osceola County Iowa | 4 | $ 450,000 | $ 112,000 | $ 72,000 |
| Box Butte County Nebraska | 4 | $ 340,000 | $ 85,000 | $ 68,000 |
| Dawes County Nebraska | 4 | $ 390,000 | $ 97,000 | $ 75,000 |
| Keith County Nebraska | 4 | $ 1,220,000 | $ 305,000 | $ 0 |
| Union County South Dakota | 4 | $ 1,490,000 | $ 372,000 | $ 113,000 |
| Benton County Iowa | 3 | $ 945,000 | $ 315,000 | $ 0 |
| Butler County Iowa | 3 | $ 485,000 | $ 161,000 | $ 0 |
| Hamilton County Iowa | 3 | $ 295,000 | $ 98,000 | $ 80,000 |
| Story County Iowa | 3 | $ 685,000 | $ 228,000 | $ 42,000 |
| Washington County Iowa | 3 | $ 735,000 | $ 245,000 | $ 120,000 |
| Wayne County Iowa | 3 | $ 485,000 | $ 161,000 | $ 110,000 |
| Saline County Kansas | 3 | $ 435,000 | $ 145,000 | $ 96,000 |
| Morrill County Nebraska | 3 | $ 715,000 | $ 238,000 | $ 89,000 |
| Pawnee County Nebraska | 3 | $ 385,000 | $ 128,000 | $ 52,000 |
| Sherman County Nebraska | 3 | $ 385,000 | $ 128,000 | $ 53,000 |
| Yavapai County Arizona | 2 | $ 720,000 | $ 360,000 | $ 0 |
| Grand County Colorado | 2 | $ 870,000 | $ 435,000 | $ 0 |
| Las Animas County Colorado | 2 | $ 300,000 | $ 150,000 | $ 71,000 |
| Weld County Colorado | 2 | $ 490,000 | $ 245,000 | $ 289,000 |
| Bay County Florida | 2 | $ 770,000 | $ 385,000 | $ 315,000 |
| Lee County Florida | 2 | $ 1,180,000 | $ 590,000 | $ 465,000 |
| Walton County Florida | 2 | $ 360,000 | $ 180,000 | $ 74,000 |
| Bremer County Iowa | 2 | $ 930,000 | $ 465,000 | $ 0 |
| Grundy County Iowa | 2 | $ 690,000 | $ 345,000 | $ 0 |
| Jackson County Iowa | 2 | $ 420,000 | $ 210,000 | $ 98,000 |
| Monroe County Iowa | 2 | $ 310,000 | $ 155,000 | $ 63,000 |
| O'Brien County Iowa | 2 | $ 380,000 | $ 190,000 | $ 88,000 |
| Page County Iowa | 2 | $ 360,000 | $ 180,000 | $ 192,000 |
| Poweshiek County Iowa | 2 | $ 890,000 | $ 445,000 | $ 445,000 |
| Scott County Iowa | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Taylor County Iowa | 2 | $ 90,000 | $ 45,000 | $ 53,000 |
| Dickinson County Kansas | 2 | $ 230,000 | $ 115,000 | $ 64,000 |
| Shawnee County Kansas | 2 | $ 470,000 | $ 235,000 | $ 154,000 |
| Thomas County Kansas | 2 | $ 900,000 | $ 450,000 | $ 0 |
| Camden County Missouri | 2 | $ 1,150,000 | $ 575,000 | $ 312,000 |
| Miller County Missouri | 2 | $ 440,000 | $ 220,000 | $ 282,000 |
| St. Charles County Missouri | 2 | $ 330,000 | $ 165,000 | $ 59,000 |
| Brown County Nebraska | 2 | $ 150,000 | $ 75,000 | $ 76,000 |
| Chase County Nebraska | 2 | $ 200,000 | $ 100,000 | $ 0 |
| Furnas County Nebraska | 2 | $ 170,000 | $ 85,000 | $ 62,000 |
| Loup County Nebraska | 2 | $ 360,000 | $ 180,000 | $ 73,000 |
| Nemaha County Nebraska | 2 | $ 310,000 | $ 155,000 | $ 78,000 |
| Red Willow County Nebraska | 2 | $ 290,000 | $ 145,000 | $ 53,000 |
| Clark County Nevada | 2 | $ 620,000 | $ 310,000 | $ 99,000 |
| Carson County Texas | 2 | $ 290,000 | $ 145,000 | $ 73,000 |
| Comal County Texas | 2 | $ 890,000 | $ 445,000 | $ 281,000 |
| Montgomery County Texas | 2 | $ 510,000 | $ 255,000 | $ 83,000 |
| Potter County Texas | 2 | $ 800,000 | $ 400,000 | $ 307,000 |
| Salt Lake County Utah | 2 | $ 880,000 | $ 440,000 | $ 0 |
| Washington County Utah | 2 | $ 1,090,000 | $ 545,000 | $ 609,000 |
| Pima County Arizona | 1 | $ 435,000 | $ 435,000 | $ 289,000 |
| Boone County Arkansas | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Lonoke County Arkansas | 1 | $ 655,000 | $ 655,000 | $ 163,000 |
| Adams County Colorado | 1 | $ 595,000 | $ 595,000 | $ 129,000 |
| El Paso County Colorado | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Elbert County Colorado | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Huerfano County Colorado | 1 | $ 155,000 | $ 155,000 | $ 68,000 |
| La Plata County Colorado | 1 | $ 575,000 | $ 575,000 | $ 0 |
| Montrose County Colorado | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Pueblo County Colorado | 1 | $ 315,000 | $ 315,000 | $ 184,000 |
| Summit County Colorado | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Charlotte County Florida | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Monroe County Florida | 1 | $ 715,000 | $ 715,000 | $ 433,000 |
