Americash Mortgage Lending & HMDA Data, 2007

In 2007, Americash of Costa Mesa, CA reported 2,055 mortgage applications totaling $543.6 million, down 24% from 2006. The average application was for $264,541, and applicants reported an average income of $115,532. 49% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (155), Phoenix-Mesa-Scottsdale, AZ (136) and Riverside-San Bernardino-Ontario, CA (114) (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 2,055
Total Mortgage Loan Application Amount $543,632,000
Average Mortgage Loan Application Amount $264,541
Highest Mortgage Loan Application Amount $3,200,000
Average Applicant Income $115,532
Highest Applicant Income $1,954,000

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Disclosure Act (HMDA) records Americash filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for Americash by Metropolitan Area in 2007

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 155 $ 62,663,000 $ 404,277 $ 167,000
Phoenix-Mesa-Scottsdale, AZ 136 $ 28,159,000 $ 207,051 $ 92,000
Riverside-San Bernardino-Ontario, CA 114 $ 33,989,000 $ 298,149 $ 123,000
Chicago-Naperville-Joliet, IL 103 $ 27,113,000 $ 263,233 $ 113,000
Santa Ana-Anaheim-Irvine, CA 83 $ 38,355,000 $ 462,108 $ 194,000
Salt Lake City, UT 79 $ 15,338,000 $ 194,151 $ 84,000
Seattle-Bellevue-Everett, WA 56 $ 16,122,000 $ 287,892 $ 108,000
San Diego-Carlsbad-San Marcos, CA 54 $ 17,847,000 $ 330,500 $ 154,000
Tampa-St. Petersburg-Clearwater, FL 43 $ 8,633,000 $ 200,767 $ 99,000
Oakland-Fremont-Hayward, CA 41 $ 16,785,000 $ 409,390 $ 163,000
Orlando-Kissimmee, FL 40 $ 11,907,000 $ 297,675 $ 115,000
Portland-Vancouver-Beaverton, OR-WA 40 $ 10,585,000 $ 264,625 $ 94,900
Provo-Orem, UT 33 $ 6,785,000 $ 205,606 $ 82,000
Fort Lauderdale-Pompano Beach-Deerfield Beach, FL 31 $ 8,270,000 $ 266,774 $ 128,000
Ogden-Clearfield, UT 29 $ 5,749,000 $ 198,241 $ 89,000
Sacramento--Arden-Arcade--Roseville, CA 29 $ 8,341,000 $ 287,620 $ 116,000
Minneapolis-St. Paul-Bloomington, MN-WI 26 $ 5,288,000 $ 203,384 $ 108,461
Miami-Miami Beach-Kendall, FL 24 $ 6,780,000 $ 282,500 $ 110,000
Milwaukee-Waukesha-West Allis, WI 23 $ 4,617,000 $ 200,739 $ 87,000
Oxnard-Thousand Oaks-Ventura, CA 23 $ 8,463,000 $ 367,956 $ 130,000
St. Louis, MO-IL 23 $ 4,268,000 $ 185,565 $ 81,304
Denver-Aurora, CO 22 $ 3,485,000 $ 158,409 $ 75,000
West Palm Beach-Boca Raton-Boynton Beach, FL 22 $ 4,724,000 $ 214,727 $ 121,000
Boise City-Nampa, ID 21 $ 4,720,000 $ 224,761 $ 97,000
Jacksonville, FL 21 $ 4,504,000 $ 214,476 $ 96,000
Dallas-Plano-Irving, TX 20 $ 4,193,000 $ 209,650 $ 87,000
Warren-Troy-Farmington Hills, MI 20 $ 4,736,000 $ 236,800 $ 172,000
Bakersfield, CA 19 $ 4,406,000 $ 231,894 $ 87,000
Houston-Sugar Land-Baytown, TX 17 $ 3,402,000 $ 200,117 $ 146,000
Nashville-Davidson--Murfreesboro--Franklin, TN 16 $ 3,478,000 $ 217,375 $ 144,000
