Americash Mortgage Lending & HMDA Data, 2008
In 2008, Americash of Costa Mesa, CA reported 624 mortgage applications totaling $158.4 million, down 70% from 2007. The average application was for $253,916, and applicants reported an average income of $119,605. 100% of its applications resulted in an originated loan and 0% were denied. Its largest markets were Dallas-Plano-Irving, TX (44), Houston-Sugar Land-Baytown, TX (43) and Los Angeles-Long Beach-Glendale, CA (35) (applications in parentheses).
| Mortgage Company & Address | Americash 3080 Bristol Street, Suite 300 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 624 |
| Total Mortgage Loan Application Amount | $158,444,000 |
| Average Mortgage Loan Application Amount | $253,916 |
| Highest Mortgage Loan Application Amount | $1,016,000 |
| Average Applicant Income | $119,605 |
| Highest Applicant Income | $1,000,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Americash filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles, California | 35 | $ 11,689,000 | $ 333,971 | $ 109,000 |
| Harris, Texas | 27 | $ 5,566,000 | $ 206,148 | $ 120,000 |
| Orange, California | 23 | $ 7,444,000 | $ 323,652 | $ 159,000 |
| Dallas, Texas | 18 | $ 3,826,000 | $ 212,555 | $ 136,000 |
| Tarrant, Texas | 16 | $ 3,682,000 | $ 230,125 | $ 118,000 |
| Cook, Illinois | 15 | $ 4,740,000 | $ 316,000 | $ 152,000 |
| Bexar, Texas | 14 | $ 3,255,000 | $ 232,500 | $ 106,000 |
| Collin, Texas | 14 | $ 3,067,000 | $ 219,071 | $ 115,000 |
| Maricopa, Arizona | 13 | $ 3,326,000 | $ 255,846 | $ 79,000 |
| Travis, Texas | 12 | $ 2,905,000 | $ 242,083 | $ 147,000 |
| San Diego, California | 11 | $ 4,522,000 | $ 411,090 | $ 150,000 |
| King, Washington | 11 | $ 3,928,000 | $ 357,090 | $ 147,000 |
| Sacramento, California | 10 | $ 3,041,000 | $ 304,100 | $ 136,000 |
| Denton, Texas | 10 | $ 2,437,000 | $ 243,700 | $ 144,000 |
| Riverside, California | 9 | $ 2,081,000 | $ 231,222 | $ 92,000 |
| San Bernardino, California | 9 | $ 2,256,000 | $ 250,666 | $ 135,000 |
| Davis, Utah | 9 | $ 1,549,000 | $ 172,111 | $ 66,000 |
| Salt Lake, Utah | 8 | $ 2,127,000 | $ 265,875 | $ 81,000 |
| Utah, Utah | 8 | $ 2,548,000 | $ 318,500 | $ 114,000 |
| Montgomery, Texas | 7 | $ 2,066,000 | $ 295,142 | $ 106,000 |
| Williamson, Texas | 6 | $ 1,163,000 | $ 193,833 | $ 83,000 |
| Alameda, California | 5 | $ 1,955,000 | $ 391,000 | $ 134,000 |
| Denver, Colorado | 5 | $ 814,000 | $ 162,800 | $ 120,000 |
| Ada, Idaho | 5 | $ 1,249,000 | $ 249,800 | $ 107,000 |
| El Paso, Texas | 5 | $ 816,000 | $ 163,200 | $ 94,000 |
| Pierce, Washington | 5 | $ 1,110,000 | $ 222,000 | $ 89,000 |
| Contra Costa, California | 4 | $ 938,000 | $ 234,500 | $ 122,000 |
| Santa Clara, California | 4 | $ 2,228,000 | $ 557,000 | $ 173,000 |