| Orange County Florida | 1 | $ 305,000 | $ 305,000 | $ 267,000 |
| Pinellas County Florida | 1 | $ 375,000 | $ 375,000 | $ 114,000 |
| Volusia County Florida | 1 | $ 245,000 | $ 245,000 | $ 139,000 |
| Carroll County Georgia | 1 | $ 175,000 | $ 175,000 | $ 181,000 |
| Cook County Illinois | 1 | $ 475,000 | $ 475,000 | $ 253,000 |
| Appanoose County Iowa | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Boone County Iowa | 1 | $ 275,000 | $ 275,000 | $ 0 |
| Buchanan County Iowa | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Cass County Iowa | 1 | $ 295,000 | $ 295,000 | $ 157,000 |
| Chickasaw County Iowa | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Clarke County Iowa | 1 | $ 125,000 | $ 125,000 | $ 72,000 |
| Crawford County Iowa | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Delaware County Iowa | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Guthrie County Iowa | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jones County Iowa | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Keokuk County Iowa | 1 | $ 55,000 | $ 55,000 | $ 86,000 |
| Mitchell County Iowa | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Montgomery County Iowa | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Plymouth County Iowa | 1 | $ 135,000 | $ 135,000 | $ 65,000 |
| Sioux County Iowa | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Webster County Iowa | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Butler County Kansas | 1 | $ 225,000 | $ 225,000 | $ 58,000 |
| Clay County Kansas | 1 | $ 175,000 | $ 175,000 | $ 173,000 |
| Cowley County Kansas | 1 | $ 145,000 | $ 145,000 | $ 38,000 |
| Decatur County Kansas | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Douglas County Kansas | 1 | $ 515,000 | $ 515,000 | $ 138,000 |
| McPherson County Kansas | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Morris County Kansas | 1 | $ 55,000 | $ 55,000 | $ 73,000 |
| Reno County Kansas | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Sedgwick County Kansas | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Wabaunsee County Kansas | 1 | $ 225,000 | $ 225,000 | $ 76,000 |
| Washington County Kansas | 1 | $ 165,000 | $ 165,000 | $ 63,000 |
| Jefferson County Kentucky | 1 | $ 435,000 | $ 435,000 | $ 255,000 |
| Hennepin County Minnesota | 1 | $ 475,000 | $ 475,000 | $ 270,000 |
| Otter Tail County Minnesota | 1 | $ 305,000 | $ 305,000 | $ 171,000 |
| Ramsey County Minnesota | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Wabasha County Minnesota | 1 | $ 205,000 | $ 205,000 | $ 130,000 |
| Christian County Missouri | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Warren County Missouri | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Carbon County Montana | 1 | $ 645,000 | $ 645,000 | $ 0 |
| Ravalli County Montana | 1 | $ 815,000 | $ 815,000 | $ 595,000 |
| Cheyenne County Nebraska | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Dixon County Nebraska | 1 | $ 125,000 | $ 125,000 | $ 45,000 |
| Frontier County Nebraska | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Johnson County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Kimball County Nebraska | 1 | $ 85,000 | $ 85,000 | $ 64,000 |
| Perkins County Nebraska | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Rock County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 72,000 |
| Thurston County Nebraska | 1 | $ 225,000 | $ 225,000 | $ 49,000 |
| Webster County Nebraska | 1 | $ 305,000 | $ 305,000 | $ 96,000 |
| Wheeler County Nebraska | 1 | $ 245,000 | $ 245,000 | $ 254,000 |
| Otero County New Mexico | 1 | $ 95,000 | $ 95,000 | $ 47,000 |
| Roosevelt County New Mexico | 1 | $ 65,000 | $ 65,000 | $ 109,000 |
| Sandoval County New Mexico | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Garvin County Oklahoma | 1 | $ 295,000 | $ 295,000 | $ 260,000 |
| Bon Homme County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 71,000 |