San Jose-Sunnyvale-Santa Clara, CA 16 $ 9,627,000 $ 601,687 $ 185,000
Albuquerque, NM 15 $ 3,387,000 $ 225,800 $ 73,000
Tacoma, WA 15 $ 3,845,000 $ 256,333 $ 108,000
San Francisco-San Mateo-Redwood City, CA 13 $ 6,023,000 $ 463,307 $ 162,000
Austin-Round Rock, TX 12 $ 2,513,000 $ 209,416 $ 90,000
Cape Coral-Fort Myers, FL 12 $ 2,759,000 $ 229,916 $ 171,000
Lake County-Kenosha County, IL-WI 12 $ 3,048,000 $ 254,000 $ 112,666
Fort Worth-Arlington, TX 11 $ 1,878,000 $ 170,727 $ 95,000
Lake Havasu City-Kingman, AZ 11 $ 1,460,000 $ 132,727 $ 110,000
Vallejo-Fairfield, CA 11 $ 2,622,000 $ 238,363 $ 134,000
Fresno, CA 10 $ 2,308,000 $ 230,800 $ 112,000
San Antonio, TX 10 $ 3,069,000 $ 306,900 $ 141,000
Salem, OR 9 $ 1,996,000 $ 221,777 $ 90,000
Yuma, AZ 9 $ 1,526,000 $ 169,555 $ 63,000
Colorado Springs, CO 8 $ 1,944,000 $ 243,000 $ 100,000
Deltona-Daytona Beach-Ormond Beach, FL 8 $ 2,066,000 $ 258,250 $ 122,000
Memphis, TN-MS-AR 8 $ 1,726,000 $ 215,750 $ 95,000
Myrtle Beach-Conway-North Myrtle Beach, SC 8 $ 1,495,000 $ 186,875 $ 86,000
Sarasota-Bradenton-Venice, FL 8 $ 1,604,000 $ 200,500 $ 92,000
Stockton, CA 8 $ 3,000,000 $ 375,000 $ 94,000
Charleston-North Charleston, SC 7 $ 1,657,000 $ 236,714 $ 74,000
Port St. Lucie, FL 7 $ 916,000 $ 130,857 $ 62,000
San Luis Obispo-Paso Robles, CA 7 $ 2,515,000 $ 359,285 $ 194,000
Spokane, WA 7 $ 847,000 $ 121,000 $ 75,000
Tucson, AZ 7 $ 1,099,000 $ 157,000 $ 58,000
Modesto, CA 6 $ 1,863,000 $ 310,500 $ 76,000
Naples-Marco Island, FL 6 $ 1,010,000 $ 168,333 $ 123,000
Ocala, FL 6 $ 2,195,000 $ 365,833 $ 122,000
Tallahassee, FL 6 $ 1,259,000 $ 209,833 $ 180,000
Tulsa, OK 6 $ 880,000 $ 146,666 $ 67,000
Coeur D'Alene, ID 5 $ 1,687,000 $ 337,400 $ 108,000
Columbia, SC 5 $ 738,000 $ 147,600 $ 98,000
Gary, IN 5 $ 726,000 $ 145,200 $ 67,000
Indianapolis-Carmel, IN 5 $ 816,000 $ 163,200 $ 93,000
Kansas City, MO-KS 5 $ 819,000 $ 163,800 $ 139,000
Logan, UT-ID 5 $ 520,000 $ 104,000 $ 75,000
Medford, OR 5 $ 1,028,000 $ 205,600 $ 107,000
Racine, WI 5 $ 860,000 $ 172,000 $ 66,000
Santa Rosa-Petaluma, CA 5 $ 1,252,000 $ 250,400 $ 146,000
Bremerton-Silverdale, WA 4 $ 887,000 $ 221,750 $ 63,000
Cleveland, TN 4 $ 561,000 $ 140,250 $ 69,000
Detroit-Livonia-Dearborn, MI 4 $ 899,000 $ 224,750 $ 152,000
Eugene-Springfield, OR 4 $ 360,000 $ 90,000 $ 71,000
Idaho Falls, ID 4 $ 856,000 $ 214,000 $ 80,000
Knoxville, TN 4 $ 977,000 $ 244,250 $ 87,000
Olympia, WA 4 $ 1,214,000 $ 303,500 $ 129,000
Palm Bay-Melbourne-Titusville, FL 4 $ 577,000 $ 144,250 $ 37,000
St. George, UT 4 $ 919,000 $ 229,750 $ 93,000
Yuba City, CA 4 $ 1,150,000 $ 287,500 $ 107,000
Appleton, WI 3 $ 368,000 $ 122,666 $ 115,000
Bellingham, WA 3 $ 510,000 $ 170,000 $ 58,000
Charlotte-Gastonia-Concord, NC-SC 3 $ 441,000 $ 147,000 $ 147,000
Clarksville, TN-KY 3 $ 316,000 $ 105,333 $ 116,000
Corvallis, OR 3 $ 565,000 $ 188,333 $ 79,000