| Hartford, Connecticut | 4 | $ 1,001,000 | $ 250,250 | $ 101,000 |
| Will, Illinois | 4 | $ 888,000 | $ 222,000 | $ 104,000 |
| Marion, Oregon | 4 | $ 956,000 | $ 239,000 | $ 89,000 |
| Washington, Oregon | 4 | $ 831,000 | $ 207,750 | $ 102,000 |
| Fort Bend, Texas | 4 | $ 1,025,000 | $ 256,250 | $ 196,000 |
| Hays, Texas | 4 | $ 782,000 | $ 195,500 | $ 94,000 |
| Clark, Washington | 4 | $ 976,000 | $ 244,000 | $ 126,000 |
| Pima, Arizona | 3 | $ 1,027,000 | $ 342,333 | $ 110,000 |
| Yavapai, Arizona | 3 | $ 852,000 | $ 284,000 | $ 80,000 |
| Fresno, California | 3 | $ 960,000 | $ 320,000 | $ 99,000 |
| Placer, California | 3 | $ 581,000 | $ 193,666 | $ 80,000 |
| San Mateo, California | 3 | $ 1,616,000 | $ 538,666 | $ 426,000 |
| Santa Cruz, California | 3 | $ 817,000 | $ 272,333 | $ 96,000 |
| Ventura, California | 3 | $ 967,000 | $ 322,333 | $ 109,000 |
| Boulder, Colorado | 3 | $ 742,000 | $ 247,333 | $ 132,000 |
| Douglas, Colorado | 3 | $ 846,000 | $ 282,000 | $ 73,000 |
| Fairfield, Connecticut | 3 | $ 1,145,000 | $ 381,666 | $ 106,000 |
| Brevard, Florida | 3 | $ 642,000 | $ 214,000 | $ 138,000 |
| Palm Beach, Florida | 3 | $ 770,000 | $ 256,666 | $ 66,000 |
| DuPage, Illinois | 3 | $ 623,000 | $ 207,666 | $ 112,000 |
| Multnomah, Oregon | 3 | $ 744,000 | $ 248,000 | $ 102,000 |
| Brazoria, Texas | 3 | $ 492,000 | $ 164,000 | $ 145,000 |
| Comal, Texas | 3 | $ 719,000 | $ 239,666 | $ 99,000 |
| Weber, Utah | 3 | $ 553,000 | $ 184,333 | $ 58,000 |
| Mohave, Arizona | 2 | $ 272,000 | $ 136,000 | $ 66,000 |
| El Dorado, California | 2 | $ 649,000 | $ 324,500 | $ 295,000 |
| Kern, California | 2 | $ 313,000 | $ 156,500 | $ 60,000 |
| Marin, California | 2 | $ 1,201,000 | $ 600,500 | $ 229,000 |
| San Luis Obispo, California | 2 | $ 598,000 | $ 299,000 | $ 88,000 |
| Siskiyou, California | 2 | $ 325,000 | $ 162,500 | $ 69,000 |
| Solano, California | 2 | $ 507,000 | $ 253,500 | $ 119,000 |
| Adams, Colorado | 2 | $ 545,000 | $ 272,500 | $ 100,000 |
| Garfield, Colorado | 2 | $ 513,000 | $ 256,500 | $ 85,000 |
| Marion, Florida | 2 | $ 483,000 | $ 241,500 | $ 125,000 |
| Seminole, Florida | 2 | $ 617,000 | $ 308,500 | $ 106,000 |
| Kootenai, Idaho | 2 | $ 645,000 | $ 322,500 | $ 85,000 |
| Wayne, Michigan | 2 | $ 362,000 | $ 181,000 | $ 954,000 |
| St. Charles, Missouri | 2 | $ 362,000 | $ 181,000 | $ 85,000 |
| Bernalillo, New Mexico | 2 | $ 555,000 | $ 277,500 | $ 124,000 |
| Tulsa, Oklahoma | 2 | $ 462,000 | $ 231,000 | $ 68,000 |
| Jackson, Oregon | 2 | $ 435,000 | $ 217,500 | $ 53,000 |
| Bell, Texas | 2 | $ 315,000 | $ 157,500 | $ 96,000 |
| Galveston, Texas | 2 | $ 328,000 | $ 164,000 | $ 123,000 |
| Midland, Texas | 2 | $ 257,000 | $ 128,500 | $ 68,000 |
| Upshur, Texas | 2 | $ 305,000 | $ 152,500 | $ 80,000 |
| Washington, Texas | 2 | $ 439,000 | $ 219,500 | $ 99,000 |
