Americash Mortgage Lending & HMDA Data, 2004
In 2004, Americash of Costa Mesa, CA reported 2,418 mortgage applications totaling $652.2 million, down 12% from 2003. The average application was for $269,730, and applicants reported an average income of $87,614. 64% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (320), Riverside-San Bernardino-Ontario, CA (261) and Santa Ana-Anaheim-Irvine, CA (175) (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 | 2,418 |
| Total Mortgage Loan Application Amount | $652,209,000 |
| Average Mortgage Loan Application Amount | $269,730 |
| Highest Mortgage Loan Application Amount | $1,300,000 |
| Average Applicant Income | $87,614 |
| Highest Applicant Income | $1,800,000 |
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Disclosure Act (HMDA) records Americash filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 320 | $ 106,775,000 | $ 333,671 | $ 97,000 |
| Riverside-San Bernardino-Ontario, CA | 261 | $ 60,804,000 | $ 232,965 | $ 94,000 |
| Santa Ana-Anaheim-Irvine, CA | 175 | $ 58,620,000 | $ 334,971 | $ 115,000 |
| San Diego-Carlsbad-San Marcos, CA | 125 | $ 42,928,000 | $ 343,424 | $ 103,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 111 | $ 29,944,000 | $ 269,765 | $ 92,000 |
| Oakland-Fremont-Hayward, CA | 108 | $ 37,615,000 | $ 348,287 | $ 106,000 |
| Chicago-Naperville-Joliet, IL | 90 | $ 20,902,000 | $ 232,244 | $ 85,000 |
| Seattle-Bellevue-Everett, WA | 59 | $ 15,901,000 | $ 269,508 | $ 82,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 54 | $ 20,557,000 | $ 380,685 | $ 115,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 50 | $ 9,171,000 | $ 183,420 | $ 72,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 46 | $ 15,812,000 | $ 343,739 | $ 95,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 43 | $ 8,410,000 | $ 195,581 | $ 62,000 |
| Orlando, FL | 41 | $ 7,683,000 | $ 187,390 | $ 94,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 6,592,000 | $ 160,780 | $ 80,000 |
| Jacksonville, FL | 40 | $ 6,914,000 | $ 172,850 | $ 64,000 |
| Stockton, CA | 38 | $ 9,129,000 | $ 240,236 | $ 95,000 |
| San Francisco-San Mateo-Redwood City, CA | 37 | $ 17,881,000 | $ 483,270 | $ 127,000 |
| Santa Rosa-Petaluma, CA | 31 | $ 9,941,000 | $ 320,677 | $ 80,000 |
| Vallejo-Fairfield, CA | 31 | $ 7,821,000 | $ 252,290 | $ 80,000 |
| Modesto, CA | 28 | $ 5,090,000 | $ 181,785 | $ 77,000 |
| Fresno, CA | 23 | $ 4,489,000 | $ 195,173 | $ 61,000 |
| Denver-Aurora, CO | 22 | $ 5,299,000 | $ 240,863 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 21 | $ 4,709,000 | $ 224,238 | $ 86,000 |
| Portland-Vancouver-Beaverton, OR-WA | 21 | $ 5,148,000 | $ 245,142 | $ 90,000 |
| Tacoma, WA | 19 | $ 3,043,000 | $ 160,157 | $ 58,000 |
| Lake County-Kenosha County, IL-WI | 15 | $ 5,333,000 | $ 355,533 | $ 118,000 |
| Santa Cruz-Watsonville, CA | 15 | $ 5,070,000 | $ 338,000 | $ 115,000 |
| Nashville-Davidson--Murfreesboro, TN | 14 | $ 2,474,000 | $ 176,714 | $ 80,000 |
| San Luis Obispo-Paso Robles, CA | 14 | $ 4,264,000 | $ 304,571 | $ 94,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 14 | $ 5,719,000 | $ 408,500 | $ 83,000 |
