American Mortgage Express Mortgage Lending & HMDA Data, 2005
In 2005, American Mortgage Express of San Diego, CA reported 19,491 mortgage applications totaling $3.8 billion, up 71% from 2004. The average application was for $196,703, and applicants reported an average income of $94,774. 44% of its applications resulted in an originated loan and 20% were denied. Its largest markets were San Diego-Carlsbad-San Marcos, CA (2,051), Phoenix-Mesa-Scottsdale, AZ (1,878) and Riverside-San Bernardino-Ontario, CA (1,277) (applications in parentheses).
| Mortgage Company & Address | American Mortgage Express 10251 Vista Sorrento Parkway San Diego, CA 92121 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 19,491 |
| Total Mortgage Loan Application Amount | $3,833,943,000 |
| Average Mortgage Loan Application Amount | $196,703 |
| Highest Mortgage Loan Application Amount | $2,835,000 |
| Average Applicant Income | $94,774 |
| Highest Applicant Income | $3,328,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records American Mortgage Express filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| San Diego-Carlsbad-San Marcos, CA | 2,051 | $ 708,317,000 | $ 345,352 | $ 113,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1,878 | $ 301,605,000 | $ 160,599 | $ 85,000 |
| Riverside-San Bernardino-Ontario, CA | 1,277 | $ 287,312,000 | $ 224,989 | $ 99,000 |
| Las Vegas-Paradise, NV | 1,082 | $ 211,703,000 | $ 195,658 | $ 102,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1,022 | $ 158,914,000 | $ 155,493 | $ 86,000 |
| Los Angeles-Long Beach-Glendale, CA | 839 | $ 223,946,000 | $ 266,920 | $ 116,000 |
| Seattle-Bellevue-Everett, WA | 555 | $ 111,222,000 | $ 200,400 | $ 97,000 |
| Fresno, CA | 537 | $ 83,527,000 | $ 155,543 | $ 74,000 |
| Tampa-St. Petersburg-Clearwater, FL | 521 | $ 67,359,000 | $ 129,287 | $ 69,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 484 | $ 115,612,000 | $ 238,867 | $ 124,000 |
| Boise City-Nampa, ID | 363 | $ 36,211,000 | $ 99,754 | $ 63,000 |
| Tacoma, WA | 341 | $ 54,887,000 | $ 160,958 | $ 90,000 |
| Merced, CA | 331 | $ 59,912,000 | $ 181,003 | $ 142,000 |
| Modesto, CA | 324 | $ 71,979,000 | $ 222,157 | $ 107,000 |
| Salem, OR | 301 | $ 33,285,000 | $ 110,581 | $ 67,000 |
| Stockton, CA | 293 | $ 71,930,000 | $ 245,494 | $ 120,000 |
| Oakland-Fremont-Hayward, CA | 287 | $ 93,544,000 | $ 325,937 | $ 122,000 |
| Bakersfield, CA | 271 | $ 40,692,000 | $ 150,154 | $ 75,000 |
| Santa Ana-Anaheim-Irvine, CA | 244 | $ 83,829,000 | $ 343,561 | $ 124,000 |
| Tucson, AZ | 220 | $ 32,248,000 | $ 146,581 | $ 67,000 |
| Denver-Aurora, CO | 197 | $ 29,608,000 | $ 150,294 | $ 93,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 187 | $ 61,600,000 | $ 329,411 | $ 119,000 |
| Albuquerque, NM | 171 | $ 19,307,000 | $ 112,906 | $ 77,000 |
| Salt Lake City, UT | 151 | $ 18,178,000 | $ 120,384 | $ 99,000 |
| Visalia-Porterville, CA | 143 | $ 20,006,000 | $ 139,902 | $ 94,000 |
| Bend, OR | 137 | $ 20,175,000 | $ 147,262 | $ 75,000 |
| Medford, OR | 132 | $ 19,612,000 | $ 148,575 | $ 86,000 |
| Pueblo, CO | 123 | $ 9,190,000 | $ 74,715 | $ 58,000 |
| Ogden-Clearfield, UT | 109 | $ 12,167,000 | $ 111,623 | $ 60,000 |
| Orlando, FL | 106 | $ 16,431,000 | $ 155,009 | $ 58,000 |
| St. George, UT | 106 | $ 14,657,000 | $ 138,273 | $ 74,000 |