| Lake County South Dakota | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Lawrence County South Dakota | 1 | $ 635,000 | $ 635,000 | $ 200,000 |
| Pennington County South Dakota | 1 | $ 245,000 | $ 245,000 | $ 141,000 |
| Gray County Texas | 1 | $ 145,000 | $ 145,000 | $ 10,000 |
| Hale County Texas | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Tarrant County Texas | 1 | $ 615,000 | $ 615,000 | $ 135,000 |
| Beaver County Utah | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Sevier County Utah | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Tooele County Utah | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Goshen County Wyoming | 1 | $ 135,000 | $ 135,000 | $ 85,000 |
| Niobrara County Wyoming | 1 | $ 75,000 | $ 75,000 | $ 55,000 |
| Uinta County Wyoming | 1 | $ 485,000 | $ 485,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for West Gate Bank in 2022
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 | 2,189 | $577,505,000 | $263,000 | $3,295,000 | $118,000 | $1,920,000 |
| Cash-out Refinancing | 479 | $98,485,000 | $205,000 | $1,265,000 | $132,000 | $4,069,000 |
| Refinancing | 429 | $100,915,000 | $235,000 | $5,155,000 | $136,000 | $4,069,000 |
| Other Purpose | 36 | $5,300,000 | $147,000 | $405,000 | $139,000 | $687,000 |
| Home Improvement | 16 | $2,840,000 | $177,000 | $645,000 | $192,000 | $720,000 |
| 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 | 2,186 | $519,670,000 | $237,000 | $1,305,000 | $125,000 | $4,069,000 |
| Not applicable | 557 | $166,655,000 | $299,000 | $5,155,000 | $0 | $0 |
| Not Provided | 187 | $49,195,000 | $263,000 | $1,005,000 | $139,000 | $931,000 |
| Hispanic | 139 | $25,645,000 | $184,000 | $525,000 | $74,000 | $242,000 |
| Asian | 35 | $11,645,000 | $332,000 | $1,005,000 | $153,000 | $651,000 |
| Black or African American | 29 | $7,255,000 | $250,000 | $545,000 | $106,000 | $232,000 |
| American Indian or Alaskan Native | 10 | $2,530,000 | $253,000 | $595,000 | $111,000 | $235,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 2,906 | $733,980,000 | $252,000 | $5,155,000 | $128,000 | $4,069,000 |
| VA-guaranteed (Veterans Administration) | 103 | $30,865,000 | $299,000 | $935,000 | $102,000 | $203,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 98 | $12,870,000 | $131,000 | $275,000 | $51,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 42 | $7,330,000 | $174,000 | $425,000 | $67,000 | $140,000 |
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 | 2,314 | $578,550,000 | $250,000 | $5,155,000 | $127,000 | $4,069,000 |
| Loan Purchased By The Institution | 475 | $129,325,000 | $272,000 | $935,000 | $0 | $0 |
| Application Approved But Not Accepted | 195 | $43,925,000 | $225,000 | $865,000 | $117,000 | $823,000 |
| Application Denied By Financial Institution | 141 | $28,695,000 | $203,000 | $915,000 | $82,000 | $609,000 |
| Application Withdrawn By Applicant | 21 | $4,215,000 | $200,000 | $645,000 | $107,000 | $305,000 |
| File Closed For Incompleteness | 3 | $335,000 | $111,000 | $215,000 | $113,000 | $240,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,008 | $756,350,000 | $251,000 | $5,155,000 | $126,000 | $4,069,000 |
| Debt-To-Income Ratio | 64 | $14,730,000 | $230,000 | $715,000 | $72,000 | $433,000 |
| Credit History | 34 | $4,630,000 | $136,000 | $385,000 | $75,000 | $308,000 |
| Unverifiable Information | 25 | $6,505,000 | $260,000 | $915,000 | $128,000 | $609,000 |
| Other | 6 | $850,000 | $141,000 | $185,000 | $83,000 | $121,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $980,000 | $163,000 | $265,000 | $86,000 | $125,000 |
| Employment History | 5 | $915,000 | $183,000 | $235,000 | $26,000 | $55,000 |
| Collateral | 1 | $85,000 | $85,000 | $85,000 | $92,000 | $92,000 |
| 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 West Gate Bank's 2022 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 West Gate Bank'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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