| Salinas, CA | 12 | $ 4,536,000 | $ 378,000 | $ 107,000 |
| Visalia-Porterville, CA | 12 | $ 2,456,000 | $ 204,666 | $ 61,000 |
| Palm Bay-Melbourne-Titusville, FL | 11 | $ 2,013,000 | $ 183,000 | $ 62,000 |
| Bakersfield, CA | 10 | $ 2,339,000 | $ 233,900 | $ 89,000 |
| Colorado Springs, CO | 10 | $ 1,945,000 | $ 194,500 | $ 65,000 |
| Oklahoma City, OK | 10 | $ 1,366,000 | $ 136,600 | $ 77,000 |
| Albuquerque, NM | 9 | $ 1,385,000 | $ 153,888 | $ 67,000 |
| Milwaukee-Waukesha-West Allis, WI | 9 | $ 1,615,000 | $ 179,444 | $ 71,000 |
| Salt Lake City, UT | 9 | $ 2,141,000 | $ 237,888 | $ 79,000 |
| Cape Coral-Fort Myers, FL | 8 | $ 1,400,000 | $ 175,000 | $ 69,000 |
| Sarasota-Bradenton-Venice, FL | 8 | $ 1,630,000 | $ 203,750 | $ 97,000 |
| Boulder, CO | 7 | $ 2,856,000 | $ 408,000 | $ 91,000 |
| Yuba City, CA | 7 | $ 1,268,000 | $ 181,142 | $ 47,000 |
| Merced, CA | 6 | $ 1,170,000 | $ 195,000 | $ 81,000 |
| Napa, CA | 6 | $ 1,517,000 | $ 252,833 | $ 106,000 |
| Redding, CA | 6 | $ 1,073,000 | $ 178,833 | $ 55,000 |
| Eugene-Springfield, OR | 5 | $ 910,000 | $ 182,000 | $ 67,000 |
| Fort Walton Beach-Crestview-Destin, FL | 5 | $ 1,439,000 | $ 287,800 | $ 140,000 |
| Hanford-Corcoran, CA | 5 | $ 812,000 | $ 162,400 | $ 65,000 |
| Ogden-Clearfield, UT | 5 | $ 754,000 | $ 150,800 | $ 154,000 |
| Provo-Orem, UT | 5 | $ 984,000 | $ 196,800 | $ 83,000 |
| Bellingham, WA | 4 | $ 816,000 | $ 204,000 | $ 57,000 |
| Greeley, CO | 4 | $ 858,000 | $ 214,500 | $ 116,000 |
| Olympia, WA | 4 | $ 1,120,000 | $ 280,000 | $ 82,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 660,000 | $ 165,000 | $ 83,000 |
| Rockford, IL | 4 | $ 816,000 | $ 204,000 | $ 79,000 |
| Spokane, WA | 4 | $ 807,000 | $ 201,750 | $ 67,000 |
| St. Louis, MO-IL | 4 | $ 559,000 | $ 139,750 | $ 59,000 |
| Tulsa, OK | 4 | $ 1,031,000 | $ 257,750 | $ 107,000 |
| Chico, CA | 3 | $ 933,000 | $ 311,000 | $ 178,000 |
| El Centro, CA | 3 | $ 346,000 | $ 115,333 | $ 79,000 |
| Lakeland, FL | 3 | $ 688,000 | $ 229,333 | $ 101,000 |
| Memphis, TN-MS-AR | 3 | $ 650,000 | $ 216,666 | $ 122,000 |
| Naples-Marco Island, FL | 3 | $ 569,000 | $ 189,666 | $ 75,000 |
| Panama City-Lynn Haven, FL | 3 | $ 509,000 | $ 169,666 | $ 108,000 |
| Port St. Lucie-Fort Pierce, FL | 3 | $ 488,000 | $ 162,666 | $ 57,000 |
| Tallahassee, FL | 3 | $ 461,000 | $ 153,666 | $ 61,000 |
| Bend, OR | 2 | $ 217,000 | $ 108,500 | $ 50,000 |
| Bremerton-Silverdale, WA | 2 | $ 336,000 | $ 168,000 | $ 49,000 |
| Chattanooga, TN-GA | 2 | $ 413,000 | $ 206,500 | $ 63,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 455,000 | $ 227,500 | $ 81,000 |
| Gainesville, FL | 2 | $ 467,000 | $ 233,500 | $ 155,000 |
| Longview, WA | 2 | $ 519,000 | $ 259,500 | $ 129,000 |
| Madison, WI | 2 | $ 360,000 | $ 180,000 | $ 71,000 |
| Medford, OR | 2 | $ 542,000 | $ 271,000 | $ 79,000 |
| Salem, OR | 2 | $ 249,000 | $ 124,500 | $ 41,000 |
| St. George, UT | 2 | $ 300,000 | $ 150,000 | $ 58,000 |
| Vero Beach, FL | 2 | $ 266,000 | $ 133,000 | $ 57,000 |
| Yakima, WA | 2 | $ 308,000 | $ 154,000 | $ 97,000 |