| Longview, WA | 101 | $ 10,093,000 | $ 99,930 | $ 56,000 |
| Spokane, WA | 101 | $ 10,160,000 | $ 100,594 | $ 74,000 |
| Vallejo-Fairfield, CA | 100 | $ 28,851,000 | $ 288,510 | $ 121,000 |
| Eugene-Springfield, OR | 98 | $ 12,273,000 | $ 125,234 | $ 59,000 |
| Madera, CA | 91 | $ 14,898,000 | $ 163,714 | $ 75,000 |
| Provo-Orem, UT | 82 | $ 8,695,000 | $ 106,036 | $ 77,000 |
| Bremerton-Silverdale, WA | 77 | $ 13,419,000 | $ 174,272 | $ 66,000 |
| Reno-Sparks, NV | 75 | $ 17,136,000 | $ 228,480 | $ 117,000 |
| Honolulu, HI | 74 | $ 21,405,000 | $ 289,256 | $ 135,000 |
| Jacksonville, FL | 74 | $ 9,334,000 | $ 126,135 | $ 104,000 |
| Farmington, NM | 71 | $ 9,206,000 | $ 129,661 | $ 63,000 |
| Sioux Falls, SD | 71 | $ 8,914,000 | $ 125,549 | $ 50,000 |
| Grand Junction, CO | 69 | $ 7,381,000 | $ 106,971 | $ 52,000 |
| Salinas, CA | 69 | $ 21,348,000 | $ 309,391 | $ 134,000 |
| Coeur D'Alene, ID | 58 | $ 9,101,000 | $ 156,913 | $ 185,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 56 | $ 18,703,000 | $ 333,982 | $ 133,000 |
| Yakima, WA | 56 | $ 4,974,000 | $ 88,821 | $ 57,000 |
| Prescott, AZ | 54 | $ 8,059,000 | $ 149,240 | $ 119,000 |
| Olympia, WA | 52 | $ 8,217,000 | $ 158,019 | $ 61,000 |
| Logan, UT-ID | 48 | $ 4,603,000 | $ 95,895 | $ 58,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 47 | $ 4,942,000 | $ 105,148 | $ 77,000 |
| Lakeland, FL | 47 | $ 5,191,000 | $ 110,446 | $ 58,000 |
| Santa Rosa-Petaluma, CA | 44 | $ 13,039,000 | $ 296,340 | $ 111,000 |
| Chico, CA | 40 | $ 5,906,000 | $ 147,650 | $ 77,000 |
| San Francisco-San Mateo-Redwood City, CA | 39 | $ 17,500,000 | $ 448,717 | $ 155,000 |
| El Centro, CA | 38 | $ 6,795,000 | $ 178,815 | $ 73,000 |
| Idaho Falls, ID | 38 | $ 3,730,000 | $ 98,157 | $ 76,000 |
| Greeley, CO | 37 | $ 6,375,000 | $ 172,297 | $ 108,000 |
| Hanford-Corcoran, CA | 36 | $ 4,293,000 | $ 119,250 | $ 67,000 |
| Lewiston, ID-WA | 36 | $ 3,219,000 | $ 89,416 | $ 52,000 |
| Redding, CA | 34 | $ 4,475,000 | $ 131,617 | $ 96,000 |
| Yuma, AZ | 34 | $ 4,696,000 | $ 138,117 | $ 105,000 |
| Yuba City, CA | 32 | $ 7,816,000 | $ 244,250 | $ 170,000 |
| Kennewick-Richland-Pasco, WA | 31 | $ 2,371,000 | $ 76,483 | $ 51,000 |
| Cape Coral-Fort Myers, FL | 29 | $ 4,754,000 | $ 163,931 | $ 71,000 |
| Ocala, FL | 26 | $ 3,631,000 | $ 139,653 | $ 80,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 25 | $ 8,189,000 | $ 327,560 | $ 139,000 |
| Las Cruces, NM | 24 | $ 2,768,000 | $ 115,333 | $ 75,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 23 | $ 4,580,000 | $ 199,130 | $ 95,000 |
| Mount Vernon-Anacortes, WA | 23 | $ 3,221,000 | $ 140,043 | $ 68,000 |
| Colorado Springs, CO | 21 | $ 4,201,000 | $ 200,047 | $ 75,000 |
| Pocatello, ID | 21 | $ 1,643,000 | $ 78,238 | $ 68,000 |
| Rapid City, SD | 21 | $ 2,998,000 | $ 142,761 | $ 77,000 |
| Vero Beach, FL | 20 | $ 2,847,000 | $ 142,350 | $ 61,000 |
| Boulder, CO | 19 | $ 3,800,000 | $ 200,000 | $ 75,000 |
| Detroit-Livonia-Dearborn, MI | 19 | $ 1,308,000 | $ 68,842 | $ 75,000 |
| Pensacola-Ferry Pass-Brent, FL | 19 | $ 2,358,000 | $ 124,105 | $ 78,000 |
| Fort Collins-Loveland, CO | 18 | $ 2,667,000 | $ 148,166 | $ 86,000 |
| Sarasota-Bradenton-Venice, FL | 17 | $ 4,405,000 | $ 259,117 | $ 84,000 |
| Bellingham, WA | 16 | $ 2,443,000 | $ 152,687 | $ 44,000 |