| Washington, Utah | 2 | $ 503,000 | $ 251,500 | $ 61,000 |
| Dane, Wisconsin | 2 | $ 456,000 | $ 228,000 | $ 110,000 |
| Waukesha, Wisconsin | 2 | $ 341,000 | $ 170,500 | $ 70,000 |
| Apache, Arizona | 1 | $ 282,000 | $ 282,000 | $ 85,000 |
| Cochise, Arizona | 1 | $ 208,000 | $ 208,000 | $ 86,000 |
| Coconino, Arizona | 1 | $ 359,000 | $ 359,000 | $ 59,000 |
| La Paz, Arizona | 1 | $ 417,000 | $ 417,000 | $ 845,000 |
| Pinal, Arizona | 1 | $ 137,000 | $ 137,000 | $ 65,000 |
| Yuma, Arizona | 1 | $ 125,000 | $ 125,000 | $ 21,000 |
| Humboldt, California | 1 | $ 173,000 | $ 173,000 | $ 75,000 |
| Nevada, California | 1 | $ 217,000 | $ 217,000 | $ 150,000 |
| San Francisco, California | 1 | $ 412,000 | $ 412,000 | $ 180,000 |
| San Joaquin, California | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Sonoma, California | 1 | $ 169,000 | $ 169,000 | $ 77,000 |
| Stanislaus, California | 1 | $ 137,000 | $ 137,000 | $ 48,000 |
| Tulare, California | 1 | $ 150,000 | $ 150,000 | $ 104,000 |
| Eagle, Colorado | 1 | $ 417,000 | $ 417,000 | $ 81,000 |
| El Paso, Colorado | 1 | $ 190,000 | $ 190,000 | $ 118,000 |
| Jefferson, Colorado | 1 | $ 253,000 | $ 253,000 | $ 70,000 |
| Larimer, Colorado | 1 | $ 306,000 | $ 306,000 | $ 78,000 |
| Mesa, Colorado | 1 | $ 308,000 | $ 308,000 | $ 84,000 |
| San Miguel, Colorado | 1 | $ 523,000 | $ 523,000 | $ 409,000 |
| Weld, Colorado | 1 | $ 91,000 | $ 91,000 | $ 15,000 |
| New Haven, Connecticut | 1 | $ 272,000 | $ 272,000 | $ 150,000 |
| New London, Connecticut | 1 | $ 200,000 | $ 200,000 | $ 62,000 |
| Windham, Connecticut | 1 | $ 113,000 | $ 113,000 | $ 61,000 |
| Alachua, Florida | 1 | $ 225,000 | $ 225,000 | $ 65,000 |
| Duval, Florida | 1 | $ 147,000 | $ 147,000 | $ 33,000 |
| Highlands, Florida | 1 | $ 256,000 | $ 256,000 | $ 113,000 |
| Hillsborough, Florida | 1 | $ 144,000 | $ 144,000 | $ 68,000 |
| Manatee, Florida | 1 | $ 268,000 | $ 268,000 | $ 160,000 |
| Okaloosa, Florida | 1 | $ 544,000 | $ 544,000 | $ 148,000 |
| Orange, Florida | 1 | $ 264,000 | $ 264,000 | $ 202,000 |
| Pasco, Florida | 1 | $ 198,000 | $ 198,000 | $ 89,000 |
| Pinellas, Florida | 1 | $ 100,000 | $ 100,000 | $ 105,000 |
| Sarasota, Florida | 1 | $ 127,000 | $ 127,000 | $ 79,000 |
| Bingham, Idaho | 1 | $ 166,000 | $ 166,000 | $ 55,000 |
| Caribou, Idaho | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Franklin, Idaho | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Nez Perce, Idaho | 1 | $ 261,000 | $ 261,000 | $ 59,000 |
| Bureau, Illinois | 1 | $ 154,000 | $ 154,000 | $ 112,000 |
| Grundy, Illinois | 1 | $ 178,000 | $ 178,000 | $ 45,000 |
| Johnson, Illinois | 1 | $ 63,000 | $ 63,000 | $ 150,000 |
| Lake, Illinois | 1 | $ 276,000 | $ 276,000 | $ 189,000 |
| McHenry, Illinois | 1 | $ 232,000 | $ 232,000 | $ 65,000 |