Duluth, MN-WI 3 $ 1,054,000 $ 351,333 $ 146,000
Eau Claire, WI 3 $ 601,000 $ 200,333 $ 75,000
El Paso, TX 3 $ 448,000 $ 149,333 $ 98,000
Hartford-West Hartford-East Hartford, CT 3 $ 498,000 $ 166,000 $ 125,000
Jefferson City, MO 3 $ 608,000 $ 202,666 $ 120,000
Lewiston, ID-WA 3 $ 620,000 $ 206,666 $ 58,000
Madison, WI 3 $ 525,000 $ 175,000 $ 52,000
Merced, CA 3 $ 749,000 $ 249,666 $ 68,000
Napa, CA 3 $ 1,393,000 $ 464,333 $ 64,000
Panama City-Lynn Haven, FL 3 $ 417,000 $ 139,000 $ 64,000
Santa Fe, NM 3 $ 980,000 $ 326,666 $ 152,000
Wenatchee, WA 3 $ 450,000 $ 150,000 $ 70,000
Boulder, CO 2 $ 320,000 $ 160,000 $ 77,000
Bridgeport-Stamford-Norwalk, CT 2 $ 491,000 $ 245,500 $ 192,000
Chico, CA 2 $ 285,000 $ 142,500 $ 44,000
El Centro, CA 2 $ 527,000 $ 263,500 $ 140,000
Fort Collins-Loveland, CO 2 $ 597,000 $ 298,500 $ 128,000
Fort Walton Beach-Crestview-Destin, FL 2 $ 160,000 $ 80,000 $ 64,000
Gainesville, FL 2 $ 492,000 $ 246,000 $ 83,000
Grand Forks, ND-MN 2 $ 104,000 $ 52,000 $ 60,000
Grand Junction, CO 2 $ 328,000 $ 164,000 $ 31,000
Grand Rapids-Wyoming, MI 2 $ 504,000 $ 252,000 $ 121,000
Janesville, WI 2 $ 488,000 $ 244,000 $ 73,000
Kingsport-Bristol-Bristol, TN-VA 2 $ 437,000 $ 218,500 $ 105,000
Lakeland, FL 2 $ 273,000 $ 136,500 $ 43,000
Longview, WA 2 $ 466,000 $ 233,000 $ 70,000
Morristown, TN 2 $ 508,000 $ 254,000 $ 93,000
New Haven-Milford, CT 2 $ 542,000 $ 271,000 $ 73,000
Niles-Benton Harbor, MI 2 $ 667,000 $ 333,500 $ 301,000
Odessa, TX 2 $ 283,000 $ 141,500 $ 73,000
Rockford, IL 2 $ 548,000 $ 274,000 $ 29,000
Saginaw-Saginaw Township North, MI 2 $ 374,000 $ 187,000 $ 54,000
Salinas, CA 2 $ 916,000 $ 458,000 $ 120,000
Sebastian-Vero Beach, FL 2 $ 248,000 $ 124,000 $ 45,000
St. Cloud, MN 2 $ 290,000 $ 145,000 $ 89,000
Visalia-Porterville, CA 2 $ 279,000 $ 139,500 $ 109,000
Abilene, TX 1 $ 110,000 $ 110,000 $ 142,000
Ann Arbor, MI 1 $ 215,000 $ 215,000 $ 73,000
Beaumont-Port Arthur, TX 1 $ 253,000 $ 253,000 $ 102,000
Champaign-Urbana, IL 1 $ 180,000 $ 180,000 $ 49,000
Corpus Christi, TX 1 $ 172,000 $ 172,000 $ 54,000
Danville, IL 1 $ 160,000 $ 160,000 $ 74,000
Elkhart-Goshen, IN 1 $ 120,000 $ 120,000 $ 43,000
Evansville, IN-KY 1 $ 420,000 $ 420,000 $ 114,000
Farmington, NM 1 $ 155,000 $ 155,000 $ 71,000
Flagstaff, AZ 1 $ 193,000 $ 193,000 $ 57,000
Flint, MI 1 $ 101,000 $ 101,000 $ 51,000
Florence, SC 1 $ 260,000 $ 260,000 $ 49,000
Fort Smith, AR-OK 1 $ 96,000 $ 96,000 $ 57,000
Fort Wayne, IN 1 $ 101,000 $ 101,000 $ 78,000
Greeley, CO 1 $ 50,000 $ 50,000 $ 75,000
Green Bay, WI 1 $ 83,000 $ 83,000 $ 81,000
Greenville-Mauldin-Easley, SC 1 $ 229,000 $ 229,000 $ 111,000
Hanford-Corcoran, CA 1 $ 90,000 $ 90,000 $ 32,000
Holland-Grand Haven, MI 1 $ 120,000 $ 120,000 $ 39,000
Johnson City, TN 1 $ 150,000 $ 150,000 $ 140,000
Kalamazoo-Portage, MI 1 $ 137,000 $ 137,000 $ 42,000