| Flagstaff, AZ | 16 | $ 3,235,000 | $ 202,187 | $ 92,000 |
| Port St. Lucie-Fort Pierce, FL | 14 | $ 1,889,000 | $ 134,928 | $ 83,000 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 4,573,000 | $ 326,642 | $ 141,000 |
| Grand Rapids-Wyoming, MI | 13 | $ 1,513,000 | $ 116,384 | $ 52,000 |
| Miami-Miami Beach-Kendall, FL | 13 | $ 3,125,000 | $ 240,384 | $ 176,000 |
| Santa Fe, NM | 13 | $ 3,064,000 | $ 235,692 | $ 158,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 1,253,000 | $ 104,416 | $ 28,000 |
| Wenatchee, WA | 12 | $ 1,527,000 | $ 127,250 | $ 73,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 12 | $ 2,341,000 | $ 195,083 | $ 59,000 |
| Nashville-Davidson--Murfreesboro, TN | 11 | $ 695,000 | $ 63,181 | $ 105,000 |
| Corvallis, OR | 9 | $ 869,000 | $ 96,555 | $ 49,000 |
| Gainesville, FL | 9 | $ 858,000 | $ 95,333 | $ 60,000 |
| Santa Cruz-Watsonville, CA | 9 | $ 3,284,000 | $ 364,888 | $ 126,000 |
| Tallahassee, FL | 8 | $ 1,336,000 | $ 167,000 | $ 48,000 |
| Dallas-Plano-Irving, TX | 7 | $ 1,896,000 | $ 270,857 | $ 107,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 7 | $ 1,436,000 | $ 205,142 | $ 57,000 |
| Naples-Marco Island, FL | 6 | $ 1,683,000 | $ 280,500 | $ 178,000 |
| San Antonio, TX | 6 | $ 614,000 | $ 102,333 | $ 54,000 |
| Austin-Round Rock, TX | 5 | $ 658,000 | $ 131,600 | $ 154,000 |
| Napa, CA | 5 | $ 1,360,000 | $ 272,000 | $ 117,000 |
| Punta Gorda, FL | 5 | $ 727,000 | $ 145,400 | $ 24,000 |
| St. Cloud, MN | 5 | $ 939,000 | $ 187,800 | $ 71,000 |
| Warren-Farmington Hills-Troy, MI | 5 | $ 1,201,000 | $ 240,200 | $ 103,000 |
| Flint, MI | 4 | $ 205,000 | $ 51,250 | $ 83,000 |
| Billings, MT | 3 | $ 328,000 | $ 109,333 | $ 77,000 |
| Carson City, NV | 3 | $ 491,000 | $ 163,666 | $ 32,000 |
| Holland-Grand Haven, MI | 3 | $ 646,000 | $ 215,333 | $ 58,000 |
| Barnstable Town, MA | 2 | $ 359,000 | $ 179,500 | $ 132,000 |
| El Paso, TX | 2 | $ 296,000 | $ 148,000 | $ 97,000 |
| Fort Walton Beach-Crestview-Destin, FL | 2 | $ 508,000 | $ 254,000 | $ 282,000 |
| Fort Worth-Arlington, TX | 2 | $ 247,000 | $ 123,500 | $ 276,000 |
| Gary, IN | 2 | $ 211,000 | $ 105,500 | $ 100,000 |
| Houston-Baytown-Sugar Land, TX | 2 | $ 137,000 | $ 68,500 | $ 33,000 |
| Midland, TX | 2 | $ 75,000 | $ 37,500 | $ 0 |
| Omaha-Council Bluffs, NE-IA | 2 | $ 118,000 | $ 59,000 | $ 56,000 |
| Panama City-Lynn Haven, FL | 2 | $ 347,000 | $ 173,500 | $ 51,000 |
| Philadelphia, PA | 2 | $ 1,295,000 | $ 647,500 | $ 251,000 |
| St. Louis, MO-IL | 2 | $ 125,000 | $ 62,500 | $ 0 |
| Baltimore-Towson, MD | 1 | $ 107,000 | $ 107,000 | $ 0 |
| Camden, NJ | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Champaign-Urbana, IL | 1 | $ 186,000 | $ 186,000 | $ 0 |
| Chicago-Naperville-Joliet, IL | 1 | $ 126,000 | $ 126,000 | $ 314,000 |
| Cincinnati-Middletown, OH-KY-IN | 1 | $ 286,000 | $ 286,000 | $ 92,000 |
| Columbus, OH | 1 | $ 120,000 | $ 120,000 | $ 161,000 |
| Edison, NJ | 1 | $ 256,000 | $ 256,000 | $ 60,000 |
| Evansville, IN-KY | 1 | $ 580,000 | $ 580,000 | $ 360,000 |
| Greenville, SC | 1 | $ 416,000 | $ 416,000 | $ 105,000 |
| Killeen-Temple-Fort Hood, TX | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Lansing-East Lansing, MI | 1 | $ 259,000 | $ 259,000 | $ 94,000 |
| Memphis, TN-MS-AR | 1 | $ 328,000 | $ 328,000 | $ 200,000 |