| Appleton, WI | 1 | $ 123,000 | $ 123,000 | $ 100,000 |
| Boise City-Nampa, ID | 1 | $ 320,000 | $ 320,000 | $ 107,000 |
| Canton-Massillon, OH | 1 | $ 103,000 | $ 103,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 56,000 | $ 56,000 | $ 18,000 |
| Danville, IL | 1 | $ 106,000 | $ 106,000 | $ 66,000 |
| Eau Claire, WI | 1 | $ 144,000 | $ 144,000 | $ 0 |
| Farmington, NM | 1 | $ 132,000 | $ 132,000 | $ 70,000 |
| Fort Collins-Loveland, CO | 1 | $ 228,000 | $ 228,000 | $ 112,000 |
| Grand Junction, CO | 1 | $ 206,000 | $ 206,000 | $ 69,000 |
| Green Bay, WI | 1 | $ 104,000 | $ 104,000 | $ 54,000 |
| Kankakee-Bradley, IL | 1 | $ 147,000 | $ 147,000 | $ 198,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| La Crosse, WI-MN | 1 | $ 172,000 | $ 172,000 | $ 41,000 |
| Madera, CA | 1 | $ 250,000 | $ 250,000 | $ 61,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 315,000 | $ 315,000 | $ 90,000 |
| Ocala, FL | 1 | $ 44,000 | $ 44,000 | $ 36,000 |
| Peoria, IL | 1 | $ 129,000 | $ 129,000 | $ 33,000 |
| Santa Fe, NM | 1 | $ 165,000 | $ 165,000 | $ 35,000 |
| Springfield, IL | 1 | $ 94,000 | $ 94,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for Americash in 2004
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 | 2,339 | $626,587,000 | $190,388 | $1,300,000 | $69,055 | $900,000 |
| Home Purchase | 79 | $25,622,000 | $219,333 | $1,078,000 | $126,222 | $1,800,000 |
| 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 | 1,470 | $414,780,000 | $193,944 | $1,078,000 | $72,166 | $900,000 |
| Not Provided | 558 | $143,562,000 | $188,642 | $975,000 | $75,142 | $480,000 |
| Hispanic | 200 | $45,854,000 | $202,750 | $600,000 | $82,125 | $270,000 |
| Black or African American | 86 | $19,281,000 | $209,750 | $580,000 | $77,125 | $1,800,000 |
| Asian | 64 | $18,290,000 | $198,200 | $1,300,000 | $79,800 | $240,000 |
| Native Hawaiian or Other Pacific Islander | 26 | $7,065,000 | $180,750 | $600,000 | $70,000 | $171,000 |
| American Indian or Alaskan Native | 14 | $3,377,000 | $191,750 | $400,000 | $54,750 | $108,000 |
| 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) | 2,415 | $651,193,000 | $189,555 | $1,300,000 | $71,166 | $1,800,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 2 | $784,000 | $392,000 | $480,000 | $76,000 | $78,000 |
| VA-guaranteed (Veterans Administration) | 1 | $232,000 | $232,000 | $232,000 | $72,000 | $72,000 |
| FHA-insured (Federal Housing Administration) | 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 | 1,546 | $432,432,000 | $196,933 | $1,300,000 | $77,333 | $900,000 |
| Application Approved But Not Accepted | 374 | $93,925,000 | $205,000 | $966,000 | $74,615 | $417,000 |
| Application Withdrawn By Applicant | 327 | $80,773,000 | $179,857 | $999,000 | $68,571 | $1,800,000 |
| Application Denied By Financial Institution | 159 | $41,470,000 | $205,066 | $900,000 | $76,733 | $300,000 |
| File Closed For Incompleteness | 12 | $3,609,000 | $266,600 | $1,078,000 | $90,400 | $312,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2004 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.
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