Kankakee-Bradley, IL 1 $ 172,000 $ 172,000 $ 58,000
Kennewick-Richland-Pasco, WA 1 $ 150,000 $ 150,000 $ 73,000
Killeen-Temple-Fort Hood, TX 1 $ 160,000 $ 160,000 $ 135,000
Las Cruces, NM 1 $ 140,000 $ 140,000 $ 74,000
Madera, CA 1 $ 200,000 $ 200,000 $ 99,000
McAllen-Edinburg-Mission, TX 1 $ 335,000 $ 335,000 $ 73,000
Michigan City-La Porte, IN 1 $ 135,000 $ 135,000 $ 60,000
Mount Vernon-Anacortes, WA 1 $ 186,000 $ 186,000 $ 56,000
Oklahoma City, OK 1 $ 262,000 $ 262,000 $ 59,000
Oshkosh-Neenah, WI 1 $ 230,000 $ 230,000 $ 90,000
Peoria, IL 1 $ 184,000 $ 184,000 $ 138,000
Pocatello, ID 1 $ 153,000 $ 153,000 $ 56,000
Prescott, AZ 1 $ 328,000 $ 328,000 $ 57,000
Punta Gorda, FL 1 $ 42,000 $ 42,000 $ 43,000
Redding, CA 1 $ 350,000 $ 350,000 $ 120,000
Rochester, MN 1 $ 120,000 $ 120,000 $ 101,000
San Angelo, TX 1 $ 114,000 $ 114,000 $ 60,000
Santa Barbara-Santa Maria-Goleta, CA 1 $ 1,000,000 $ 1,000,000 $ 300,000
Santa Cruz-Watsonville, CA 1 $ 650,000 $ 650,000 $ 336,000
Sheboygan, WI 1 $ 134,000 $ 134,000 $ 0
Springfield, MO 1 $ 245,000 $ 245,000 $ 184,000
Yakima, WA 1 $ 224,000 $ 224,000 $ 94,000

Mortgage Loan Application Detail Totals for Americash in 2007

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 1,940 $504,261,000 $259,000 $3,200,000 $111,000 $1,132,000
Home Purchase 115 $39,371,000 $342,000 $1,500,000 $192,000 $1,954,000
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
Not Provided 950 $248,898,000 $261,000 $2,000,000 $119,000 $1,954,000
White 853 $228,036,000 $267,000 $3,200,000 $115,000 $1,132,000
Hispanic 157 $38,384,000 $244,000 $952,000 $95,000 $296,000
Black or African American 57 $14,629,000 $256,000 $772,000 $135,000 $401,000
Asian 30 $9,602,000 $320,000 $1,000,000 $114,000 $362,000
Native Hawaiian or Other Pacific Islander 8 $4,083,000 $510,000 $884,000 $132,000 $239,000
Not applicable 0 $0 $0 $0 $0 $0
American Indian or Alaskan Native 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) 2,036 $539,439,000 $264,000 $3,200,000 $116,000 $1,954,000
FHA-insured (Federal Housing Administration) 13 $3,058,000 $235,000 $1,010,000 $92,000 $480,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 6 $1,135,000 $189,000 $543,000 $115,000 $174,000
VA-guaranteed (Veterans 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 1,005 $263,705,000 $262,000 $3,200,000 $114,000 $1,954,000
Application Approved But Not Accepted 411 $112,487,000 $273,000 $2,000,000 $125,000 $1,132,000
Application Denied By Financial Institution 342 $84,888,000 $248,000 $960,000 $109,000 $576,000
Application Withdrawn By Applicant 296 $81,952,000 $276,000 $1,805,000 $118,000 $642,000
File Closed For Incompleteness 1 $600,000 $600,000 $600,000 $178,000 $178,000
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 2007 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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