| Missoula, MT | 1 | $ 103,000 | $ 103,000 | $ 73,000 |
| New Orleans-Metairie-Kenner, LA | 1 | $ 225,000 | $ 225,000 | $ 92,000 |
| Niles-Benton Harbor, MI | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Oklahoma City, OK | 1 | $ 93,000 | $ 93,000 | $ 0 |
| Rochester, MN | 1 | $ 266,000 | $ 266,000 | $ 92,000 |
| Tulsa, OK | 1 | $ 51,000 | $ 51,000 | $ 21,000 |
| York-Hanover, PA | 1 | $ 74,000 | $ 74,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for American Mortgage Express in 2005
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 | 11,085 | $1,910,066,000 | $149,827 | $1,950,000 | $92,689 | $3,328,000 |
| Refinancing | 8,406 | $1,923,877,000 | $174,518 | $2,835,000 | $77,296 | $2,178,000 |
| 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 | 8,314 | $1,499,864,000 | $167,333 | $2,300,000 | $104,625 | $2,094,000 |
| Hispanic | 5,299 | $954,286,000 | $133,692 | $1,275,000 | $70,307 | $1,800,000 |
| Not Provided | 3,429 | $830,872,000 | $162,000 | $2,835,000 | $79,178 | $2,178,000 |
| Black or African American | 1,200 | $245,671,000 | $155,470 | $1,950,000 | $84,352 | $1,434,000 |
| Asian | 897 | $229,684,000 | $213,000 | $1,500,000 | $129,538 | $1,181,000 |
| Native Hawaiian or Other Pacific Islander | 248 | $57,854,000 | $156,636 | $1,680,000 | $104,909 | $3,328,000 |
| American Indian or Alaskan Native | 104 | $15,712,000 | $135,100 | $450,000 | $62,200 | $369,000 |
| 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) | 19,448 | $3,828,145,000 | $167,156 | $2,835,000 | $92,718 | $3,328,000 |
| FHA-insured (Federal Housing Administration) | 29 | $3,504,000 | $152,000 | $255,000 | $30,666 | $85,000 |
| VA-guaranteed (Veterans Administration) | 14 | $2,294,000 | $193,333 | $334,000 | $57,333 | $112,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 8,615 | $1,755,179,000 | $169,192 | $2,835,000 | $103,153 | $2,178,000 |
| Application Approved But Not Accepted | 4,839 | $918,535,000 | $148,294 | $1,817,000 | $83,176 | $1,966,000 |
| Application Denied By Financial Institution | 3,909 | $743,950,000 | $157,650 | $2,200,000 | $95,300 | $3,328,000 |
| Application Withdrawn By Applicant | 1,642 | $317,955,000 | $137,227 | $1,625,000 | $61,727 | $1,800,000 |
| File Closed For Incompleteness | 486 | $98,324,000 | $133,066 | $1,700,000 | $91,200 | $1,790,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 892 | $147,717,000 | $167,285 | $1,200,000 | $71,214 | $735,000 |
| Debt-To-Income Ratio | 487 | $91,577,000 | $162,923 | $1,000,000 | $73,615 | $720,000 |
| Other | 370 | $66,971,000 | $139,615 | $1,200,000 | $91,461 | $1,116,000 |
| Collateral | 325 | $54,833,000 | $148,142 | $900,000 | $156,285 | $3,328,000 |
| Employment History | 114 | $17,399,000 | $141,000 | $620,000 | $81,083 | $347,000 |
| Unverifiable Information | 26 | $4,633,000 | $152,666 | $725,000 | $88,444 | $240,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,855,000 | $176,428 | $524,000 | $67,571 | $105,000 |
| Credit Application Incomplete | 3 | $587,000 | $195,000 | $270,000 | $73,000 | $80,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into American Mortgage Express's 2005 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 American Mortgage Express'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 California, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About