| Union, Illinois | 1 | $ 209,000 | $ 209,000 | $ 112,000 |
| Winnebago, Illinois | 1 | $ 125,000 | $ 125,000 | $ 42,000 |
| Allen, Indiana | 1 | $ 161,000 | $ 161,000 | $ 90,000 |
| LaGrange, Indiana | 1 | $ 365,000 | $ 365,000 | $ 54,000 |
| Barry, Michigan | 1 | $ 76,000 | $ 76,000 | $ 37,000 |
| Oakland, Michigan | 1 | $ 870,000 | $ 870,000 | $ 958,000 |
| Carver, Minnesota | 1 | $ 160,000 | $ 160,000 | $ 70,000 |
| Clay, Minnesota | 1 | $ 112,000 | $ 112,000 | $ 48,000 |
| Douglas, Minnesota | 1 | $ 90,000 | $ 90,000 | $ 40,000 |
| Washington, Minnesota | 1 | $ 269,000 | $ 269,000 | $ 104,000 |
| Greene, Missouri | 1 | $ 157,000 | $ 157,000 | $ 68,000 |
| Newton, Missouri | 1 | $ 208,000 | $ 208,000 | $ 180,000 |
| St. Louis, Missouri | 1 | $ 242,000 | $ 242,000 | $ 274,000 |
| Colfax, New Mexico | 1 | $ 417,000 | $ 417,000 | $ 360,000 |
| Sandoval, New Mexico | 1 | $ 111,000 | $ 111,000 | $ 35,000 |
| Pittsburg, Oklahoma | 1 | $ 184,000 | $ 184,000 | $ 100,000 |
| Josephine, Oregon | 1 | $ 205,000 | $ 205,000 | $ 192,000 |
| Klamath, Oregon | 1 | $ 220,000 | $ 220,000 | $ 119,000 |
| Lane, Oregon | 1 | $ 224,000 | $ 224,000 | $ 79,000 |
| Anderson, South Carolina | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Berkeley, South Carolina | 1 | $ 142,000 | $ 142,000 | $ 37,000 |
| Spartanburg, South Carolina | 1 | $ 270,000 | $ 270,000 | $ 64,000 |
| Davidson, Tennessee | 1 | $ 104,000 | $ 104,000 | $ 54,000 |
| DeKalb, Tennessee | 1 | $ 417,000 | $ 417,000 | $ 128,000 |
| Knox, Tennessee | 1 | $ 171,000 | $ 171,000 | $ 103,000 |
| Maury, Tennessee | 1 | $ 196,000 | $ 196,000 | $ 42,000 |
| Sullivan, Tennessee | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Burnet, Texas | 1 | $ 301,000 | $ 301,000 | $ 53,000 |
| Ellis, Texas | 1 | $ 324,000 | $ 324,000 | $ 128,000 |
| Gregg, Texas | 1 | $ 148,000 | $ 148,000 | $ 87,000 |
| Guadalupe, Texas | 1 | $ 176,000 | $ 176,000 | $ 90,000 |
| Henderson, Texas | 1 | $ 245,000 | $ 245,000 | $ 296,000 |
| Hidalgo, Texas | 1 | $ 213,000 | $ 213,000 | $ 122,000 |
| Hopkins, Texas | 1 | $ 136,000 | $ 136,000 | $ 109,000 |
| Johnson, Texas | 1 | $ 144,000 | $ 144,000 | $ 81,000 |
| Lampasas, Texas | 1 | $ 149,000 | $ 149,000 | $ 80,000 |
| Limestone, Texas | 1 | $ 156,000 | $ 156,000 | $ 55,000 |
| Nueces, Texas | 1 | $ 300,000 | $ 300,000 | $ 90,000 |
| Randall, Texas | 1 | $ 238,000 | $ 238,000 | $ 92,000 |
| Robertson, Texas | 1 | $ 282,000 | $ 282,000 | $ 159,000 |
| Rockwall, Texas | 1 | $ 139,000 | $ 139,000 | $ 90,000 |
| Scurry, Texas | 1 | $ 160,000 | $ 160,000 | $ 81,000 |
| Smith, Texas | 1 | $ 184,000 | $ 184,000 | $ 223,000 |
| Taylor, Texas | 1 | $ 137,000 | $ 137,000 | $ 55,000 |
| Wilson, Texas | 1 | $ 224,000 | $ 224,000 | $ 150,000 |
| Wasatch, Utah | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| Cowlitz, Washington | 1 | $ 206,000 | $ 206,000 | $ 104,000 |
| Kitsap, Washington | 1 | $ 230,000 | $ 230,000 | $ 104,000 |
| Mason, Washington | 1 | $ 163,000 | $ 163,000 | $ 73,000 |
| Snohomish, Washington | 1 | $ 265,000 | $ 265,000 | $ 76,000 |
| Bayfield, Wisconsin | 1 | $ 264,000 | $ 264,000 | $ 60,000 |
| Jefferson, Wisconsin | 1 | $ 270,000 | $ 270,000 | $ 103,000 |
| Kenosha, Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 62,000 |
| Milwaukee, Wisconsin | 1 | $ 253,000 | $ 253,000 | $ 133,000 |
| Outagamie, Wisconsin | 1 | $ 167,000 | $ 167,000 | $ 59,000 |
| Portage, Wisconsin | 1 | $ 128,000 | $ 128,000 | $ 45,000 |
| Vilas, Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 143,000 |
| Laramie, Wyoming | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
Mortgage Loan Application Detail Totals for Americash in 2008
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 |
|---|---|---|---|---|---|---|
| Refinancing | 592 | $149,003,000 | $251,000 | $894,000 | $118,000 | $1,000,000 |
| Home Purchase | 31 | $9,221,000 | $297,000 | $1,016,000 | $150,000 | $845,000 |
| Home Improvement | 1 | $220,000 | $220,000 | $220,000 | $128,000 | $128,000 |
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 | 370 | $92,681,000 | $250,000 | $885,000 | $117,000 | $1,000,000 |
| Not Provided | 189 | $49,797,000 | $263,000 | $1,016,000 | $132,000 | $958,000 |
| Hispanic | 34 | $7,584,000 | $223,000 | $404,000 | $83,000 | $243,000 |
| Asian | 12 | $2,791,000 | $232,000 | $417,000 | $112,000 | $160,000 |
| Black or African American | 8 | $1,801,000 | $225,000 | $368,000 | $86,000 | $114,000 |
| American Indian or Alaskan Native | 7 | $2,241,000 | $320,000 | $417,000 | $105,000 | $193,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $1,549,000 | $387,000 | $608,000 | $151,000 | $229,000 |
| 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) | 567 | $145,398,000 | $256,000 | $1,016,000 | $123,000 | $1,000,000 |
| FHA-insured (Federal Housing Administration) | 55 | $12,349,000 | $224,000 | $740,000 | $77,000 | $239,000 |
| VA-guaranteed (Veterans Administration) | 2 | $697,000 | $348,000 | $417,000 | $108,000 | $145,000 |
| 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 | 624 | $158,444,000 | $253,000 | $1,016,000 | $119,000 | $1,000,000 |
| 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 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Denied By Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Withdrawn By Applicant | 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Americash's 2008 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 Americash'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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